Financial Snapshot

Revenue
$149.2M
TTM
Gross Margin
Net Earnings
$43.15M
TTM
Current Assets
Current Liabilities
$23.24M
Q3 2024
Current Ratio
Total Assets
$3.887B
Q3 2024
Total Liabilities
$3.497B
Q3 2024
Book Value
$389.9M
Q3 2024
Cash
Q3 2024
P/E
16.33
Nov 14, 2024 EST
Free Cash Flow
$14.14M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019
Revenue $174.4M $117.9M $81.58M
YoY Change 47.88% 44.54%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $174.4M $117.9M $81.58M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.612M $649.0K $610.0K $460.0K $430.0K
YoY Change 148.38% 6.39% 32.61% 6.98%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $63.50M $14.85M $3.972M
YoY Change 327.68% 273.82%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income $66.62M $62.86M $47.15M $37.26M $30.36M
YoY Change 5.98% 33.31% 26.54% 22.73%
Income Tax $18.88M $18.06M $4.710M $1.330M $1.060M
% Of Pretax Income 28.34% 28.73% 9.99% 3.57% 3.49%
Net Earnings $47.73M $44.80M $42.44M $35.93M $29.30M
YoY Change 6.55% 5.56% 18.12% 22.63%
Net Earnings / Revenue 27.37% 37.99% 52.02%
Basic Earnings Per Share $2.78 $2.61 $2.83
Diluted Earnings Per Share $2.78 $2.61 $2.829M $2.208M $1.801M

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $6.907M $5.586M $1.800M $1.700M $1.300M
YoY Change 23.65% 210.33% 5.88% 30.77%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $6.801M $5.680M $5.700M $3.800M $3.000M
YoY Change 19.74% -0.35% 50.0% 26.67%
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $3.593B $3.227B $2.557B $1.954B $1.480B
YoY Change
Accounts Payable $31.10M $14.48M $7.400M $7.500M $5.800M
YoY Change 114.78% 95.69% -1.33% 29.31%
Accrued Expenses $5.603M $4.243M
YoY Change 32.05%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due $0.00 $0.00
YoY Change
Total Short-Term Liabilities $36.71M $18.72M $7.400M $7.500M $5.800M
YoY Change 96.04% 153.03% -1.33% 29.31%
Long-Term Debt $73.75M $73.61M $28.40M $28.30M $28.30M
YoY Change 0.19% 159.18% 0.35% 0.0%
Other Long-Term Liabilities $100.0K $100.0K
YoY Change 0.0%
Total Long-Term Liabilities $73.75M $73.61M $28.40M $28.40M $28.40M
YoY Change 0.19% 159.18% 0.0% 0.0%
Total Liabilities $3.307B $2.974B $2.322B $1.820B $1.371B
YoY Change 11.2% 28.11% 27.57% 32.75%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 17.17M shares 17.13M shares 14.97M shares
Diluted Shares Outstanding 17.19M shares 17.17M shares 15.00M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $704.81 Million

About Five Star Bancorp

Five Star Bancorp operates as a bank holding company. The company is headquartered in Rancho Cordova, California and currently employs 180 full-time employees. The company went IPO on 2021-05-05. The company provides range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through seven branch offices, the Internet, and its mobile banking application. The company offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans. The company also provides residential real estate and construction loans and consumer loans. The company offers a range of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. The company offers a range of deposit services, including debit cards, remote deposit capture, online banking, and direct deposit services.

Industry: State Commercial Banks Peers: Arrow Financial Corp Bank of Marin Bancorp Business First Bancshares Inc Equity Bancshares Inc Mercantile Bank Corp Metrocity Bankshares Inc PNC Financial Services Group Inc South Plains Financial Inc