What is FIVE STAR BANCORP's earnings per share (EPS)?

FIVE STAR BANCORP (FSBC) reported diluted earnings per share of $2.90 for fiscal year 2025. This represents a 28.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

FIVE STAR BANCORP Financials

FSBC

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows FIVE STAR BANCORP (FSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FSBC FY2025 2026-05-07

Higher-earning assets funded by a still-leveraged balance sheet are driving results, while capital is rebuilding more gradually than assets.

Between FY2024 and FY2025, interest expense increased by about 11.2% while net income increased by about 34.9%. With ROA also improving to 1.3% from 1.1%, the earnings rebound looks driven by a more productive asset base rather than cheaper funding, and not by austerity because SG&A kept rising.

Here, cash generation is closely matching accounting profit: operating cash flow was $72.6M versus net income of $61.6M. Because capital spending was only $1.2M, physical reinvestment is not the main cash drain, so most operating cash remained usable.

The cash balance of $506.9M against $4.31B of liabilities mainly supports day-to-day liquidity rather than transforming the leverage profile. That profile is improving, but with debt-to-equity still around 9.7x, this remains a liability-funded business whose capital cushion is rebuilding more slowly than assets.

Financial Health Signals

Financial Profile 33/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of FIVE STAR BANCORP's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

FIVE STAR BANCORP's revenue surged 20.3% year-over-year to $248.9M, reflecting rapid business expansion. This strong growth earns a score of 66/100.

Leverage

FIVE STAR BANCORP has elevated debt relative to equity (D/E of 9.67), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

FIVE STAR BANCORP converts 28.7% of revenue into free cash flow ($71.4M). This strong cash generation earns a score of 90/100.

Returns

FIVE STAR BANCORP's ROE of 13.8% shows moderate profitability relative to equity, earning a score of 42/100. This is up from 11.5% the prior year.

Piotroski F-Score Neutral

5/9

FIVE STAR BANCORP passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, FIVE STAR BANCORP generates $1.18 in operating cash flow ($72.6M OCF vs $61.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$248.9M

YoY+20.3%

5Y CAGR+27.3%

FIVE STAR BANCORP generated $248.9M in revenue in fiscal year 2025. This represents an increase of 20.3% from the prior year.

EBITDA

N/A

Net Income

$61.6M

YoY+34.9%

5Y CAGR+11.4%

FIVE STAR BANCORP reported $61.6M in net income in fiscal year 2025. This represents an increase of 34.9% from the prior year.

EPS (Diluted)

$2.90

YoY+28.3%

5Y CAGR-4.1%

FIVE STAR BANCORP earned $2.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 28.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$71.4M

YoY+39.6%

5Y CAGR+7.1%

FIVE STAR BANCORP generated $71.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.6% from the prior year.

Cash & Debt

$506.9M

YoY+43.9%

5Y CAGR+11.8%

FIVE STAR BANCORP held $506.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.80

YoY+0.0%

5Y CAGR-21.2%

FIVE STAR BANCORP paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

21M

YoY+0.2%

5Y CAGR+14.2%

FIVE STAR BANCORP had 21M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.8%

YoY+2.7pp

5Y CAGR-23.5pp

FIVE STAR BANCORP's net profit margin was 24.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.7 percentage points from the prior year.

Return on Equity

13.8%

YoY+2.3pp

5Y CAGR-13.0pp

FIVE STAR BANCORP's ROE was 13.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.2M

YoY+90.6%

5Y CAGR+7.5%

FIVE STAR BANCORP invested $1.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 90.6% from the prior year.

FSBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$248.9M+20.3%	$207.0M+18.7%	$174.4M+47.9%	$117.9M+44.5%	$81.6M+9.7%	$74.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$37.9M+19.5%	$31.7M+17.0%	$27.1M+20.1%	$22.6M+13.9%	$19.8M+23.3%	$16.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$97.0M+11.2%	$87.2M+37.4%	$63.5M+327.7%	$14.8M+273.8%	$4.0M-56.7%	$9.2M
Income Tax	$22.1M+16.1%	$19.1M+0.9%	$18.9M+4.6%	$18.1M+283.6%	$4.7M+254.7%	$1.3M
Net Income	$61.6M+34.9%	$45.7M-4.3%	$47.7M+6.5%	$44.8M+5.6%	$42.4M+18.1%	$35.9M
EPS (Diluted)	$2.90+28.3%	$2.26-18.7%	$2.78+6.5%	$2.61-7.8%	$2.83-20.7%	$3.57

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$67.3M+1.4%	$66.4M+2.4%	$64.8M+7.0%	$60.6M+6.1%	$57.1M-1.1%	$57.7M+9.6%	$52.7M+7.5%	$49.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$11.4M+12.9%	$10.1M+4.2%	$9.7M+9.0%	$8.9M-2.5%	$9.1M+9.3%	$8.4M+4.9%	$8.0M+2.1%	$7.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$23.9M-1.9%	$24.4M-4.5%	$25.5M+6.0%	$24.1M+4.1%	$23.1M-4.7%	$24.3M+8.9%	$22.3M+11.9%	$19.9M
Income Tax	$6.4M+19.5%	$5.4M-8.9%	$5.9M+5.3%	$5.6M+5.9%	$5.3M-12.7%	$6.0M+40.7%	$4.3M-1.6%	$4.4M
Net Income	$18.6M+5.5%	$17.6M+7.9%	$16.3M+12.7%	$14.5M+10.7%	$13.1M-1.5%	$13.3M+21.7%	$10.9M+1.5%	$10.8M
EPS (Diluted)	$0.87	N/A	$0.77+13.2%	$0.68+9.7%	$0.62	N/A	$0.52+2.0%	$0.51

FSBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.8B+17.3%	$4.1B+12.8%	$3.6B+11.3%	$3.2B+26.2%	$2.6B+30.9%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$506.9M+43.9%	$352.3M+9.6%	$321.6M+23.7%	$260.0M-38.9%	$425.3M+46.4%	$290.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.3B+17.8%	$3.7B+10.6%	$3.3B+11.2%	$3.0B+28.1%	$2.3B+27.6%	$1.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$445.8M+12.4%	$396.6M+38.8%	$285.8M+13.0%	$252.8M+7.6%	$235.0M+75.7%	$133.8M
Retained Earnings	$151.0M+41.8%	$106.5M+38.2%	$77.0M+64.8%	$46.7M+172.2%	$17.2M-23.2%	$22.3M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$5.0B+5.8%	$4.8B+2.4%	$4.6B+5.2%	$4.4B+4.0%	$4.2B+4.7%	$4.1B+4.3%	$3.9B+7.0%	$3.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$644.4M+27.1%	$506.9M-12.7%	$580.4M+20.0%	$483.8M+6.9%	$452.6M+28.4%	$352.3M+40.5%	$250.9M+31.8%	$190.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.6B+6.1%	$4.3B+2.3%	$4.2B+5.3%	$4.0B+4.1%	$3.8B+5.0%	$3.7B+4.6%	$3.5B+7.5%	$3.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$458.5M+2.8%	$445.8M+3.4%	$431.3M+3.5%	$416.7M+2.5%	$406.5M+2.5%	$396.6M+1.7%	$389.9M+2.5%	$380.5M
Retained Earnings	$164.3M+8.8%	$151.0M+9.7%	$137.6M+9.6%	$125.5M+8.9%	$115.3M+8.3%	$106.5M+9.3%	$97.4M+7.4%	$90.7M

FSBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$72.6M+40.2%	$51.8M+33.1%	$38.9M-15.4%	$46.0M+60.4%	$28.7M-44.3%	$51.5M
Capital Expenditures	$1.2M+90.6%	$628K-3.8%	$653K+35.8%	$481K-32.9%	$717K-13.9%	$833K
Free Cash Flow	$71.4M+39.6%	$51.2M+33.7%	$38.3M-15.9%	$45.5M+62.8%	$27.9M-44.8%	$50.6M
Investing Cash Flow	-$544.1M-21.8%	-$446.7M-60.0%	-$279.3M+66.6%	-$836.9M-83.9%	-$455.0M-22.1%	-$372.6M
Financing Cash Flow	$626.0M+47.0%	$425.7M+41.0%	$301.9M-51.7%	$625.6M+11.5%	$561.2M+29.2%	$434.3M
Dividends Paid	$17.1M+5.2%	$16.2M+25.5%	$12.9M-15.4%	$15.3M-70.5%	$51.9M	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$18.9M-7.9%	$20.6M+9.4%	$18.8M+5.6%	$17.8M+15.0%	$15.5M-14.0%	$18.0M+2.7%	$17.5M+9.3%	$16.0M
Capital Expenditures	$168K-73.7%	$638K+196.7%	$215K-11.9%	$244K+144.0%	$100K-5.7%	$106K-49.5%	$210K+2.9%	$204K
Free Cash Flow	$18.8M-5.8%	$19.9M+7.2%	$18.6M+5.9%	$17.5M+14.1%	$15.4M-14.1%	$17.9M+3.3%	$17.3M+9.4%	$15.8M
Investing Cash Flow	-$144.3M+23.0%	-$187.5M-48.0%	-$126.7M+9.9%	-$140.5M-57.3%	-$89.3M-27.2%	-$70.3M+65.4%	-$203.1M-25.8%	-$161.5M
Financing Cash Flow	$262.9M+181.6%	$93.4M-54.4%	$204.5M+32.8%	$154.0M-11.5%	$174.1M+13.2%	$153.8M-37.5%	$246.1M+63.5%	$150.5M
Dividends Paid	$5.3M+25.1%	$4.3M0.0%	$4.3M0.0%	$4.3M+0.1%	$4.3M0.0%	$4.3M0.0%	$4.3M0.0%	$4.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FSBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.8%+2.7pp	22.1%-5.3pp	27.4%-10.6pp	38.0%-14.0pp	52.0%+3.7pp	48.3%
Return on Equity	13.8%+2.3pp	11.5%-5.2pp	16.7%-1.0pp	17.7%-0.3pp	18.1%-8.8pp	26.9%
Return on Assets	1.3%+0.2pp	1.1%-0.2pp	1.3%-0.1pp	1.4%-0.3pp	1.7%-0.2pp	1.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.67+0.4	9.22-2.4	11.57-0.2	11.76+1.9	9.88-3.7	13.60
FCF Margin	28.7%+4.0pp	24.7%+2.8pp	21.9%-16.6pp	38.6%+4.3pp	34.3%-33.8pp	68.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	27.7%+1.1pp	26.6%+1.4pp	25.2%+1.3pp	23.9%+1.0pp	23.0%-0.1pp	23.1%+2.3pp	20.8%-1.2pp	22.0%
Return on Equity	4.1%+0.1pp	4.0%+0.2pp	3.8%+0.3pp	3.5%+0.2pp	3.2%-0.1pp	3.4%+0.5pp	2.8%-0.0pp	2.8%
Return on Assets	0.4%0.0pp	0.4%+0.0pp	0.4%+0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.97+0.3	9.67-0.1	9.76+0.2	9.59+0.1	9.44+0.2	9.22+0.3	8.97+0.4	8.55
FCF Margin	27.9%-2.1pp	30.0%+1.3pp	28.6%-0.3pp	29.0%+2.0pp	26.9%-4.1pp	31.0%-1.9pp	32.9%+0.6pp	32.3%

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Frequently Asked Questions

What is FIVE STAR BANCORP's annual revenue?

FIVE STAR BANCORP (FSBC) reported $248.9M in total revenue for fiscal year 2025. This represents a 20.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is FIVE STAR BANCORP's revenue growing?

FIVE STAR BANCORP (FSBC) revenue grew by 20.3% year-over-year, from $207.0M to $248.9M in fiscal year 2025.

Is FIVE STAR BANCORP profitable?

Yes, FIVE STAR BANCORP (FSBC) reported a net income of $61.6M in fiscal year 2025, with a net profit margin of 24.8%.

What is FIVE STAR BANCORP's net profit margin?

FIVE STAR BANCORP (FSBC) had a net profit margin of 24.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does FIVE STAR BANCORP pay dividends?

Yes, FIVE STAR BANCORP (FSBC) paid $0.80 per share in dividends during fiscal year 2025.

What is FIVE STAR BANCORP's return on equity (ROE)?

FIVE STAR BANCORP (FSBC) has a return on equity of 13.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is FIVE STAR BANCORP's free cash flow?

FIVE STAR BANCORP (FSBC) generated $71.4M in free cash flow during fiscal year 2025. This represents a 39.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is FIVE STAR BANCORP's operating cash flow?

FIVE STAR BANCORP (FSBC) generated $72.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FIVE STAR BANCORP's total assets?

FIVE STAR BANCORP (FSBC) had $4.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are FIVE STAR BANCORP's capital expenditures?

FIVE STAR BANCORP (FSBC) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does FIVE STAR BANCORP have outstanding?

FIVE STAR BANCORP (FSBC) had 21M shares outstanding as of fiscal year 2025.

What is FIVE STAR BANCORP's debt-to-equity ratio?

FIVE STAR BANCORP (FSBC) had a debt-to-equity ratio of 9.67 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is FIVE STAR BANCORP's return on assets (ROA)?

FIVE STAR BANCORP (FSBC) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is FIVE STAR BANCORP's Piotroski F-Score?

FIVE STAR BANCORP (FSBC) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are FIVE STAR BANCORP's earnings high quality?

FIVE STAR BANCORP (FSBC) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is FIVE STAR BANCORP?

FIVE STAR BANCORP (FSBC) scores 33 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.