FSBC - NASDAQ

Five Star Bancorp

FSBC·NASDAQ

$41.87

-2.2%

Financial ServicesBanks - Regional

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$895.02M

EPS2.9000

P/E Ratio14.44

Earnings Date07/22/2026

4.75B

Assets

17%

3Y+47.0%

5Y+143.0%

10Y+1637.0%

4.31B

Total Liabilities

18%

3Y+45.0%

5Y+137.0%

10Y+1682.0%

445.83M

Total Equity

12%

3Y+76.0%

5Y+233.0%

10Y+1299.0%

Five Star Bancorp Funding & Solvency Profile

FSBC · NASDAQ

Current Assets

Cash & Cash Equivalents506.95M

Net Receivables11.90M

Inventory0.00

Other Current Assets0.00

Total Current Assets577 M

Non-Current Assets

Property, Plant & Equipment12.91M

Goodwill & Intangible Assets0.00

Long-Term Investments4.08B

Other Non-Current Assets83.58M

Total Non-Current Assets4 B

Total Assets

4.75B

Financial Health Analysis

Current Ratio

0.14x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.67x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-3624324000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

12% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Five Star Bancorp Balance Sheet

FSBC • NASDAQ

Five Star Bancorp Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	507M	356.5M	327.4M	269.8M	439.8M	314.2M	197.3M	6.3M	10.4M	7.4M
Short-Term Investments	57.9M	98.2M	108.1M	116M	148.8M	114.9M	77.2M	18.3M	18.3M	17.7M
Cash & Short-Term Investments	564.9M	454.7M	435.5M	385.8M	588.6M	429.1M	274.5M	24.6M	28.7M	25.2M
Net Receivables	11.9M	24.4M	22.6M	7.5M	5.3M	5.4M	3.5M	876K	824K	652K
Accounts Receivables	11.9M	10.3M	9M	7.5M	5.3M	5.4M	3.5M	0.0	0.0	0.0
Other Receivables	0.0	14.1M	13.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	576.8M	479M	458.1M	393.3M	593.9M	434.6M	278M	25.5M	29.5M	25.8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	12.9M	7.8M	6.9M	5.6M	1.8M	1.7M	1.3M	2.7M	3.1M	3.2M
Intangible Assets	0.0	0.0	0.0	0.0	2.2M	2.1M	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	2.2M	2.1M	0.0	0.0	0.0	0.0
Long-Term Investments	4.1B	3.5B	3.1B	2.8B	1.9B	1.5B	1.2B	4.7M	8.7M	5.8M
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	731K	610K	814K
Other Non-Current Assets	83.6M	56.7M	59.5M	46.5M	26.3M	17.9M	16.7M	294.6M	272.4M	238.2M
Total Non-Current Assets	4.2B	3.6B	3.1B	2.8B	2B	1.5B	1.2B	302.8M	284.8M	247.9M
Total Assets	4.8B	4.1B	3.6B	3.2B	2.6B	2B	1.5B	328.3M	314.4M	273.7M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	14.5M	7.4M	7.7M	6M	0.0	0.0	0.0
Accounts Payable	0.0	0.0	0.0	14.5M	7.4M	7.7M	6M	0.0	0.0	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	1M	13.8M	13M	0.0
Other Current Liabilities	4.2B	3.6B	3B	2.8B	2.3B	1.8B	1.3B	0.0	0.0	0.0
Total Current Liabilities	4.2B	3.6B	3B	2.8B	2.3B	1.8B	1.3B	13.8M	13M	0.0
NON-CURRENT LIABILITIES
Long Term Debt	74M	73.9M	243.7M	173.6M	28.4M	28.3M	53.3M	58.1M	51.4M	56.8M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	222K	242K	308K
Other Non-Current Liabilities	22M	17.9M	31.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	107.9M	98.7M	280.5M	177.8M	28.4M	28.3M	53.3M	58.3M	51.7M	57.1M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	224.7M	218.6M	184.7M
Capital Lease Obligations	11.9M	6.9M	5.6M	4.2M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	4.3B	3.7B	3.3B	3B	2.3B	1.8B	1.4B	296.8M	283.3M	241.9M
SHAREHOLDERS' EQUITY
Common Stock	304M	302.5M	220.5M	219.5M	218.4M	110.1M	96.1M	19K	19K	19K
Retained Earnings	151M	106.5M	77M	46.7M	17.2M	22.3M	12.8M	16.2M	16.1M	15.9M
Accumulated Other Comprehensive Income/Loss	-9.1M	-12.4M	-11.8M	-13.5M	-566K	1.3M	-26K	-183K	-165K	-85K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15.5M	15.1M	16M
Total Stockholders' Equity	445.8M	396.6M	285.8M	252.8M	235M	133.8M	108.9M	31.5M	31.1M	31.9M
Total Equity	445.8M	396.6M	285.8M	252.8M	235M	133.8M	108.9M	31.5M	31.1M	31.9M
SUMMARY
Total Liabilities & Equity	4.8B	4.1B	3.6B	3.2B	2.6B	2B	1.5B	328.3M	314.4M	273.7M
Total Investments	4.1B	3.6B	3.2B	2.9B	2.1B	1.6B	1.3B	23M	27M	23.5M
Total Debt	85.9M	80.8M	249.4M	177.8M	28.4M	28.3M	53.3M	71.8M	64.4M	56.8M
Net Debt	-421M	-275.7M	-78.1M	-92M	-411.4M	-285.9M	-144.1M	65.5M	54.1M	49.4M
Shares Outstanding	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400	21,367,400

SEC Filings

FSBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 28, 2026	May 21, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 14, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 30, 2026	May 21, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
S-3 S-3 N/A	January 30, 2026	January 30, 2026		View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 16, 2026	January 16, 2026	2026	View Filing

Showing 1 to 10 of 117 filings

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