Five Star Bancorp (OQ:FSBC)

Sector:  Financials Industry:  Banks
 
See Regulatory Filings on SEC
Company Contact
Address: 3100 Zinfandel Drive, Suite 100
RANCHO CORDOVA CA 95670
Tel: N/A
Website: https://www.fivestarbank.com
IR: See website
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Key People
James E. Beckwith
President, Chief Executive Officer, Director
Heather Christina Luck
Chief Financial Officer, Senior Vice President
Lydia A. Ramirez
Chief Operations Officer, Senior Vice President, Chief DE&I Officer
Brett L. Wait
Senior Vice President, Chief Information Officer
Shelley Ronan Wetton
Senior Vice President, Chief Marketing Officer
John W. Dalton
Senior Vice President, Chief Credit Officer
Michael E. Lee
Senior Vice President, Chief Regulatory Officer
Michael Anthony Rizzo
Senior Vice President, Chief Banking Officer
 
Business Overview
Five Star Bancorp is a bank holding company that operates through its subsidiary, Five Star Bank (the Bank), a California state-chartered bank. It provides range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through seven branch offices, the Internet, and its mobile banking application. It offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans. It also provides residential real estate and construction loans and consumer loans. It offers a range of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. It offers a range of deposit services, including debit cards, remote deposit capture, online banking, and direct deposit services.
Financial Overview
For the three months ended 31 March 2024, Five Star Bancorp interest income increased 18% to $47.5M. Net interest income after loan loss provision decreased 9% to $25.8M. Net income decreased 19% to $10.6M. Net interest income after loan loss provision reflects Net Interest Margin - Total - % decrease of 16% to 3.14%, Net Interest Spread - Total - % decrease of 32% to 2.02%.
Employees: 180 as of Dec 31, 2023
Reporting Currency: U.S. Dollars
Enterprise value: $368.80M as of Mar 31, 2024
Annual revenue (TTM): $181.61M as of Mar 31, 2024
EBITDA (TTM): $69.88M as of Mar 31, 2024
Net annual income (TTM): $45.20M as of Mar 31, 2024
Free cash flow (TTM): $24.14M as of Mar 31, 2024
Net Debt Last Fiscal Year: N/A
Shares outstanding: 21,320,083 as of May 3, 2024
TTM: Trailing Twelve Months
EBITDA: Earnings Before Interest, Taxes, Depreciation, & Amortization

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