Five Star Bancorp
Description
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.
About
CEO
Mr. James Eugene Beckwith
Employees
180
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
3100 Zinfandel Drive, Rancho Cordova, CA 95670, United States
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Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 27, 2026 | — | — | — | — |
| Oct 28, 2025 | — | — | — | — |
| Jul 23, 2025 | — | — | — | — |
| Apr 29, 2025 | — | — | — | — |
| Jan 28, 2025 | 0.57 | 0.63 | 0.06 | 10.53% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 4 | 4 | 4 | 4 |
| Average estimate | 0.59 | 0.64 | 2.62 | 3.08 |
| Low estimate | 0.56 | 0.62 | 2.55 | 3.00 |
| High estimate | 0.61 | 0.66 | 2.70 | 3.15 |
| Last year EPS | 0.62 | 0.51 | 2.26 | 2.62 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
-4.840%
Next qtr. (Jun 2025)
25.000%
Current year (Dec 2025)
15.930%
Next year (Dec 2026)
17.560%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 117.20M | 108.94M | 83.85M | 73.78M | 58.00M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 31.06M | 25.33M | 21.83M | 18.32M | 14.40M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 66.62M | 62.86M | 47.15M | 37.26M | 30.36M |
| Tax provision | 18.88M | 18.06M | 4.71M | 1.33M | 1.06M |
| Net income | 47.73M | 44.80M | 42.44M | 35.93M | 29.30M |
| Basic EPS | 2.78 | 2.61 | 2.83 | 2.21 | 1.80 |
| Diluted EPS | 2.78 | 2.61 | 2.83 | 2.21 | 1.80 |
| Basic average shares | 17.17M | 17.13M | 14.97M | 16.27M | 16.27M |
| Diluted average shares | 17.17M | 17.13M | 14.97M | 16.27M | 16.27M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 47.73M | 44.80M | 42.44M | 35.93M | 29.30M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 26.99M | 32.56M | 136.07M | 46.03M | 28.86M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 327.43M | 269.84M | 439.79M | 314.20M | 197.31M |
| Other short term investments | 108.08M | 115.99M | 148.81M | 114.95M | 77.20M |
| Accounts receivable | 8.97M | 7.45M | 5.33M | 5.42M | 3.48M |
| Other receivables | 13.61M | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 5.41M | 3.98M | — | — | — |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | 4.11M | 3.76M | 3.31M | 3.06M | 2.50M |
| Construction in progress | — | — | — | — | — |
| Leases | 2.13M | 1.99M | 1.97M | 2.03M | 1.76M |
| Accumulated depreciation | -4.74M | -4.15M | -3.51M | -3.42M | -2.96M |
| Goodwill | — | — | — | — | — |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | — | — | — | — | — |
| Investments and advances | 117.96M | 125.42M | 159.49M | 126.69M | 89.14M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | 14.48M | 7.44M | 7.67M | 5.98M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 249.35M | 177.85M | 28.39M | 28.32M | 53.25M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 220.51M | 219.54M | 218.44M | 110.08M | 96.11M |
| Retained earnings | 77.04M | 46.74M | 17.17M | 22.35M | 12.79M |
| Other shareholders equity | -11.77M | -13.45M | -566,000 | 1.35M | -26,000 |
| Total shareholders equity | 285.77M | 252.83M | 235.05M | 133.78M | 108.88M |
| Additional paid in capital | — | — | — | — | — |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 47.73M | 44.80M | 42.44M | 35.93M | 29.30M |
| Depreciation | 1.61M | 1.64M | 607,000 | 461,000 | 433,000 |
| Deferred Taxes | -897,000 | -1.94M | -4.00M | -143,000 | — |
| Stock-Based Compensation | 962,000 | 1.10M | 594,000 | 316,000 | 733,000 |
| Other Non-Cash Items | -12.46M | -7.75M | -6.16M | 12.22M | -2.63M |
| Accounts Receivable | -3.42M | -5.10M | -3.05M | -3.55M | -2.00M |
| Accounts Payable | 1.90M | 7.36M | -230,000 | 1.69M | 45,000 |
| Other Assets & Liabilities | — | — | — | — | — |
| Operating Cash Flow | 35.43M | 40.11M | 30.20M | 46.92M | 25.87M |
| Investing Activities | |||||
| Capital Expenditures | -653,000 | -481,000 | -717,000 | -833,000 | -508,000 |
| Net Intangibles | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — |
| Purchase of Investments | -2.56M | -2.64M | -99.69M | -97.57M | -34.87M |
| Sale of Investments | 12.71M | 17.15M | 65.83M | 62.52M | 29.20M |
| Investing Cash Flow | 1.05M | 6.75M | -37.37M | -38.03M | -11.89M |
| Financing Activities | |||||
| Long-Term Debt Issuance | 70.00M | 175.00M | — | — | 28.75M |
| Long-Term Debt Payments | — | -28.75M | — | -25.00M | — |
| Other Financing Charges | — | -1.45M | — | -25.00M | -9,000 |
| Financing Cash Flow | 57.06M | 129.50M | 59.30M | -62.97M | 25.18M |
| Other Cash Details | |||||
| End Cash Position | 321.58M | 259.99M | 425.33M | 290.49M | 177.37M |
| Income Tax Paid | 19.97M | 5.20M | 10.45M | 1.66M | 1.23M |
| Interest Paid | 61.85M | 1.35M | 4.51M | 9.71M | 11.44M |
| Free Cash Flow | 38.26M | 45.49M | 27.94M | 50.64M | 28.40M |
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