Five Star Bancorp

FSBC

FSBCFive Star Bancorp US flag

NASDAQ Global Select

49.33

USD

+0.29

- -

1.05BMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	58	74	84	109	117	125	157
+ Sales & Services Revenue	58	74	84	109	117	125	157
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	14	18	22	25	31	36	43
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-14	-18	-22	-25	-31	-36	-43
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-30	-37	-47	-63	-67	-65	-84
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-30	-37	-47	-63	-67	-65	-84
Pretax Income	30	37	47	63	67	65	84
- Income Tax Expense (Benefit)	1	1	5	18	19	19	22
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	29	36	42	45	48	46	62
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	29	36	42	45	48	46	62
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	29	36	42	45	48	46	62
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	29	36	42	45	48	46	62
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	1	2	2	2	2
EBITDA Margin (%)	0.75	0.62	0.72	1.5	1.38	1.5	1.43
EBITA	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	50.52	48.7	50.62	41.12	40.73	36.55	39.24
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	1.62	1.62	3.47	0.89	0.75	0.81	0.8
Depreciation Expense	- -	- -	1	2	2	2	2
Basic Weighted Avg Shares	16	16	15	17	17	20	21
Basic EPS, GAAP	1.8	2.21	2.83	2.62	2.78	2.27	2.9
Basic EPS from Cont Ops	1.8	2.21	2.83	2.62	2.78	2.27	2.9
Diluted Weighted Avg Shares	16	16	15	17	17	20	21
Diluted EPS, GAAP	1.8	2.21	2.83	2.61	2.78	2.26	2.9
Diluted EPS from Cont Ops	1.8	2.21	2.83	2.61	2.78	2.26	2.9

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	275	429	589	386	436	418	565
+ Cash & Cash Equivalents	197	314	440	270	327	356	507
+ ST Investments	77	115	149	116	108	61	58
+ Accounts & Notes Receiv	3	5	5	7	23	24	34
+ Accounts Receivable, Net	3	5	5	7	9	10	12
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	14	14	22
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-278	-435	-594	-393	-458	-442	-599
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	1	2	2	6	7	8	13
+ Property, Plant & Equip	4	5	5	10	12	13	19
- Accumulated Depreciation	3	3	4	4	5	5	6
+ LT Investments & Receivables	89	127	159	125	118	110	109
+ LT Investments	89	127	159	125	118	110	109
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-90	-128	-161	-131	-125	-118	-122
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-90	-128	-161	-131	-125	-118	-122
Total Assets	1,480	1,954	2,557	3,227	3,593	4,053	4,755
+ Payables & Accruals	6	8	7	14	- -	- -	- -
+ Accounts Payable	6	8	7	14	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-6	-8	-7	-14	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-6	-8	-7	-14	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	53	28	28	178	249	81	86
+ LT Borrowings	53	28	28	174	244	74	74
+ LT Finance Leases	- -	- -	- -	4	6	7	12
+ Other LT Liabilities	-53	-28	-28	-178	-249	-81	-86
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-53	-28	-28	-178	-249	-81	-86
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,371	1,820	2,322	2,974	3,307	3,657	4,309
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	96	110	218	220	221	303	304
+ Common Stock	96	110	218	220	221	303	304
+ Additional Paid in Capital	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	13	22	17	47	77	106	151
+ Other Equity	- -	1	-1	-13	-12	-12	-9
Equity Before Minority Interest	109	134	235	253	286	397	446
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	109	134	235	253	286	397	446
Total Liabilities & Equity	1,480	1,954	2,557	3,227	3,593	4,053	4,755
Shares Outstanding	16	16	17	17	17	21	21
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	4	6	7	12
Net Debt	-144	-286	-411	-96	-84	-283	-433
Net Debt to Equity	-132.31	-213.7	-175.03	-38.06	-29.28	-71.24	-97.1
Tangible Common Equity Ratio	7.36	6.85	9.19	7.83	7.95	9.79	9.38
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	29	36	42	45	48	46	62
+ Depreciation & Amortization	- -	- -	1	2	2	2	2
+ Non-Cash Items	1	17	-11	-2	-8	5	7
+ Stock-Based Compensation	1	- -	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	-4	-2	-1	- -	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	17	-8	-1	-8	4	6
+ Chg in Non-Cash Work Cap	-2	-2	-3	1	-3	-1	2
+ (Inc) Dec in Accts Receiv	-2	-4	-3	-5	-4	3	-3
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	2	- -	7	2	-3	6
+ Inc (Dec) in Other	- -	- -	- -	-1	-1	-1	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	29	51	29	46	39	52	73
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-1	- -	-1	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	-1	- -	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	23	13	111	- -	- -	81	- -
+ Increase in Capital Stock	23	13	111	- -	- -	81	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-6	-35	-34	15	10	7	6
+ Dec in LT Investment	29	63	66	17	13	10	10
+ Inc in LT Investment	-35	-98	-100	-3	-3	-3	-3
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-224	-337	-420	-851	-289	-453	-549
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-230	-373	-455	-837	-279	-447	-544
+ Dividends Paid	-26	-26	-52	-15	-13	-16	-17
+ Net Cash From Debt	29	-25	- -	146	70	-170	- -
+ Cash From Debt	29	- -	- -	175	70	- -	- -
+ Repayments of Debt	- -	-25	- -	-29	- -	-170	- -
+ Other Financing Activities	150	472	502	495	245	531	643
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	176	434	561	626	302	426	626
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-26	113	135	-165	62	31	155
EBITDA	- -	- -	1	2	2	2	2
EBITDA Margin (%)	0.75	0.62	0.72	1.5	1.38	1.5	1.43
Free Cash Flow	28	51	28	45	38	51	71
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	28	51	28	45	38	51	71
Free Cash Flow to Equity	- -	26	28	192	108	-119	71
Free Cash Flow per Basic Share	1.75	3.11	1.87	2.66	2.23	2.54	3.36
Price/Free Cash Flow	9.61	4.15	15.31	10.07	11.37	11.6	10.31
Cash Flow to Net Income	0.99	1.43	0.68	1.03	0.82	1.13	1.18
Capital Expenditures	-1	-1	-1	- -	-1	-1	-1