Five Star Bancorp

FSBCNASDAQFinancial Services● Active

$43.41

+$0.39(+0.91%)

Market Cap$927938802

P/E Ratio—

52W High$43.61

52W Low$26.2

Avg Volume94K

Open$43.10

Beta0.54

Free Cash Flow Financials Revenue

Five Star Bancorp (FSBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FSBC · free cash flow · updated Jun 8, 2026

Core FCF metrics

FSBC · FCF · TTM · margin & CAGR

Free cash flow was $71.4M for FY2025 (fiscal year ending 2025-12-31), up 39.6% year-over-year The FCF margin was 27.9%. Five-year CAGR stands at +7.1%.

FY2025 Free Cash Flow$71.4M▲ +39.6% YoY

Trailing 12M (TTM)$74.8Mtrailing 4 quarters sum

FCF Margin27.9%$71.4M ÷ revenue

3-Year CAGR+16.2%FY2022 → FY2025

5-Year CAGR+7.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FSBC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$72.6M(1M)$71.4M▲ +39.6%27.9%

FY2024$51.8M(1M)$51.2M▲ +33.7%24.1%

FY2023$38.9M(1M)$38.3M▼ 15.9%21.2%

FY2022$46.0M(0M)$45.5M▲ +62.8%36.8%

FY2021$28.7M(1M)$27.9M▼ 44.8%31.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FSBC · P/FCF · FCF yield · FCF per share

Five Star Bancorp (FSBC) trades at a FCF yield of 8.06% and a price-to-free-cash-flow ratio of 12.3x. FCF per share stands at $3.52, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.06%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.52

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x12.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FSBC · cash flow statement · operating / investing / financing

For FY2025, Five Star Bancorp generated $72.6M in operating cash flow and spent 1M in capital expenditures, yielding $71.4M in free cash flow.

Operating Activities

+$72.6M

Cash from core business operations

2025-12-31

Investing Activities

−$544.1M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$626.0M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($72.6M) − |CapEx| (1M) = FCF ($71.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FSBC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Five Star BancorpYOU

FSBC

$71.4M+39.6%28.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Five Star Bancorp (FSBC) reported free cash flow of $71.4M for FY2025 (fiscal year ending 2025-12-31), up 39.6% year-over-year. The FCF margin was 27.9%.

Based on available data, Five Star Bancorp has maintained positive free cash flow for at least 8 fiscal year(s). FCF peaked at $71.4M in FY2025. The 5-year CAGR stands at +7.1%.

Five Star Bancorp's FCF yield is 8.06% and price-to-FCF ratio is 12.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FSBC free cash flow · 8 questions

Five Star Bancorp free cash flow was $71.4M for FY2025, up 39.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $74.8M.

FSBC free cash flowFSBC FCFFSBC FCF 2025FSBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Five Star Bancorp · Five Star Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026