Saturday 17 October 2026 Export FSBC’s income statement to Excel — free account

Five Star Bancorp

Five Star Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $255.5 million, up 19.7% from fiscal 2024. In the quarter to June 2026, revenue grew 18.9%, EPS grew 33.8% and free cash flow grew 32.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

42.98 0.15 −0.35%

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Market cap: $1.1B
P/E: 12.7×
Fwd P/E: 12.1×
Dividend yield: 2.21%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 6.28

Total sells 0.85

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	6	—	—	—
Sell	1	1	—	2	1	—	6	—	—	—	—	—

Insider Ownership 13.60%

Capital & Financial Ratios $m

Market Cap 1,060.00

Revenue 277.82

Net Income 72.01

Free Cash Flow 80.49

Net Debt (685.07)

Current Ratio 1.06

Debt/Equity 0.00

P/E ratio 12.72

Fwd P/E 12.10

P/S ratio 3.29

P/B ratio 1.93

Past 5Y EPS Growth (4.07%)

This Y EPS Growth 20.55%

Next Y EPS Growth 5.49%

Next Y revenue growth (22.73%)

Next 5Y EPS Growth 13.14%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 74.76%

10-year low 10-year high

P/S against its own 10 years 56.09%

10-year low 10-year high

P/B against its own 10 years 75.57%

10-year low 10-year high

Dividends

Payout Ratio 0.28

Annual Dividend Rate 0.95

Annual Dividend Yield 2.21%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.00	0.25 0.25 0.25
2025	0.80	0.20 0.20 0.20 0.20
2024	0.80	0.20 0.20 0.20 0.20
2023	0.75	0.15 0.20 0.20 0.20
2022	0.60	0.15 0.15 0.15 0.15
2021	0.30	0.15 0.15
2020	Powerpack
2019	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	327	356	507	685
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,386	3,855	4,537	5,157

	2023	2024	2025	Q'26
Payables	3,027	3,558	4,201	4,799
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,271	3,632	4,275	4,873

Compound Annual Growth %

	10y	5y	3y
Sales	—	25.01%	26.88%
Cash Flow	—	7.12%	16.46%
Earnings	—	11.39%	11.20%
Book Value	—	27.22%	20.81%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	69	74	—	—	—
’25	58	62	67	68	255
’24	49	51	54	59	213
’23	42	46	46	48	182
’22	25	28	33	39	125
’21	21	21	23	24	89
’20	19	21	21	23	84

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	19	24	—	—	—
’25	15	18	19	21	73
’24	0	16	18	18	52
’23	1	25	15	(2)	39
’22	3	8	16	18	46
’21	9	13	3	4	29
’20	(4)	26	(2)	30	51

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	19	23	—	—	—
’25	15	18	19	20	71
’24	0	16	17	18	51
’23	0	25	15	(2)	38
’22	3	8	16	18	45
’21	8	13	3	4	28
’20	(4)	26	(2)	30	51

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.87	0.91	—	—	—
’25	0.62	0.68	0.77	0.83	2.90
’24	0.62	0.51	0.52	0.63	2.26
’23	0.77	0.74	0.64	0.63	2.78
’22	0.58	0.58	0.68	0.77	2.61
’21	0.93	0.67	0.64	0.66	2.83
’20	0.72	1.05	0.94	0.86	3.57

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	20.00	23.57	17.74	21.10	22.22	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	33.98	32.00	29.00	35.13	38.86
People
People	Employees	—	—	—	—	138	163	178	185	210	238
	Revenue/emp, $m	—	—	—	0.00	0.61	0.55	0.70	0.98	1.02	1.07
Income, $m
Income, $m	Revenue	—	—	—	70	84	89	125	182	213	255
	Gross margin, %	—	—	—	83.40	89.03	95.53	88.13	65.09	59.12	62.02
	EBT	—	—	—	30	37	47	63	67	65	84
	EBT margin, %	—	—	—	43.33	44.51	53.06	50.26	36.62	30.33	32.78
	Net income	—	—	—	29	36	42	45	48	46	62
	Depreciation	—	—	—	2	2	2	4	3	4	5
Per share, $
Per share, $	Revenue	—	—	—	8.14	8.32	5.93	7.30	10.60	10.59	12.04
	Earnings	—	—	—	3.40	3.57	2.83	2.61	2.78	2.26	2.90
	Cash flow	—	—	—	3.36	5.12	1.91	2.68	2.27	2.57	3.42
	Capex	—	—	—	(0.06)	(0.08)	(0.05)	(0.03)	(0.04)	(0.03)	(0.06)
	Free cash flow	—	—	—	3.30	5.03	1.87	2.66	2.23	2.54	3.36
	Book value	—	—	—	12.65	13.29	15.70	14.76	16.65	19.68	21.01
	Shares, m	—	—	—	9	10	15	17	17	20	21
Valuation, ×
Valuation, ×	P/E	—	—	—	5.30	5.30	10.34	10.42	9.62	13.20	12.34
	P/S	—	—	—	2.57	2.57	5.05	3.72	2.52	2.84	2.97
	P/B	—	—	—	1.67	1.67	1.91	1.84	1.61	1.53	1.70
	EV/Sales	—	—	—	(2.48)	(2.48)	0.42	2.37	1.66	1.73	1.46
	EV/FCF	—	—	—	(3.38)	(3.38)	1.34	6.51	7.89	7.23	5.22
Cash, $m
Cash, $m	Operating cash flow	—	—	—	29	51	29	46	39	52	73
	Capex	—	—	—	(1)	(1)	(1)	0	(1)	(1)	(1)
	Free cash flow	—	—	—	28	51	28	45	38	51	71
Balance, $m
Balance, $m	Working capital	—	—	—	4	(12)	47	187	116	223	262
	Total debt	—	—	—	53	28	28	100	170	—	—
	Net debt	—	—	—	(144)	(286)	(412)	(170)	(327)	(356)	(507)
	Shareholders’ equity	—	—	—	109	134	235	253	286	397	446
Returns, %
Returns, %	ROA	—	—	—	1.71	2.09	1.88	1.55	1.40	1.19	1.40
	ROIC	—	—	—	0.00	0.00	0.00	47.34	0.00	100.72	0.00
	ROE	—	—	—	24.12	29.61	23.01	18.37	17.73	13.39	14.63

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
HFWA Heritage Financial Corporation	$1.1B	12.9×	13.5×	+33.70% (above 0%: growing)	+16.67% (above 0%: growing)	+0.66% (above 0%: growing)	78.63%	0.00%	Compare
MCB Metropolitan Bank Holding Corp.	$1.1B	10.9×	8.8×	+10.67% (above 0%: growing)	−12.92% (below 0%: shrinking)	−168.73% (below 0%: shrinking)	64.82%	0.00%	Compare
NBN Northeast Bancorp	$1.1B	9.7×	8.2×	+6.35% (above 0%: growing)	+34.97% (above 0%: growing)	−136.55% (below 0%: shrinking)	62.31%	0.00%	Compare
FSBC Five Star Bancorp	$1.1B	12.7×	12.1×	+18.93% (above 0%: growing)	+33.82% (above 0%: growing)	+32.43% (above 0%: growing)	64.63%	0.00%
CFFN Capitol Federal Financial	$1.0B	12.6×	11.9×	+6.50% (above 0%: growing)	+35.71% (above 0%: growing)	+45.71% (above 0%: growing)	53.81%	0.00%	Compare
BFST Business First Bancshares, Inc.	$1.0B	11.1×	9.9×	+8.01% (above 0%: growing)	0.00%	+80.82% (above 0%: growing)	65.76%	0.00%	Compare
MBWM Mercantile Bank Corporation	$1.0B	10.3×	9.6×	+5.11% (above 0%: growing)	+7.91% (above 0%: growing)	+246.97% (above 0%: growing)	70.02%	0.00%	Compare
CCNE CNB Financial Corporation	$1.0B	11.0×	8.8×	+33.95% (above 0%: growing)	+49.18% (above 0%: growing)	+101.89% (above 0%: growing)	69.04%	0.00%	Compare
MCBS MetroCity Bankshares, Inc.	$1.0B	12.0×	10.4×	+27.40% (above 0%: growing)	+16.67% (above 0%: growing)	+45.94% (above 0%: growing)	65.38%	0.00%	Compare
Median of peers	$1.0B	11.0×	9.7×	+9.34%	+16.67%	+45.83%	65.57%	0.00%

All 323 Banks Regional stocks →

Five Star Bancorp (FSBC) key facts

Strength: Five Star Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $255.5 million, up 19.7% from fiscal 2024.
Strength: Net income was $61.6 million, or $2.90 per share (basic), a net margin of 24.1%.
Five Star Bancorp (FSBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, FSBC traded at $42.98, a market capitalization of $1.1 billion.
At that price the stock trades at 12.7× trailing-twelve-month earnings and 3.3× sales; its P/E is higher than 75% of its own readings over the past ten years.
Five Star Bancorp pays an annual dividend of $0.95 per share, a yield of 2.21%, with a payout ratio of 28.1%.
Return on equity was 14.6% and debt-to-equity 0.00.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.