FSBCFIVE STAR BANCORP
State Commercial Banks
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear118% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear24% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $42M | $45M | $48M | $46M | $62M | 35% |
| Operating cash flow | $29M | $46M | $39M | $52M | $73M | 40% |
| Capex | $717K | $481K | $653K | $628K | $1M | 91% |
| Stock-based comp | $1M | $1M | $962K | $1M | $1M | 26% |
| Dividends | $52M | $15M | $13M | $16M | $17M | 5.2% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $96K · 2
- Net
- −$96K
Pay vs performance
No pay-versus-performance disclosure yet.