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FSBC FIVE STAR BANCORP

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$1.1bn
Revenue TTM
$178m
Net income TTM
$72m
Free cash flow
$80m
Composite score
52.6
Sector rank
#1976

Valuation

P / E
15.3
EV / EBITDA
EV / sales
6.2
FCF yield
7.30%
Earnings yield vs 10-yr
1.80pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
40.5%
EBITDA margin
ROE
15.2%
ROIC
Revenue growth
26.5%

Insider activity, last 90 days

Net open-market
$6.28m
Buyers
6
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Total deposits increased by $598.3 million, or 14.24%, from $4.2 billion at December 31, 2025 to $4.8 billion at June 30, 2026. Non-interest-bearing deposits increased by $89.9 million in the first six months of 2026 to $1.2 billion, and represented 24.47% of total deposits at June 30, 2026, as compared to 25.82% of total deposits at December 31, 2025. Total assets were $5.4 billion at June 30, 2026, representing a $622.2 million, or 13.09%, increase compared to $4.8 billion at December 31, 2025. • Loans. Total loans held for investment were $4.5 billion at June 30, 2026, as compared to $4.1 billion at December 31, 2025, an increase of $444.8 million, or 10.91%. …FIVE STAR BANCORP, 10-Q, period ended 2026-06-30, filed 2026-08-06

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