Five Star Bancorp (FSBC) financial statements
Five Star Bancorp reported revenue of $158M in fiscal 2025, up 16.3% a year over 5 years.
Net income was $62M.
Free cash flow was $71M, and the company returned $17M in dividends.
The diluted share count rose 111% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Five Star Bancorp's 10-K filings with the SEC.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $75M | $85M | $110M | $118M | $126M | $158M |
| Interest expense | $9M | $4M | $15M | $64M | — | — |
| Pre-tax income | $37M | $47M | $63M | $67M | $65M | $84M |
| Income tax | $1M | $5M | $18M | $19M | $19M | $22M |
| Net income | $36M | $42M | $45M | $48M | $46M | $62M |
| EPS (diluted) | $3.57 | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 |
| Diluted shares | 10M | 15M | 17M | 17M | 20M | 21M |
| Net margin | 48.2% | 50.0% | 40.6% | 40.3% | 36.2% | 38.9% |
Balance sheet
Fiscal years, from Five Star Bancorp's 10-K filings with the SEC.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Cash and short-term investments | $290M | $425M | $260M | $322M | $352M | $507M |
| Property, plant and equipment | $2M | $2M | $2M | $2M | $2M | $2M |
| Total assets | $2.0B | $2.6B | $3.2B | $3.6B | $4.1B | $4.8B |
| Long-term debt | $294M | $0 | — | — | — | — |
| Total liabilities | $1.8B | $2.3B | $3.0B | $3.3B | $3.7B | $4.3B |
| Shareholders' equity | $134M | $235M | $253M | $286M | $397M | $446M |
| Net debt | $3M | -$425M | -$260M | -$322M | -$352M | -$507M |
Cash flow
Fiscal years, from Five Star Bancorp's 10-K filings with the SEC.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | $51M | $29M | $46M | $39M | $52M | $73M |
| Capital spending | $833,000 | $717,000 | $481,000 | $653,000 | $628,000 | $1M |
| Free cash flow | $51M | $28M | $45M | $38M | $51M | $71M |
| Stock-based compensation | $316,000 | $1M | $1M | $962,000 | $1M | $1M |
| Dividends paid | — | $52M | $15M | $13M | $16M | $17M |
| Net borrowing | — | $0 | $175M | $70M | -$170M | $0 |
| Free cash flow margin | 68.0% | 32.9% | 41.3% | 32.3% | 40.5% | 45.1% |
| Dividends per share | — | $3.46 | $0.89 | $0.75 | $0.80 | $0.80 |
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Open FSBC in InvestinglyQuestions
What was Five Star Bancorp's revenue in 2025?
$158M in fiscal 2025, from its 10-K filing.
How much free cash flow does Five Star Bancorp generate?
$71M in fiscal 2025 (operating cash flow minus capital spending).
From Five Star Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.