Five Star Bancorp

NASDAQ•FSBC

CEO: Mr. James Eugene Beckwith

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2021-05-04

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 in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Contact Information

3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, 95670, United States

916-626-5000

www.fivestarbank.com

Market Cap

$779.80M

P/E (TTM)

12.6

14.5

Dividend Yield

2.3%

52W High

$42.26

52W Low

$22.22

52W Range

71%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 9-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2017-2025

Financial Dashboard

Q4 2025 Data

Revenue

$67.82M+14.78%

4-Quarter Trend

EPS

$0.83+31.75%

4-Quarter Trend

FCF

$19.92M-100.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net income reached $61.6M in 2025, up significantly from $45.7M in 2024, driven by robust net interest income performance.

Net Interest Margin Expansion Net Interest Margin (NIM) expanded 23 basis points to 3.55% in 2025, resulting from higher average loan balances and improved yields.

Significant Asset and Loan Growth Total assets grew 17.3% to $4.75B by year-end 2025, supported by $542.2M in net loan originations and deposit growth.

Robust Capital Adequacy The Bank maintains strong capital levels; CET1 ratio was 11.89%, significantly exceeding the 6.50% minimum requirement.

Risk Factors

Rising Credit Quality Concerns Nonperforming Loans (NPL) ratio increased to 0.08% from 0.05%, primarily due to downgrades in the commercial real estate portfolio.

Increased Provisioning Under CECL Provision for credit losses rose 39.6% to $9.7M, reflecting loan growth and higher expected loss rates assessed annually.

High CRE Concentration Risk The loan portfolio remains highly concentrated, with Commercial Real Estate loans comprising 81.08% of total loans held for investment.

Interest Rate Repricing Mismatch A significant portion of interest-bearing liabilities reprice faster than assets, creating potential adverse impact if rate movements are unfavorable.

Outlook

NIM Moderation Anticipated Management projects a slight negative impact on net interest income over the next year due to a steepening yield curve expectations.

Focus on Organic Market Growth Strategy centers on organic growth within Northern California, deepening client relationships, and expanding the core deposit base.

Continued Technology Investment Significant ongoing investment in IT systems and infrastructure planned to support future growth and enhance overall customer experience.

Evolving Regulatory Environment The highly regulated industry requires continuous management resources to adapt to evolving legislative changes and supervisory scrutiny.

Peer Comparison

Revenue (TTM)

EFSC

$912.39M

+12.0%

BFST

$511.93M

+11.8%

HAFC

$444.43M

+3.5%

Gross Margin (Latest Quarter)

CCBG

88.4%

+2.5pp

CPF

82.0%

+10.7pp

HBT

81.4%

+3.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
EFSC	$1.97B	9.8	10.3%	2.9%
MOFG	$1.02B	17.4	10.0%	1.6%
CFFN	$909.55M	12.2	7.0%	18.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

5.3%

Steady Growth

4Q Net Income CAGR

10.4%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:$0.79

Revenue:$44.46M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data