FSBCNasdaqState Commercial BanksFiscal year ends December 31
FIVE STAR BANCORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$42.69−0.29 (-0.67%)
Close on Oct 19, 2026
- Market cap
- $910.96M
- P/E (TTM)
- 12.6
- Dividend yield
- 1.87%
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
38.9%−9.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +25.6% | +12.9% | +16.3% | – | |
| Net income | +34.9% | +11.2% | +11.4% | – | |
| EPS, diluted | +28.3% | +3.6% | -4.1% | – | |
| Free cash flow | +39.6% | +16.2% | +7.1% | – | |
| Dividend per share | 0.0% | -8.7% | -21.2% | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 29.6% | 14.6% | |
| Return on assets | – | – | 1.4% | |
| Capex to revenue | – | 1.1% | 0.8% | |
| Diluted shares | – | 10M | 21M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Five Star Bancorp generated $237.94M from operations and spent $117.19M on capital expenditure, dividends and share buybacks. 3% of that went back into the business.
Generated
$237.94M
Used
$117.19M
Capital expenditure$3.68M3%Dividends$113.51M97%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin38.9%
×Asset turnover0.04×
×Equity multiplier10.46×
=Return on equity, FY202514.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 38.9% | 0.04× | 10.46× | 14.6% |
| FY2024 | 36.2% | 0.03× | 11.21× | 13.4% |
| FY2023 | 40.3% | 0.03× | 12.66× | 17.7% |
| FY2022 | 40.6% | 0.04× | 11.86× | 18.4% |
| FY2021 | 50.0% | 0.04× | 12.23× | 23.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$61.61M
- Cash generatingOperating cash flow above zero$72.61M
- Return on assets improvedROA up on the prior year1.3% → 1.5%
- Earnings backed by cashOperating cash flow above net income$72.61M vs $61.61M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise20M → 21M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04