All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2025-06-09.
From the record
Five Star Bancorp's filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-06-09) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+27.3% a year over 6 filed years; profitable in 6 of 6.
From the record
Five Star Bancorp's 6 filed years say what it did: revenue went from $74 million in fiscal 2020 to $249 million in fiscal 2025, up 27.3% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 6 of 6 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 7.4% a year. 28% of cash flow returned. Insiders: 16 sales, 7 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Five Star Bancorp's diluted share count grew about 7.4% a year, and dividends and buybacks returned about 28% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales and 7 purchases of their own stock on the open market in the year to 2026-11-09, buying about $6 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 14%: 14¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Five Star Bancorp earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 5.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 34% of 155 in its family; net margin 24.7%.
From the record
Five Star Bancorp's standing among 155 graded names in its industry family: revenue of $249 million in fiscal 2025 ranks in the bottom 42% by size; a net margin of 24.7% ranks in the top 33%; revenue growth of 28.3% a year over the last 3 filed years ranks in the top 11% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 34% of 150 in its family for leadership; chief executive since 2021.
From the record
Five Star Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Beckwith, James Eugene (President & CEO, as filed), filing under that title since 2021-05-04, 5.5 years (bottom 34% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (bottom 26%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 43%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 18% of 142 in its family for room to expand.
From the record
Five Star Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $507 million against no long-term debt tagged leaves 10.7% of its assets as net cash, top 10% of its family; cash from operations less capital spending is 28.7% of revenue (top 27%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 33% of 152 in its family for growth drivers.
From the record
Five Star Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 28.3% a year over the last three filed years against 27.3% over all 6, speeding up (bottom 32% of its family); the newest year grew 20.3% (top 8%); capital spending grew 35.5% a year (top 22%) (its annual reports). Five Star Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 36% of 150 in its family for expectations against reality.
From the record
Five Star Bancorp's newest year against its own record: revenue of $249 million in fiscal 2025 came in 9.2% below the $274 million its prior three years' pace pointed to (top 30% of its family); net income of $62 million against a prior three-year average of $46 million (top 19%); a net margin of 24.7% against 29.1% before (bottom 40%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made