Five Star Bancorp

FSBC · NASDAQ · Financial Services / Banks - Regional

44.31USD+0.01 (+0.02%)

Price History

Full chart

Market Stats

Previous Close44.30

Open44.45

Day Range44.14 – 44.57

52-Week Range29.97 – 49.99

Volume112.71K

Market Cap1.07B

P/E (TTM)12.85

Forward P/E0.00

EPS3.38

Dividend Yield2.30%

Beta0.52

50-Day Avg46.42

200-Day Avg41.87

About

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. James Eugene Beckwith
Employees233
Headquarters3100 Zinfandel Drive, Rancho Cordova, CA, United States, 95670, USA
Websitehttps://www.fivestarbank.com

Leadership

Mr. James Eugene BeckwithPresident, CEO & Director · b. 1958
Mr. Michael Anthony RizzoExecutive VP & Chief Banking Officer · b. 1967
Mr. Don J. KurtzeExecutive VP & San Francisco Bay Area President · b. 1989
Ms. Heather Christina Luck CPAExecutive VP & CFO · b. 1982

Financials

Income Statement

Currency: USD	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	6.92M	7.16M	30.00K	69.63M	82.96M	87.82M	123.79M	7.51M	212.20M	255.47M
Growth (%)	-	+3.41%	-99.58%	+232006.67%	+19.14%	+5.86%	+40.96%	-93.93%	+2725.15%	+20.39%
Cost of Revenue	-	-	-	17.14M	18.18M	5.67M	21.55M	6.72M	94.19M	106.73M
Gross Profit	6.92M	7.16M	30.00K	52.50M	64.78M	82.15M	102.24M	793.00K	118.01M	148.74M
Gross Margin	100.00%	100.00%	100.00%	75.39%	78.09%	93.54%	82.59%	10.56%	55.61%	58.22%
Operating Expense	6.28M	6.02M	-588.00K	22.14M	27.52M	35.00M	39.38M	2.40M	53.29M	65.01M
Operating Income	649.00K	1.14M	618.00K	30.36M	37.26M	47.15M	62.86M	-1.61M	64.72M	83.73M
Operating Margin	9.37%	15.91%	2060.00%	43.60%	44.91%	53.69%	50.78%	-21.44%	30.50%	32.78%
EBITDA	2.56M	3.16M	3.73M	30.79M	37.72M	47.76M	64.49M	-1.61M	66.60M	86.78M
EBITDA Margin	36.92%	44.17%	12446.67%	44.22%	45.46%	54.38%	52.10%	-21.44%	31.38%	33.97%
Net Income	513.00K	854.00K	211.00K	29.30M	35.93M	42.44M	44.80M	47.73M	45.67M	61.61M
Net Income Margin	7.41%	11.93%	703.33%	42.08%	43.31%	48.33%	36.19%	635.52%	21.52%	24.11%
Interest Expense	2.00M	2.16M	2.78M	11.63M	9.18M	3.97M	14.85M	63.50M	87.24M	97.03M
Interest Expense % of Total Revenue	28.81%	30.11%	9260.00%	16.71%	11.07%	4.52%	11.99%	845.45%	41.11%	37.98%

Balance Sheet

Currency: USD	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	273.72M	314.38M	328.27M	1.48B	1.95B	2.56B	3.23B	3.59B	4.05B	4.75B
Total Liabilities	241.86M	283.33M	296.76M	1.37B	1.82B	2.32B	2.97B	3.31B	3.66B	4.31B
Total Equity	31.86M	31.06M	31.51M	108.88M	133.78M	235.05M	252.82M	285.77M	396.62M	445.83M
Cash	7.41M	10.40M	6.29M	197.31M	314.20M	439.79M	269.84M	327.43M	356.46M	506.95M
Total Debt	56.81M	64.45M	71.83M	53.25M	28.32M	28.39M	177.85M	249.35M	80.75M	85.91M
Net Debt	49.41M	54.05M	65.53M	-144.06M	-285.88M	-411.41M	-91.99M	-78.08M	-275.71M	-421.04M

Cash Flow

Currency: USD	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	250.00K	3.56M	-477.00K	28.91M	51.48M	28.66M	45.98M	38.91M	51.79M	72.61M
Investing Cash Flow	-7.51M	-18.59M	-37.47M	-230.37M	-372.63M	-455.01M	-836.92M	-279.28M	-446.74M	-544.11M
Financing Cash Flow	9.07M	16.29M	40.94M	175.54M	434.28M	561.19M	625.61M	301.95M	425.73M	626.00M
Capital Expenditure	361.00K	875.00K	362.00K	508.00K	833.00K	717.00K	481.00K	653.00K	628.00K	1.20M
Free Cash Flow	-111.00K	2.69M	-839.00K	28.40M	50.64M	27.94M	45.49M	38.26M	51.16M	71.42M
Dividends Paid	-	722.00K	-	26.28M	26.37M	51.94M	15.30M	12.94M	16.24M	17.09M
FCF to OCF	-44.40%	75.44%	175.89%	98.24%	98.38%	97.50%	98.95%	98.32%	98.79%	98.35%
Dividend Paid to FCF	-	26.87%	-	92.54%	52.07%	185.91%	33.63%	33.83%	31.75%	23.92%

Earnings

Report Date	Mar 31, 2020	Mar 3, 2021	Jun 17, 2021	Jul 26, 2021	Oct 25, 2021	Jan 31, 2022	Apr 25, 2022	Jul 25, 2022	Oct 24, 2022	Jan 30, 2023	Apr 24, 2023	Jul 24, 2023	Oct 30, 2023	Jan 29, 2024	Apr 29, 2024	Jul 24, 2024	Oct 28, 2024	Jan 27, 2025	Apr 28, 2025	Jul 23, 2025	Oct 27, 2025	Jan 26, 2026	Apr 27, 2026	Jul 22, 2026	Oct 26, 2026
EPS Estimate	-	0.70	0.77	0.52	0.47	0.54	0.53	0.54	0.65	0.71	0.69	0.66	0.60	0.59	0.53	0.49	0.53	0.56	0.59	0.64	0.71	0.76	0.79	0.87	0.86
EPS Actual	0.72	0.26	0.26	0.67	0.64	0.66	0.58	0.58	0.68	0.77	0.77	0.74	0.64	0.63	0.62	0.51	0.52	0.63	0.62	0.68	0.77	0.83	0.87	0.91	-
Surprise	-	-62.86%	-66.38%	28.85%	36.17%	22.22%	9.43%	7.41%	4.62%	8.45%	11.59%	12.12%	6.67%	6.78%	16.98%	4.08%	-1.89%	12.50%	5.08%	6.25%	8.45%	9.21%	10.13%	4.60%	-
Timing	-	-	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap1.07B

Enterprise Value465.93M

Trailing P/E12.85

Forward P/E0.00

Price / Sales6.36

Price / Book2.25

EPS3.38

Book Value22.14

Revenue (TTM)167.61M

Gross Profit (TTM)167.61M

Profit Margin42.96%

Operating Margin58.36%

Return on Equity16.17%

Return on Assets1.47%

Shares Outstanding24.54M

Shares Float17.99M

Beta0.52

Dividend Yield2.30%

Dividend Rate1.00

Payout Ratio28.11%

Analyst Ratings

Buy

Based on 4 analystsTarget 51.80

Strong Buy
2
Buy
1
Hold
1

Ownership Breakdown

Institutions: 55.01%
Insiders: 24.49%
Retail / Other: 20.50%

Top Institutional Holders

T. Rowe Price Investment Management,Inc.
2.02M8.25%
Davis Asset Management, L.P.
1.51M6.16%
BlackRock Inc
1.19M4.86%
Vanguard Capital Management, LLC
661.33K2.70%
American Century Companies Inc
528.93K2.16%
Franklin Templeton Inc
473.26K1.93%
CapTrust Financial Advisors
466.98K1.90%
Geode Capital Management, LLC
404.41K1.65%
Dimensional Fund Advisors, Inc.
383.91K1.56%
State Street Corp
348.31K1.42%
Adage Capital Partners Gp LLC
305.18K1.24%
Amvescap Plc.
297.33K1.21%
Kennedy Capital Management Inc
292.19K1.19%

Top Fund Holders

T. Rowe Price Small-Cap Stock
918.88K3.75%
Vanguard MStar Total Stk Mkt Idx Invest
574.79K2.34%
Avantis US Small Cap Value ETF
492.50K2.01%
T. Rowe Price Instl Small-Cap Stock
488.90K1.99%
iShares Russell 2000 ETF
435.06K1.77%
Invesco Small Cap Value A
290.94K1.19%
Putnam Core Equity Fund Y
250.04K1.02%

Dividends

20264×

0.25Nov 2, 20260.25Aug 3, 20260.25May 4, 20260.25Feb 2, 2026

20254×

0.20Nov 3, 20250.20Aug 4, 20250.20May 5, 20250.20Feb 3, 2025

20244×

0.20Nov 4, 20240.20Aug 5, 20240.20May 3, 20240.20Feb 2, 2024

20234×

0.20Nov 3, 20230.20Aug 4, 20230.20May 5, 20230.15Feb 3, 2023

20224×

0.15Nov 4, 20220.15Aug 5, 20220.15May 6, 20220.15Feb 4, 2022

20212×

0.15Oct 8, 20210.15Jul 12, 2021

Stock Splits

Jul 14, 20162521:2500