Five Star Bancorp (Five Star Bancorp) Cash-to-Debt

: 1.31 (As of Dec. 2023)

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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Five Star Bancorp's cash to debt ratio for the quarter that ended in Dec. 2023 was 1.31.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Five Star Bancorp could pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Five Star Bancorp's Cash-to-Debt or its related term are showing as below:

FSBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.31 Med: 3.71 Max: 15.49
Current: 1.31

During the past 5 years, Five Star Bancorp's highest Cash to Debt Ratio was 15.49. The lowest was 1.31. And the median was 3.71.

FSBC's Cash-to-Debt is ranked better than
52.11% of 1447 companies
in the Banks industry
Industry Median: 1.23 vs FSBC: 1.31

Five Star Bancorp Cash-to-Debt Historical Data

The historical data trend for Five Star Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Five Star Bancorp Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

3.71

11.10

15.49

1.52

1.31

Five Star Bancorp Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt													1.52	1.80	1.72	1.96	1.31

Competitive Comparison

For the Banks - Regional subindustry, Five Star Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Five Star Bancorp Cash-to-Debt Distribution

For the Banks industry and Financial Services sector, Five Star Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Five Star Bancorp's Cash-to-Debt falls into.

Five Star Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Five Star Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	327.434	/	(0	+	249.352)
	=	1.31

Five Star Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	327.434	/	(0	+	249.352)
	=	1.31

Five Star Bancorp (NAS:FSBC) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Five Star Bancorp Cash-to-Debt Related Terms

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Five Star Bancorp (Five Star Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Five Star Bancorp (NAS:FSBC) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, USA, 95670

Website

https://www.fivestarbank.com

Five Star Bancorp is a California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals. It offers loan products like commercial real estate loans, commercial loans, commercial land and construction loans, and farmland loans and offers deposit products like money market accounts, non-interest-bearing accounts, and interest checking accounts.

Executives

Brett Levi Wait	officer: SVP & CIO	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
David John Lucchetti	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Robert Truxtun Perry-smith	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Leigh Ann White	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Shelley Ronan Wetton	officer: SVP & Chief Marketing Officer	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Donna Lucas	director	1215 K STREET, SUITE 1120, SACRAMENTO CA 95814
Michael Eugene Lee	officer: SVP & Chief Regulatory Officer	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Heather Christina Luck	officer: SVP & Chief Financial Officer	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Michael Anthony Rizzo	officer: SVP & Chief Banking Officer	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Lydia Ann Ramirez-medina	officer: SVP & COO & Chief DE&I Officer	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Shannon Deary-bell	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Kevin Francis Ramos	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Judson Teichert Riggs	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670
Randall E Reynoso	director	3189 LAND PARK DRIVE, SACRAMENTO CA 95818
David Frank Nickum	director	3100 ZINFANDEL DRIVE, SUITE 100, RANCHO CORDOVA CA 95670