Five Star Bancorp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $255.5M+19.7% YoYTTM through 30 Jun 2026
Net Income $72M+57.7% YoYTTM through 30 Jun 2026
Free Cash Flow $80.5MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 32.8% |
| Net Margin | 24.1% |
Returns
14.7%ROE
1.4%ROA
-52.5%ROIC
Balance Sheet Health
Debt / Equity0.17x
Net Debt-$432.8Mnet cash position
Cash & Equivalents$685.1M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin31.5%
Earnings-Beat Rate100.0%
Multi-Year Trend
Diluted EPS$3.38TTMFY2025: $2.90
Dividend
$0.50Per share, FY20261.13%Yield+10.8%5-yr growth
Capital Allocation
Capex Intensity0.6%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Banking | $255.5M | +19.7% | View detailsThe company expects continued organic loan and deposit growth, supported by its relationship-driven model and expansion in the Bay Area and nationwide agribusiness verticals. |
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