Five Star Bancorp (FSBC) Income Statement
FSBC 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsFSBC revenue and net income
Where FSBC's revenue goes
2025Each bar shows an amount and its share of revenue. FSBC kept 24.1% of revenue as net income.
FSBC profit margins
FSBC growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +20.4% | +27.3% | +25.2% | — |
| Gross profit | +26.0% | +13.3% | +18.1% | — |
| Operating income | +29.4% | +10.0% | +17.6% | — |
| Net income | +34.9% | +11.2% | +11.4% | — |
| EPS (diluted) | +27.2% | +3.6% | +62.0% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
FSBC quarterly EPS vs estimates
Five Star Bancorp beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 26, 2026 (estimate $0.86).
FSBC income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $255.5M | $212.2M | $7.5M | $123.8M | $87.8M | $83.0M | $69.6M | $30,000 | $7.2M | $6.9M |
| Cost of revenue | $106.7M | $94.2M | $6.7M | $21.5M | $5.7M | $18.2M | $17.1M | $0 | $0 | $0 |
| Gross profit | $148.7M | $118.0M | $793,000 | $102.2M | $82.1M | $64.8M | $52.5M | $30,000 | $7.2M | $6.9M |
| Sales, general & admin | $40.7M | $35.8M | $29.3M | $25.3M | $21.8M | $18.3M | $14.4M | $6.6M | $6.1M | $5.4M |
| Total operating expenses | $65.0M | $53.3M | $2.4M | $39.4M | $35.0M | $27.5M | $22.1M | $6.6M | $6.1M | $5.4M |
| Operating income | $83.7M | $64.7M | −$1.6M | $62.9M | $47.1M | $37.3M | $30.4M | $618,000 | $1.1M | $649,000 |
| Interest income | $248.9M | $207.0M | $165.6M | $117.9M | $81.6M | $74.4M | $64.7M | — | — | — |
| Interest expense | $97.0M | $87.2M | $63.5M | $14.8M | $4.0M | $9.2M | $11.6M | $2.8M | $2.2M | $2.0M |
| Income before taxes | $83.7M | $64.7M | $66.6M | $62.9M | $47.1M | $37.3M | $30.4M | $618,000 | $1.1M | $649,000 |
| Income taxes | $22.1M | $19.1M | $18.9M | $18.1M | $4.7M | $1.3M | $1.1M | $407,000 | $285,000 | $136,000 |
| Net income | $61.6M | $45.7M | $47.7M | $44.8M | $42.4M | $35.9M | $29.3M | $211,000 | $854,000 | $513,000 |
| EBITDA | $86.8M | $66.6M | −$1.6M | $64.5M | $47.8M | $37.7M | $30.8M | $3.7M | $3.2M | $2.6M |
| EPS (diluted) | $2.90 | $2.28 | $2.78 | $2.61 | $2.23 | $0.26 | $0.72 | $0.11 | $0.45 | $0.27 |
| Gross margin | 58.2% | 55.6% | 10.6% | 82.6% | 93.5% | 78.1% | 75.4% | 100.0% | 100.0% | 100.0% |
| Operating margin | 32.8% | 30.5% | −21.4% | 50.8% | 53.7% | 44.9% | 43.6% | 2,060.0% | 15.9% | 9.4% |
| Net margin | 24.1% | 21.5% | 635.5% | 36.2% | 48.3% | 43.3% | 42.1% | 703.3% | 11.9% | 7.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $74.2M | $69.7M | $67.8M | $66.5M | $62.0M | $58.1M | $59.1M | $53.8M | $50.3M | $49.1M | $47.8M | $46.1M |
| Cost of revenue | $28.5M | $26.6M | $27.2M | $28.0M | $26.6M | $25.0M | $25.6M | $25.0M | $21.9M | $21.7M | $20.3M | $18.7M |
| Gross profit | $45.7M | $43.2M | $40.7M | $38.5M | $35.4M | $33.1M | $33.5M | $28.7M | $28.4M | $27.4M | $27.5M | $27.5M |
| Sales, general & admin | $14.2M | $12.3M | $10.9M | $11.0M | $10.2M | $10.1M | $9.6M | $9.0M | $8.8M | $8.4M | $8.3M | $7.8M |
| Total operating expenses | $19.6M | $18.1M | $17.7M | $16.3M | $15.3M | $14.7M | $14.2M | $13.5M | $13.2M | $12.4M | $12.4M | $11.7M |
| Operating income | $26.1M | $25.0M | $23.0M | $22.2M | $20.1M | $18.4M | $19.4M | $15.2M | $15.2M | $15.0M | $15.2M | $15.8M |
| Interest income | $72.3M | $67.3M | $66.4M | $64.8M | $60.6M | $57.1M | $57.7M | $52.7M | $49.0M | $47.5M | $46.2M | $45.1M |
| Interest expense | $26.2M | $23.9M | $24.4M | $25.5M | $24.1M | $23.1M | $24.3M | $22.3M | $19.9M | $20.8M | $19.5M | $17.6M |
| Income before taxes | $26.1M | $25.0M | $23.0M | $22.2M | $20.1M | $18.4M | $19.4M | $15.2M | $15.2M | $15.0M | $15.2M | $15.8M |
| Income taxes | $6.7M | $6.4M | $5.4M | $5.9M | $5.6M | $5.3M | $6.0M | $4.3M | $4.4M | $4.3M | $4.4M | $4.8M |
| Net income | $19.4M | $18.6M | $17.6M | $16.3M | $14.5M | $13.1M | $13.3M | $10.9M | $10.8M | $10.6M | $10.8M | $11.0M |
| EBITDA | $26.7M | $25.6M | $25.3M | $21.3M | $20.5M | $18.9M | $19.8M | $15.7M | $15.6M | $15.4M | $15.5M | $16.2M |
| EPS (diluted) | $0.91 | $0.87 | $0.83 | $0.77 | $0.68 | $0.62 | $0.63 | $0.52 | $0.51 | $0.62 | $0.63 | $0.64 |
| Gross margin | 61.6% | 61.9% | 60.0% | 57.9% | 57.1% | 57.0% | 56.8% | 53.4% | 56.4% | 55.8% | 57.6% | 59.5% |
| Operating margin | 35.2% | 35.9% | 33.9% | 33.4% | 32.4% | 31.6% | 32.8% | 28.4% | 30.1% | 30.5% | 31.7% | 34.2% |
| Net margin | 26.1% | 26.7% | 26.0% | 24.6% | 23.4% | 22.6% | 22.5% | 20.4% | 21.4% | 21.7% | 22.6% | 23.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in FSBC's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
FSBC financial results
In fiscal year 2025 (ended December 31, 2025), Five Star Bancorp reported revenue of $255.5 million, up 20.4% from the year before. It had net income of $61.6 million (up 34.9%), a net profit margin of 24.1%. Diluted earnings per share came to $2.90. Over five years revenue grew at an average rate of 25.2% a year.
See the FSBC stock overview for the latest quote and news, or the FSBC chart for price history and technical indicators.
FSBC income statement FAQ
What is Five Star Bancorp's annual revenue?
Five Star Bancorp reported total revenue of $255.5 million for fiscal year 2025, which ended on December 31, 2025. That was up 20.4% from $212.2 million the previous year.
Is Five Star Bancorp profitable?
Yes. Five Star Bancorp reported net income of $61.6 million in fiscal 2025, a net profit margin of 24.1%; its operating margin was 32.8%.
What is Five Star Bancorp's gross margin?
Five Star Bancorp's gross margin was 58.2% in fiscal 2025: for every $100 of revenue, Five Star Bancorp kept $58 after the direct cost of its products and services.
How fast is Five Star Bancorp growing?
Revenue grew 25.2% a year on average over the last five fiscal years, from $83.0 million to $255.5 million.
What are Five Star Bancorp's earnings per share?
Five Star Bancorp earned $2.90 per diluted share in fiscal 2025, compared with $2.28 a year earlier.
When will Five Star Bancorp report its next earnings?
Five Star Bancorp is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 after the market closes.
When does Five Star Bancorp's fiscal year end?
Five Star Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.