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FIVE STAR BANCORP

FSBC

$46.04 ▼ -0.39 (-0.84%) at close

7 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIVE STAR BANCORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $977.2M

Dividend Yield 1.74%

Revenue Growth 25.6% ↗

Op. Margin 52.8% ↗

ROIC None

FCF / Share None

Trailing P/E 15.9x

Price / Book 2.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$158.44M

↑ +25.6% —

Net Income Profit after all expenses

$61.61M

↑ +34.9% —

Operating Margin Operating profit as % of sales

52.8%

↑ +3.0% 97th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+0.0% YoY

-21.2% 6-yr CAGR

FY 2019

$2.63

FY 2020

$4.55

FY 2021

$1.05

FY 2022

$0.75

FY 2023

$0.80

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	25.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+326%)	6.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	29.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+397%)	13.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+132%)	—	—
EPS Growth YoY (%)	28.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-20.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	34.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.3% Weak ↓ Weak Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	5.6% Fair Fair Year-over-year change in net income	18.1% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	12.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.1% Good Good Compound annual revenue growth over 3 years	16.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	16.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	3.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-7.2% Weak Weak Compound annual EPS growth over 3 years	-8.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	52.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	51.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	56.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+125%)	57.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	55.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	50.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	—
Effective Tax Rate (%) (%)	26.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	38.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	36.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	40.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	40.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	50.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+127%)	48.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	13.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	11.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	16.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+39%)	17.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+48%)	18.1% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	26.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+124%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$7.46	$6.26	$6.90	$6.44	$5.67	$7.40	—
Basic EPS, GAAP (USD)	$2.90	$2.26	$2.78	$2.61	$2.83	$3.57	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.80	$0.80	$0.75	$1.05	$4.55	$2.63	—
Book Value per Share (USD)	$20.87	$18.60	$16.56	$14.66	$13.65	$12.16	—
Tangible Book Value per Share (USD)	$20.87	$18.60	$16.56	$14.66	$13.65	$12.16	—
Basic Weighted Avg Shares (shares)	21.22M	20.15M	17.17M	17.13M	14.97M	10.06M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$445.83M	$396.62M	$285.77M	$252.82M	$235.05M	$133.78M	$108.88M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$158.44M	$126.16M	$118.39M	$110.23M	$84.89M	$74.51M	—
Net Income, GAAP (USD)	$61.61M	$45.67M	$47.73M	$44.80M	$42.44M	$35.93M	—
Operating Cash Flow (USD)	$72.61M	$51.79M	$38.91M	$45.98M	$28.66M	$51.48M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.0%	3.1%	3.2%	3.0%	3.3%	—
Efficiency Ratio (%) (%)	41.0%	43.2%	40.4%	36.9%	42.5%	37.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 26 quarters

FIVE STAR BANCORP

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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Signals

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