Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote depo… Read more
Five Star Bancorp (FSBC) - Net Assets
Latest net assets as of December 2025: $445.83 Million USD
Based on the latest financial reports, Five Star Bancorp (FSBC) has net assets worth $445.83 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.75 Billion) and total liabilities ($4.31 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $445.83 Million |
| % of Total Assets | 9.38% |
| Annual Growth Rate | 34.07% |
| 5-Year Change | 89.68% |
| 10-Year Change | N/A |
| Growth Volatility | 74.01 |
Five Star Bancorp - Net Assets Trend (2016–2025)
This chart illustrates how Five Star Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Five Star Bancorp (2016–2025)
The table below shows the annual net assets of Five Star Bancorp from 2016 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $445.83 Million | +12.41% |
| 2024-12-31 | $396.62 Million | +38.79% |
| 2023-12-31 | $285.77 Million | +13.03% |
| 2022-12-31 | $252.82 Million | +7.56% |
| 2021-12-31 | $235.05 Million | +75.70% |
| 2020-12-31 | $133.78 Million | +22.87% |
| 2019-12-31 | $108.88 Million | +245.50% |
| 2018-12-31 | $31.51 Million | +1.47% |
| 2017-12-31 | $31.06 Million | -2.52% |
| 2016-12-31 | $31.86 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Five Star Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 848.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $150.99 Million | 33.87% |
| Common Stock | $303.99 Million | 68.18% |
| Other Comprehensive Income | $-9.14 Million | -2.05% |
| Total Equity | $445.83 Million | 100.00% |
Five Star Bancorp Competitors by Market Cap
The table below lists competitors of Five Star Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sterlite Technologies Limited
NSE:STLTECH
|
$539.97 Million |
|
Chow Sang Sang Holdings International Limited
F:CJW1
|
$540.05 Million |
|
WELL HEALTH TECHS
F:W7V
|
$540.14 Million |
|
BFF Bank S.p.A
F:2BF
|
$540.23 Million |
|
Shanghai Industrial Development Co Ltd
SHG:600748
|
$539.93 Million |
|
Olvi Oyj A
HE:OLVAS
|
$539.83 Million |
|
Inhibrx Biosciences, Inc.
NASDAQ:INBX
|
$539.70 Million |
|
GZ Port
SHG:601228
|
$539.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Five Star Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 396,624,000 to 445,832,000, a change of 49,208,000 (12.4%).
- Net income of 61,606,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,228,000.
- Other factors decreased equity by 15,626,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $61.61 Million | +13.82% |
| Other Comprehensive Income | $3.23 Million | +0.72% |
| Other Changes | $-15.63 Million | -3.5% |
| Total Change | $- | 12.41% |
Book Value vs Market Value Analysis
This analysis compares Five Star Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.75x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.19x to 1.75x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | $16.70 | $36.64 | x |
| 2017-12-31 | $16.29 | $36.64 | x |
| 2018-12-31 | $16.59 | $36.64 | x |
| 2019-12-31 | $58.71 | $36.64 | x |
| 2020-12-31 | $8.22 | $36.64 | x |
| 2021-12-31 | $15.67 | $36.64 | x |
| 2022-12-31 | $14.73 | $36.64 | x |
| 2023-12-31 | $16.63 | $36.64 | x |
| 2024-12-31 | $19.63 | $36.64 | x |
| 2025-12-31 | $20.96 | $36.64 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Five Star Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.82%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.11%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.67x
- Recent ROE (13.82%) is above the historical average (13.66%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 1.61% | 7.41% | 0.03x | 8.59x | $-2.67 Million |
| 2017 | 2.75% | 11.93% | 0.02x | 10.12x | $-2.25 Million |
| 2018 | 0.67% | 703.33% | 0.00x | 10.42x | $-2.94 Million |
| 2019 | 26.91% | 42.08% | 0.05x | 13.59x | $18.41 Million |
| 2020 | 26.86% | 43.31% | 0.04x | 14.60x | $22.55 Million |
| 2021 | 18.06% | 48.33% | 0.03x | 10.88x | $18.94 Million |
| 2022 | 17.72% | 36.19% | 0.04x | 12.76x | $19.52 Million |
| 2023 | 16.70% | 635.52% | 0.00x | 12.57x | $19.16 Million |
| 2024 | 11.51% | 21.52% | 0.05x | 10.22x | $6.01 Million |
| 2025 | 13.82% | 24.11% | 0.05x | 10.67x | $17.02 Million |
Industry Comparison
This section compares Five Star Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Five Star Bancorp (FSBC) | $445.83 Million | 1.61% | 9.67x | $539.95 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |