Five Star Bancorp FSBC NASDAQ

Five Star Bancorp (FSBC) reported total assets of $4.75B and total liabilities of $4.31B for fiscal year 2025, resulting in total equity of $445.83M.

The company held $567.57M in cash and short-term investments. Total debt stood at $97.79M, with net debt of $-375.09M. The Debt-to-Equity (D/E) ratio was 0.22 (conservative).

Current ratio is 22.99, indicating strong short-term liquidity. Interest coverage is 0.9x (weak).

Criteria supported by this page:

• HEALTH (67/100, Partial) — some metrics are adequate but not all reach ideal thresholds
• MOAT (49/100) — Total assets $4.75B and equity $445.83M support the company's competitive scale
• VALUE (71/100) — Debt-to-Equity 0.22 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 76/100 with 5/7 criteria passed.

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