Five Star Bancorp FSBC NASDAQ

Five Star Bancorp (FSBC) generated $72.61M in operating cash flow for fiscal year 2025. After capital expenditures of $1.2M, free cash flow was $71.42M.

Free cash flow margin was 28% of revenue. Cash conversion ratio was 1.18x, indicating earnings are backed by cash.

The company returned $17.09M in dividends to shareholders during the period.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (49/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (85/100) — Cash conversion ratio was 1.18x confirms earnings are backed by real cash flow

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