Five Star Bancorp (Five Star Bancorp) Debt-to-Equity : 0.87 (As of Dec. 2023)

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What is Five Star Bancorp Debt-to-Equity?

Five Star Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.0 Mil. Five Star Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $249.4 Mil. Five Star Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $285.8 Mil. Five Star Bancorp's debt to equity for the quarter that ended in Dec. 2023 was 0.87.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

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

FSBC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.49 Max: 0.87
Current: 0.87

During the past 5 years, the highest Debt-to-Equity Ratio of Five Star Bancorp was 0.87. The lowest was 0.12. And the median was 0.49.

FSBC's Debt-to-Equity is ranked worse than
57.82% of 1394 companies
in the Banks industry
Industry Median: 0.7 vs FSBC: 0.87

Five Star Bancorp Debt-to-Equity Historical Data

The historical data trend for Five Star Bancorp's Debt-to-Equity 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.

* Premium members only.

Five Star Bancorp Debt-to-Equity Chart

Five Star Bancorp Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

0.49

0.21

0.12

0.70

0.87

Five Star Bancorp Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial												0.70	0.76	0.67	0.62	0.87

Competitive Comparison of Five Star Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Five Star Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

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

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

Five Star Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	249.352)	/	285.774
	=	0.87

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	249.352)	/	285.774
	=	0.87

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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Five Star Bancorp Debt-to-Equity 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 » Debt-to-Equity

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