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Five Star Bancorp (FSBC)
Financial Services · Banks - Regional · NasdaqGS
Five Star Bancorp revenue & earnings — last 6 fiscal years
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $108.94M | $117.20M | $124.96M | $157.02M |
| Gross profit | — | — | — | — | — | — |
| Net income | $35.93M | $42.44M | $44.80M | $47.73M | $45.67M | $61.61M |
| Net margin | — | — | 41.1% | 40.7% | 36.5% | 39.2% |
Source: Five Star Bancorp SEC filings (10-K).
What growth is priced into FSBC stock?
At today's market cap of $937.99M, Five Star Bancorp is priced for free-cash-flow growth of about 2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $71.42M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 7.1%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 6 years of Five Star Bancorp financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Five Star Bancorp financial history by metric
About Five Star Bancorp
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.
Five Star Bancorp — frequently asked questions
What is Five Star Bancorp's revenue?
Five Star Bancorp (FSBC) reported revenue of $157.02M for fiscal year 2025, up 25.7% from the prior year, according to its SEC filings.
Is Five Star Bancorp profitable?
Yes. FSBC earned net income of $61.61M in fiscal 2025, a net margin of 39.2%.
What is FSBC's P/E ratio?
Five Star Bancorp trades at a price-to-earnings ratio of about 13.9 based on the latest data in our nightly-refreshed cache.
How much debt does Five Star Bancorp have?
As of fiscal year 2025, FSBC carried roughly $74.04M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Five Star Bancorp's market cap?
Five Star Bancorp (FSBC) has a market capitalization of about $937.99M, based on the latest data in our nightly-refreshed cache.
When does Five Star Bancorp's fiscal year end?
FSBC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FSBC stock?
At today's market cap of $937.99M, Five Star Bancorp is priced for free-cash-flow growth of about 2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $71.42M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 7.1%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Five Star Bancorp's official SEC filings (10-K and 10-Q), covering 6 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.