FIVE STAR BANCORP

FSBC

FIVE STAR BANCORP

FSBC

Insider Sentiment (TTM):

Last Purchase:2025-03-13Last Sale:2026-05-26Shares Purchased (TTM):0Shares Sold (TTM):21,200

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:10,042,942Shares Outstanding:21,253,085Institutional Ownership Pct.:47.25%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	46	46	34	44	54	42	34	45	29	30	27	27
Interest Bearing Deposits In Banks	639	598	473	536	430	410	318	206	162	156	295	297
Time Deposits At Carrying Value	0	0	0	0	1	4	4	4	4	6	6	7
Available For Sale Securities Debt Securities	91	92	95	96	95	97	98	104	103	105	108	104
Held To Maturity Securities	-	2	2	2	3	3	3	3	3	3	3	3
Loans Receivable Held For Sale Net Not Part Of Dis…	-	-	0	0	0	3	3	3	5	10	11	9
Notes Receivable Gross	4,520	4,213	4,075	3,887	3,758	3,622	3,533	3,461	3,266	3,104	3,082	3,010
Financing Receivable Allowance For Credit Losses	-	-46	-44	-42	-40	-39	-38	-38	-35	-35	-34	-34
Notes Receivable Net	4,472	4,167	4,031	3,845	3,718	3,583	3,495	3,423	3,231	3,069	3,047	2,976
Federal Home Loan Bank Stock	15	15	15	15	15	15	15	15	15	15	15	15
Operating Lease Right Of Use Asset	10	10	11	10	7	6	6	7	7	7	5	5
Property Plant And Equipment Net	2	2	2	2	2	2	2	2	2	2	2	2
Bank Owned Life Insurance	29	28	24	24	23	23	19	19	19	19	17	17
Interest Receivable And Other Assets	71	70	69	68	66	58	56	57	55	55	57	44
Assets	5,377	5,032	4,755	4,642	4,413	4,245	4,053	3,887	3,634	3,476	3,593	3,505
Liabilities And Stockhold…
Deposits
Deposits	4,799	4,469	4,201	4,103	3,895	3,736	3,558	3,400	3,150	2,956	3,027	3,032
Noninterest Bearing Deposit Liabilities	1,174	1,233	1,085	1,059	1,004	934	923	907	826	817	831	833
Interest Bearing Deposit Liabilities	3,625	3,237	3,117	3,044	2,891	2,803	2,635	2,493	2,324	2,138	2,196	2,199
Advances From Federal Home Loan Banks	-	-	-	-	-	-	-	-	-	-	170	90
Subordinated Debt	74	74	74	74	74	74	74	74	74	74	74	74
Other Borrowings	-	-	0	0	0	0	0	0	0	120	170	-
Operating Lease Liability	11	12	12	10	8	7	7	7	7	7	6	5
Interest Payable Current And Noncurrent	19	18	22	23	20	22	18	16	23	27	31	30
Liabilities	4,903	4,573	4,309	4,210	3,997	3,839	3,657	3,497	3,254	3,184	3,307	3,231
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	305	304	304	304	303	303	303	302	302	221	221	220
Stockholders Equity
Stockholders Equity	474	459	446	431	417	406	397	390	380	293	286	274
Retained Earnings Accumulated Deficit	178	164	151	138	126	115	106	97	91	84	77	70
Accumulated Other Comprehensive Income Loss Net Of…	-9	-10	-9	-10	-12	-12	-12	-10	-12	-12	-12	-16
Liabilities And Stockholders Equity	5,377	5,032	4,755	4,642	4,413	4,245	4,053	3,887	3,634	3,476	3,593	3,505
Debt Securities Available For Sale Allowance For C…	0	0	0	0	0	0	0	0	0	0	0	0
Available For Sale Debt Securities Amortized Cost …	103	105	107	109	111	114	116	118	121	123	125	127
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	2	2	2	2	2	2	2	3	3	3	3	3
Preferred Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	21	21	21	21	21	21	21	21	21	17	17	17
Shares Outstanding	21	21	21	21	21	21	21	21	21	17	17	17

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.40%	17.46%	13.51%	-	-	-	-	-	-	-	-	-
2025	-2.03%	-0.28%	7.08%	12.11%	12.25%	21.90%	0.50%	6.44%	11.39%	-6.60%	6.40%	4.39%
2024	3.85%	7.16%	35.43%	9.30%	9.30%	11.40%	1.01%	-7.48%	-8.46%	-8.08%	-13.30%	-4.21%
2023	-	-	-	-6.50%	-15.39%	-20.08%	17.20%	29.03%	24.10%	-1.30%	-6.87%	-1.11%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.44	-0.44	-0.45	-0.44	-0.46	-0.46	-0.07	0.41	1.03	1.86	2.05	2.34
Per Share Metrics
Diluted EPS TTM	3.37	3.15	2.90	2.69	2.44	2.27	2.26	2.03	2.05	2.62	2.78	2.92
Free Cash Flow Per Share TTM	3.62	3.52	3.36	2.54	2.48	3.13	2.54	1.48	1.38	2.21	2.23	3.40
Dividend Per Share TTM	0.85	0.85	0.80	0.60	0.60	0.80	0.81	0.73	0.69	0.80	0.75	0.70
Margin Metrics
Gross Profit Margin TTM	63.10%	62.26%	61.02%	59.66%	58.91%	58.64%	57.85%	52.07%	52.62%	53.58%	57.18%	68.44%
Operating Profit Margin TTM	35.57%	34.87%	33.64%	33.34%	32.05%	31.48%	31.27%	30.97%	32.51%	34.73%	38.20%	42.41%
Net Profit Margin TTM	26.58%	25.89%	24.75%	23.84%	22.75%	22.24%	22.07%	22.09%	23.03%	24.89%	27.37%	30.32%
Growth Metrics
Net Revenue Growth (1Y)	18.79%	19.72%	20.29%	22.97%	21.44%	19.21%	18.68%	17.98%	23.44%	34.17%	47.88%	61.14%
Net Income Growth (1Y)	38.80%	39.39%	34.89%	32.74%	19.93%	6.52%	-4.32%	-14.07%	-14.98%	-6.02%	6.55%	17.25%
EPS Growth (1Y)	38.49%	39.10%	28.09%	32.43%	18.88%	-13.66%	-18.51%	-30.32%	-30.63%	-6.24%	6.31%	17.02%
Valuation Metrics
P/E TTM	14.31	11.81	12.11	11.66	11.33	11.80	12.71	13.87	10.86	8.00	8.73	6.30
P/B TTM	2.17	1.73	1.67	1.55	1.41	1.40	1.46	1.54	1.23	1.24	1.46	1.15
P/S TTM	3.80	3.06	3.00	2.78	2.58	2.62	2.80	3.06	2.50	1.99	2.39	1.91
Market Cap	1.03B	792.57M	746.07M	667.85M	587.76M	568.03M	580.38M	598.69M	469.56M	361.71M	416.77M	316.25M
Enterprise Value	345.26M	148.21M	239.22M	87.40M	103.95M	115.46M	228.04M	347.83M	279.20M	176.39M	95.20M	-7.30M
Calculated Values
Free Cash Flow TTM	77.11M	74.80M	71.42M	54.01M	52.75M	66.39M	51.16M	31.45M	28.93M	37.95M	38.26M	58.47M
Net Debt	-685.07M	-644.36M	-506.85M	-580.45M	-483.81M	-452.57M	-352.34M	-250.85M	-190.36M	-185.33M	-321.58M	-323.55M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-26Sale

Owner: Wait, Brett Levi

Title: SVP, Chief Information Officer

Shares: 1,640

Price/Share: $42.27

Value: $69,322.80

Shares Owned: 16,873

Relationship: Officer

Ownership: Direct

2026-05-21Sale

Owner: Lee, Michael Eugene

Title: SVP, Chief Regulatory Officer

Shares: 867

Price/Share: $41.23

Value: $35,746.41

Shares Owned: 32,764

Relationship: Officer

Ownership: Indirect

2026-05-20Sale

Owner: Beckwith, James Eugene

Title: President & CEO

Shares: 6,428

Price/Share: $41.23

Value: $265,026.44

Shares Owned: 466,586

Relationship: Director,Officer

Ownership: Indirect

2026-05-14Sale

Owner: Wait, Brett Levi

Title: SVP & CIO

Shares: 2,583

Price/Share: $41.11

Value: $106,187.13

Shares Owned: 17,608

Relationship: Officer

Ownership: Direct

2026-05-07Sale

Owner: Lee, Michael Eugene

Title: SVP & Chief Regulatory Officer

Shares: 1,641

Price/Share: $41.26

Value: $67,707.66

Shares Owned: 33,631

Relationship: Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-26	Wait, Brett Levi	Officer	SVP, Chief Information Officer	Direct	Sale	1,640	42.27	$69,322.80	16,873	4
2026-05-21	Lee, Michael Eugene	Officer	SVP, Chief Regulatory Officer	Indirect	Sale	867	41.23	$35,746.41	32,764	4
2026-05-20	Beckwith, James Eugene	Director,Officer	President & CEO	Indirect	Sale	6,428	41.23	$265,026.44	466,586	4
2026-05-14	Wait, Brett Levi	Officer	SVP & CIO	Direct	Sale	2,583	41.11	$106,187.13	17,608	4
2026-05-07	Lee, Michael Eugene	Officer	SVP & Chief Regulatory Officer	Indirect	Sale	1,641	41.26	$67,707.66	33,631	4
2026-05-06	Ramirez-Medina, Lydia Ann	Officer	EVP & Chief Operating Officer	Direct	Sale	400	40.99	$16,396.00	10,960	4
2026-03-09	Beckwith, James Eugene	Director,Officer	President & CEO	Indirect	Sale	4,000	36.66	$146,640.00	473,014	4
2026-02-20	Lee, Michael Eugene	Officer	SVP & Chief Regulatory Officer	Indirect	Sale	1,200	39.30	$47,160.00	35,272	4
2026-02-17	Lee, Michael Eugene	Officer	SVP & Chief Regulatory Officer	Indirect	Sale	1,200	40.74	$48,888.00	36,472	4
2025-12-12	Rizzo, Michael Anthony	Officer	EVP & Chief Banking Officer	Indirect	Sale	641	37.28	$23,896.48	0	4
2025-11-19	Ramirez-Medina, Lydia Ann	Officer	EVP & Chief Operating Officer	Direct	Sale	600	33.07	$19,842.00	11,360	4
2025-08-15	Ramirez-Medina, Lydia Ann	Officer	EVP & Chief Operating Officer	Direct	Sale	825	30.94	$25,525.50	11,960	4
2025-06-10	Beckwith, James Eugene	Director,Officer	President & CEO	Indirect	Sale	6,429	27.74	$178,340.46	469,952	4
2025-06-05	Ramirez-Medina, Lydia Ann	Officer	EVP & Chief Operating Officer	Direct	Sale	600	27.43	$16,458.00	12,785	4
2025-03-13	Lucas, Donna	Director	-	Indirect	Purchase	2,650	28.43	$75,339.50	12,076	4
2025-03-10	Kurtze, Don Justin	Officer	EVP & SF Bay Area President	Direct	Purchase	100	28.46	$2,846.00	1,014	4
2025-02-28	Beckwith, James Eugene	Director,Officer	President & CEO	Indirect	Sale	4,000	30.25	$121,000.00	476,381	4
2024-10-31	Lee, Michael Eugene	Officer	SVP & Chief Regulatory Officer	Indirect	Sale	1,500	30.67	$46,005.00	36,765	4
2024-09-05	Ramirez-Medina, Lydia Ann	Officer	SVP & COO & Chief DE&I Officer	Direct	Sale	500	28.62	$14,310.00	9,756	4
2024-08-29	Perry-Smith, Robert Truxt…	Director	-	Indirect	Sale	2,310	29.51	$68,168.10	225,328	4
2024-08-15	Beckwith, James Eugene	Director,Officer	President & CEO	Indirect	Sale	13,539	26.96	$365,011.44	480,381	4
2024-07-29	Ramirez-Medina, Lydia Ann	Officer	SVP & COO & Chief DE&I Officer	Direct	Sale	500	29.52	$14,760.00	10,256	4
2024-07-29	Lee, Michael Eugene	Officer	SVP & Chief Regulatory Officer	Indirect	Sale	3,000	29.09	$87,270.00	38,265	4
2024-03-28	Allbaugh, Larry Eugene	Director,TenPercentOwner	-	Indirect	Purchase	137,931	21.75	$2,999,999.25	1,010,778	4
2024-03-28	Deary-Bell, Shannon	Director	-	Indirect	Purchase	13,793	21.75	$299,997.75	77,355	4
2024-03-28	Perry-Smith, Robert Truxt…	Director	-	Indirect	Purchase	80,460	21.75	$1,750,005.00	227,638	4
2024-03-28	Lucas, Donna	Director	-	Indirect	Purchase	2,298	21.75	$49,981.50	8,261	4
2024-03-28	Riggs, Judson Teichert	Director	-	Indirect	Purchase	4,598	21.75	$100,006.50	100,051	4
2024-03-28	Ramos, Kevin Francis	Director	-	Indirect	Purchase	13,793	21.75	$299,997.75	169,657	4
2024-02-07	Perry-Smith, Robert Truxt…	Director	-	Indirect	Purchase	3,100	21.95	$68,045.00	145,540	4
2023-11-02	Wait, Brett Levi	Officer	SVP & CIO	Direct	Purchase	1,750	19.25	$33,687.50	13,284	4
2023-10-25	Lucchetti, David John	Director	-	Indirect	Purchase	5,405	18.69	$101,019.45	309,200	4
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Institutional Ownership

No data available for chart

2026-03-31

47.25%

Inst. Shares: 10,042,942

Shares Outstanding: 21,253,085

2025-12-31

47.80%

Inst. Shares: 10,144,455

Shares Outstanding: 21,224,788

2025-09-30

46.30%

Inst. Shares: 9,830,769

Shares Outstanding: 21,231,563

2025-06-30

46.24%

Inst. Shares: 9,815,486

Shares Outstanding: 21,225,831

2025-03-31

46.00%

Inst. Shares: 9,757,080

Shares Outstanding: 21,209,881

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	10,042,942	21,253,085	47.25%
2025-12-31	10,144,455	21,224,788	47.80%
2025-09-30	9,830,769	21,231,563	46.30%
2025-06-30	9,815,486	21,225,831	46.24%
2025-03-31	9,757,080	21,209,881	46.00%
2024-12-31	9,624,287	20,154,385	47.75%
2024-09-30	9,651,825	21,182,143	45.57%
2024-06-30	9,730,945	21,039,798	46.25%
2024-03-31	9,475,712	17,190,867	55.12%
2023-12-31	6,414,628	17,166,592	37.37%
2023-09-30	5,684,728	17,175,034	33.10%
2023-06-30	5,671,481	17,165,344	33.04%
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FIVE STAR BANCORP (FSBC) — SEC Financial Statements & Analysis

FIVE STAR BANCORP (FSBC) is a state commercial banks company, incorporated in CA. FIVE STAR BANCORP trades on Nasdaq as: FSBC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIVE STAR BANCORP reported a 18.79% year-over-year revenue growth, a Gross Profit Margin of 63.10% (TTM), a Price-to-Sales (P/S) ratio of 3.80x (TTM), a Price-to-Book (P/B) ratio of 2.17x (TTM), at a market cap of $1.03B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 18.79%
Gross Profit Margin TTM: 63.10%
P/S TTM: 3.80x
P/B TTM: 2.17x
Market Cap: $1.03B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIVE STAR BANCORP in?

FIVE STAR BANCORP (FSBC) operates in the State Commercial Banks industry.

What is FSBC's market cap?

FIVE STAR BANCORP (FSBC) has a market capitalization of $1.03B as of 2026-06-30.

What is FSBC's P/E ratio?

FIVE STAR BANCORP (FSBC)'s trailing twelve month P/E ratio is 14.31x as of 2026-06-30.

What exchange does FSBC trade on?

FIVE STAR BANCORP (FSBC) trades on the Nasdaq.

Where is FIVE STAR BANCORP incorporated?

FIVE STAR BANCORP is incorporated in CA.