Five Star Bancorp (FSBC) Financial Statements & Analysis

Five Star Bancorp (FSBC) Income Statement

Five Star Bancorp reported revenue of $255.47M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 104.4% from $124.96M a year earlier. Net income was $61.61M, up 34.9% year over year, a net margin of 24.1%. Gross margin was 58.2% and operating margin 32.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $74.20M, up 107.1% from the same quarter a year earlier.

Five Star Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Five Star Bancorp income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	255.47	124.96	114.39	123.79	87.82	82.96	69.63	0.03	7.16
Cost of Revenue	106.73	94.19	67.50	21.55	5.67	18.18	17.14	0.00	0.00
Gross Profit	148.74	118.01	113.20	102.24	82.15	64.78	52.50	0.03	7.16
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	40.67	35.76	11.21	25.33	21.83	18.32	14.40	6.61	6.10
Operating Expenses	65.01	53.29	46.58	39.38	35.00	27.53	22.14	6.61	6.10
Operating Income	83.73	64.72	66.62	62.86	47.15	37.26	30.36	0.62	1.14
Other Income/Expense
Interest Income	250.25	206.95	174.38	117.92	81.58	74.39	64.68	0.00	0.00
Interest Expense	97.03	87.24	63.50	14.85	3.97	9.18	11.64	2.78	2.16
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	83.73	64.72	66.62	62.86	47.15	37.26	30.36	0.62	1.14
Income Tax Expense	22.13	19.05	18.88	18.06	4.71	1.33	1.06	0.41	0.29
Net Income	61.61	45.67	47.73	44.80	42.44	35.93	29.30	0.21	0.85
Net Income - Continuous Operations	61.61	45.67	47.73	44.80	42.44	35.93	29.30	0.21	0.85
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	86.78	66.60	1.61	64.49	47.76	37.72	30.79	0.00	0.00
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	3.05	1.88	1.61	1.64	0.61	0.46	0.43	0.34	-0.13
Earnings Per Share
Basic EPS	3.00	2.00	3.00	3.00	3.00	2.00	16.00	-	-
Diluted EPS	3.00	2.00	3.00	3.00	3.00	2.00	16.00	-	-
Basic Shares Outstanding	21.22	20.15	17.17	17.13	14.97	16.27	1.85	1.90	1.91
Diluted Shares Outstanding	21.27	20.21	17.19	17.17	15.00	16.27	1.85	1.90	1.91

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Five Star Bancorp Financial Statements

What was Five Star Bancorp's revenue in fiscal 2025?

Five Star Bancorp reported revenue of $255.47M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 104.4% from $124.96M a year earlier.

Is Five Star Bancorp profitable?

Yes. Five Star Bancorp earned net income of $61.61M in fiscal 2025, a net margin of 24.1%. In fiscal 2024 it earned $45.67M.

What is Five Star Bancorp's operating margin?

Five Star Bancorp's operating income was $83.73M on revenue of $255.47M in fiscal 2025, an operating margin of 32.8%, compared with 51.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition