FIVE STAR BANCORP FSBC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $46.61
Market Cap $1.01B
P/E Ratio N/A
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑25.6% YoY
$158.44M
3-Yr CAGR: 12.9%
Net Income ↑34.9% YoY
$61.61M
Net Margin: 38.9%
Free Cash Flow ↑39.6% YoY
$71.42M
FCF Yield: 7.10%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity Efficiency
13.8%
ROA: 1.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FSBC)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Op. Cash Flow Free Cash Flow FCF YoY
FY 2020 $65.2M $37.0M $35.9M $51.5M $51.5M
FY 2021 $84.9M +30.2% $48.8M $42.4M +18.1% $28.7M $28.7M -44.3%
FY 2022 $110.2M +29.8% $69.6M $44.8M +5.6% $46.0M $45.5M +58.8%
FY 2023 $118.4M +7.4% $54.9M $47.7M +6.5% $38.9M $38.3M -15.9%
FY 2024 $126.2M +6.6% $38.9M $45.7M -4.3% $51.8M $51.2M +33.7%
FY 2025 $158.4M +25.6% $61.4M $61.6M +34.9% $72.6M $71.4M +39.6%
$

Valuation

Market Price $46.61
Market Cap $1.01B
Enterprise Value N/A
P/E Ratio N/A
P/B Ratio 2.23
FCF Yield 7.10%
Dividend Yield N/A
Shares Outstanding 21,376,200
%

Profitability & Margins

Gross Margin 38.76%
Operating Margin 52.85%
Net Margin 38.88%
Return on Equity (ROE) 13.82%
Return on Assets (ROA) 1.30%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 12.86%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity N/A
Debt / Assets N/A
Cash & Equivalents $506.85M
Total Debt N/A
Book Value / Share $20.86
💧

Cash Flow Efficiency

Operating Cash Flow $72.61M
Capital Expenditures (CapEx) $1.20M
Free Cash Flow $71.42M
OCF / Revenue 45.83%
FCF / Revenue 45.07%
FCF 3-Yr CAGR 16.22%
🏷️

Per Share Metrics

EPS (Diluted) N/A
EPS (Basic) N/A
Dividends / Share N/A
Book Value / Share $20.86
EPS YoY Growth N/A
🏛️

Balance Sheet (FY 2025)

Total Assets $4.75B
Total Liabilities $4.31B
Stockholders' Equity $445.83M
Current Assets N/A
Current Liabilities N/A