FIVE STAR BANCORP
FSBCNasdaqFinancials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $61.6M | $45.7M | $47.7M | $44.8M | $42.4M | $35.9M |
| Total assets | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B |
| Total liabilities | $4.31B | $3.66B | $3.31B | $2.97B | $2.32B | $1.82B |
| Equity | $445.8M | $396.6M | $285.8M | $252.8M | $235.0M | $133.8M |
| EPS (diluted) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 |
| Shares out. | 21.3M | 17.4M | 17.3M | 17.2M | 17.2M | 11.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 13.8%
- Return on assets
- 1.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.6%
- Debt / equity
- 9.67×
- Book value / share
- $20.90
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 34.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Oates-Fairrington Kathryn RuthPassive (13G)Apr 2, 2025
- Oates Administrative TrustPassive (13G)Apr 2, 2025
- Davis Partnership, LpPassive (13G)Feb 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 383,284 | 4.7 | +11.0% |
| Apr 30, 2026 | 345,430 | 2.8 | -9.1% |
| Apr 15, 2026 | 380,126 | 5.5 | +19.8% |
| Mar 31, 2026 | 317,373 | 3.8 | -4.0% |
| Mar 13, 2026 | 330,411 | 3.8 | -13.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 28, 2026
- Results of operations · Regulation FD disclosureApr 28, 2026
- Regulation FD disclosureApr 20, 2026
- Regulation FD disclosureApr 15, 2026
- Results of operations · Regulation FD disclosureJan 27, 2026
- Regulation FD disclosureJan 16, 2026
- Regulation FD disclosureJan 13, 2026
- Director / officer changeNov 5, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.