XNASFSBC
Market cap623mUSD
Jan 14, Last price
29.25USD
1D
1.32%
1Q
-6.40%
IPO
20.17%
Name
Five Star Bancorp
Chart & Performance
P/E
13.06
P/S
5.32
EPS
2.24
Div Yield, %
2.08%
Shrs. gr., 5y
55.36%
Rev. gr., 5y
422.83%
Revenues
117m
+7.58%
Net income
48m
+6.55%
CFO
39m
-15.36%
Dividend
Aug 05, 20240.2 USD/sh
Earnings
May 16, 2025
Profile
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. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 117,199 7.58% | 108,940 29.93% | ||||||
Cost of revenue | 144,655 | 31,765 | ||||||
Unusual Expense (Income) | ||||||||
NOPBT | (27,456) | 77,175 | ||||||
NOPBT Margin | 70.84% | |||||||
Operating Taxes | 18,882 | 18,057 | ||||||
Tax Rate | 23.40% | |||||||
NOPAT | (46,338) | 59,118 | ||||||
Net income | 47,734 6.55% | 44,801 5.56% | ||||||
Dividends | (12,943) | (15,301) | ||||||
Dividend yield | 2.88% | 3.27% | ||||||
Proceeds from repurchase of equity | ||||||||
BB yield | ||||||||
| Debt | ||||||||
Debt current | 101,009 | |||||||
Long-term debt | 84,955 | 182,092 | ||||||
Deferred revenue | ||||||||
Other long-term liabilities | 3,227,999 | (163,368) | ||||||
Net debt | (146,521) | (222,471) | ||||||
| Cash flow | ||||||||
Cash from operating activities | 38,914 | 45,975 | ||||||
CAPEX | (2,654) | (481) | ||||||
Cash from investing activities | (279,278) | (836,922) | ||||||
Cash from financing activities | 301,949 | 625,609 | ||||||
FCF | 23,741 | (17,049) | ||||||
| Balance | ||||||||
Cash | 113,515 | 385,828 | ||||||
Long term investments | 117,961 | 119,744 | ||||||
Excess cash | 225,616 | 500,125 | ||||||
Stockholders' equity | 285,774 | 252,825 | ||||||
Invested Capital | 3,367,509 | 3,060,862 | ||||||
ROIC | 2.20% | |||||||
ROCE | 2.33% | |||||||
| EV | ||||||||
Common stock shares outstanding | 17,188 | 17,166 | ||||||
Price | 26.18 -3.89% | 27.24 -9.20% | ||||||
Market cap | 449,981 -3.77% | 467,591 3.94% | ||||||
EV | 303,460 | 245,120 | ||||||
EBITDA | (25,844) | 77,824 | ||||||
EV/EBITDA | 3.15 | |||||||
Interest | 63,502 | 14,848 | ||||||
Interest/NOPBT | 19.24% | |||||||