FSBC - NASDAQ
Five Star Bancorp
$41.87
-2.2%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.
At a Glance
Live SnapshotFive Star Bancorp Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Five Star Bancorp Cash Flow Statement
FSBC • NASDAQ
| Five Star Bancorp Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||
61.6M | 45.7M | 47.7M | 44.8M | 42.4M | 35.9M | 29.3M | 211K | 854K | 513K | |
3M | 1.9M | 1.6M | 1.6M | 607K | 461K | 433K | 338K | -132K | -87K | |
-578K | -243K | -897K | -1.9M | -4M | -143K | 0.0 | -166K | 116K | 116K | |
1.5M | 1.2M | 962K | 1.1M | 594K | 316K | 733K | 0.0 | 0.0 | 0.0 | |
5.5M | 4.3M | -7.8M | -908K | -7.7M | 16.8M | 398K | 3.8M | 11.9M | -292K | |
(25M) | (16.9M) | (20M) | (5.2M) | (10.5M) | (1.7M) | (1.2M) | (0.0) | (0.0) | (0.0) | |
1.6M | -992K | -2.7M | 1.3M | -3.3M | -1.9M | -2M | -4.8M | -9.3M | 25.8M | |
72.6M | 51.8M | 38.9M | 46M | 28.7M | 51.5M | 28.9M | -477K | 3.6M | 250K | |
INVESTING ACTIVITIES | ||||||||||
(0.0) | -628K | -653K | -481K | -717K | -833K | -508K | -362K | -875K | -361K | |
(0.0) | -2.9M | -2.6M | -2.6M | -99.7M | -97.6M | -34.9M | -2M | -7.5M | -6K | |
3.8B | 9.5M | 12.7M | 17.1M | 65.8M | 62.5M | 29.2M | 3.5M | 11.3M | 4M | |
-4.3B | -452.7M | -288.8M | -850.9M | -420.4M | -336.8M | -224.2M | -38.6M | -21.5M | -11.1M | |
-544.1M | -446.7M | -279.3M | -836.9M | -455M | -372.6M | -230.4M | -37.5M | -18.6M | -7.5M | |
FINANCING ACTIVITIES | ||||||||||
0.0 | 80.9M | 0.0 | 0.0 | 111.2M | 13.4M | 22.7M | 0.0 | 0.0 | 0.0 | |
0.0 | -170M | 70M | 144.8M | 0.0 | -25M | 28.8M | 0.0 | 0.0 | 0.0 | |
-17.1M | -16.2M | -12.9M | -15.3M | -51.9M | -26.4M | -26.3M | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -6.3M | -10.4M | -6K | |
643.1M | 531.1M | 244.9M | 496.1M | 501.9M | 472.3M | 150.3M | 40.9M | 16.3M | 9.1M | |
626M | 425.7M | 301.9M | 625.6M | 561.2M | 434.3M | 175.5M | 40.9M | 16.3M | 9.1M | |
CASH FLOW SUMMARY | ||||||||||
154.5M | 30.8M | 61.6M | -165.3M | 134.8M | 113.1M | -25.9M | 3M | 1.3M | 1.8M | |
352.3M | 321.6M | 260M | 425.3M | 290.5M | 177.4M | 203.3M | 3.3M | 9.1M | 5.6M | |
506.9M | 352.3M | 321.6M | 260M | 425.3M | 290.5M | 177.4M | 6.3M | 10.4M | 7.4M | |
71.4M | 51.2M | 38.3M | 45.5M | 27.9M | 50.6M | 28.4M | -839K | 2.7M | -111K |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 15, 2026 | April 14, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 30, 2026 | May 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
S-3 S-3 N/A | January 30, 2026 | January 30, 2026 | ||
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 16, 2026 | January 16, 2026 | 2026 |
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