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Last update at 2026-06-09T17:45:00Z
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Five Star Bancorp Expands Food and Agribusiness Vertical
Mon 05 May 25, 04:30 PMFive Star Bancorp Announces First Quarter 2025 Results
Mon 28 Apr 25, 10:30 PMFive Star Bancorp Declares First Quarter Cash Dividend
Mon 21 Apr 25, 04:30 PMFive Star Bancorp Announces First Quarter 2025 Earnings Release Date and Webcast
Tue 15 Apr 25, 04:30 PMFive Star Bancorp Announces Quarterly and Annual Results
Mon 27 Jan 25, 11:30 PMFive Star Bank CEO James Beckwith joins California Chamber of Commerce’s Board of Directors
Tue 21 Jan 25, 05:30 PMFive Star Bancorp Declares Fourth Quarter Cash Dividend
Fri 17 Jan 25, 05:30 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 83.73M | 64.72M | 66.62M | 62.86M | 47.15M |
| Minority interest | - | - | - | - | - |
| Net income | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
| Selling general administrative | 40.67M | 33.34M | 29.30M | 23.42M | 20.52M |
| Selling and marketing expenses | - | 2.41M | 2.40M | 1.91M | 1.30M |
| Gross profit | 148.74M | 118.01M | 0.79M | 102.50M | 83.85M |
| Reconciled depreciation | 2.25M | 1.88M | 1.64M | 0.65M | 0.61M |
| Ebit | 83.73M | 64.72M | -1.61000M | 77.71M | 47.15M |
| Ebitda | 86.78M | 66.60M | -1.61000M | 78.36M | 47.76M |
| Depreciation and amortization | 3.05M | 1.88M | 1.61M | 0.65M | 0.61M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 83.73M | 64.72M | -1.61000M | 77.71M | 47.15M |
| Other operating expenses | 171.74M | 147.48M | 9.12M | 8.34M | 36.70M |
| Interest expense | 97.03M | 87.24M | 63.50M | 14.85M | 3.97M |
| Tax provision | 22.13M | 19.05M | 20.02M | 18.06M | 4.71M |
| Interest income | 248.93M | 206.95M | 165.60M | 117.92M | 81.58M |
| Net interest income | 151.91M | 119.71M | 113.34M | 103.07M | 77.61M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 22.13M | 19.05M | 18.88M | 18.06M | 4.71M |
| Total revenue | 255.47M | 212.20M | 7.51M | 108.94M | 83.85M |
| Total operating expenses | 65.01M | 53.29M | 2.40M | 1.91M | -36.69800M |
| Cost of revenue | 106.73M | 94.19M | 6.72M | 6.44M | - |
| Total other income expense net | - | 60.68M | 68.23M | -14.84800M | -3.97200M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 61.61M | 45.67M | 50.22M | 44.80M | 42.44M |
| Net income applicable to common shares | - | - | - | 44.80M | 42.44M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4754.86M | 4053.28M | 3593.12M | 3227.16M | 2556.76M |
| Intangible assets | - | 1.73M | 2.16M | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | -533.59400M | 366.76M | 336.40M | 221.34M | 6.78M |
| Total liab | 4309.03M | 3656.65M | 3307.35M | 2974.33M | 2321.72M |
| Total stockholder equity | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 2.00M | 3557.99M | 2876.37M | -14.48100M | -7.43900M |
| Common stock | 303.99M | 302.53M | 220.50M | 219.54M | 218.44M |
| Capital stock | 303.99M | 302.53M | 220.50M | 219.54M | 218.44M |
| Retained earnings | 150.99M | 106.46M | 77.04M | 46.74M | 17.17M |
| Other liab | - | - | - | - | 7.32M |
| Good will | - | - | - | - | - |
| Other assets | 4247.91M | 3411.97M | - | 2702.87M | 1791.01M |
| Cash | 472.87M | 356.46M | 327.43M | 269.84M | 439.79M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 2.00M | 3557.99M | 3047.62M | 14.48M | 7.44M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -375.08800M | -275.71200M | -78.08200M | -91.99100M | -411.40700M |
| Short term debt | - | 1.58M | 171.25M | - | 28.36M |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 97.78M | 80.75M | 249.35M | 177.85M | 28.39M |
| Other stockholder equity | - | 409.00M | - | 2845.13M | 2280.15M |
| Property plant equipment | - | - | - | 5.59M | 1.77M |
| Total current assets | 45.88M | 479.03M | 336.40M | 393.28M | 610.23M |
| Long term investments | 109.00M | 109.80M | 117.96M | 119.74M | 153.75M |
| Net tangible assets | - | - | - | 252.82M | 235.05M |
| Short term investments | 94.70M | 98.19M | 108.08M | 115.99M | 148.81M |
| Net receivables | 11.90M | 24.37M | 22.58M | 34.08M | 21.63M |
| Long term debt | 74.04M | 73.89M | 243.75M | 173.61M | 28.39M |
| Inventory | - | - | -189.25600M | - | -16.29600M |
| Accounts payable | - | - | - | 14.48M | 7.44M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -9.14300M | -12.37100M | -11.76700M | -13.45400M | -0.56600M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 614.45M | 56.67M | 2922.90M | 5.68M | -155.52600M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 4708.98M | 3574.25M | 3256.72M | 131.01M | 155.53M |
| Capital lease obligations | 11.87M | 6.86M | 5.60M | 4.24M | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 6.44M | -446.74400M | -415.18600M | -836.92200M | -24.61700M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -544.10900M | -446.74400M | -279.27800M | -836.92200M | -455.01100M |
| Net borrowings | 0.00000M | -170.00000M | 70.00M | 146.25M | 146.25M |
| Total cash from financing activities | 626.00M | 425.73M | 301.95M | 625.61M | 561.19M |
| Change to operating activities | - | - | - | 7.36M | -0.23000M |
| Net income | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
| Change in cash | 154.51M | 30.77M | 61.59M | -165.33800M | 134.84M |
| Begin period cash flow | 352.34M | 321.58M | 259.99M | 425.33M | 290.49M |
| End period cash flow | 506.85M | 352.34M | 321.58M | 259.99M | 425.33M |
| Total cash from operating activities | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M |
| Issuance of capital stock | 0.00000M | 80.87M | 0.00000M | 0.00000M | 111.24M |
| Depreciation | 3.05M | 1.88M | 1.61M | 0.65M | 0.61M |
| Other cashflows from investing activities | -4311.30800M | -452.70900M | -288.77500M | -7.27700M | -2.79500M |
| Dividends paid | 17.09M | 16.24M | 12.94M | 15.30M | 51.94M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -3.37800M | 2.54M | -3.70800M | -5.09600M | -3.05000M |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | 643.09M | 531.10M | 244.89M | 669.66M | 501.89M |
| Change to netincome | - | - | - | -3.15300M | -11.17700M |
| Capital expenditures | 1.20M | 0.63M | 0.65M | 0.48M | 0.72M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 1.61M | -0.99200M | -2.71100M | 2.27M | -3.28000M |
| Stock based compensation | 1.46M | 1.16M | 0.96M | 0.65M | 0.59M |
| Other non cash items | 5.47M | 4.32M | -7.78600M | -0.45200M | -7.70400M |
| Free cash flow | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FSBC Five Star Bancorp |
0.63 1.45% | 44.04 | 14.14 | - | 5.89 | 1.97 | 6.13 |
| HDB HDFC Bank Limited ADR |
0.23 1.02% | 23.25 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.27 0.88% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.16 0.32% | 50.61 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
3100 Zinfandel Drive, Rancho Cordova, CA, United States, 95670
| Name | Title | Year Born |
|---|---|---|
| Mr. James Eugene Beckwith | Pres, CEO & Director | 1958 |
| Mr. John William Dalton | Sr. VP & Chief Credit Officer | 1954 |
| Mr. Michael Anthony Rizzo | Sr. VP & Chief Banking Officer | 1966 |
| Mr. Michael D. Campbell | Sec. | 1949 |
| Ms. Heather Christina Luck | Sr. VP & CFO | 1981 |
| Ms. Lydia Ann Ramirez-Medina | Sr. VP, COO and Chief DE&I Officer | 1981 |
| Mr. Brett Levi Wait | Sr. VP & Chief Information Officer | 1981 |
| Ms. Shelley Ronan Wetton | Sr. VP & Chief Marketing Officer | 1972 |
| Mr. Michael Eugene Lee | Sr. VP & Chief Regulatory Officer | 1962 |
| Mr. James Eugene Beckwith | President, CEO & Director | 1958 |
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