Five Star Bancorp

The grade, in three tenses

Headline 5.2 out of ten, 9 of 9 metrics filed: past 4.2 out of ten, present 5.1 out of ten, future 7.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 3.5 out of ten. 1 warning event since 2017; the latest 2025-06-09. 35th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 8.1 out of ten. +27.3% a year over 6 filed years; profitable in 6 of 6. 81st percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 2.6 out of ten. Share count grew 7.4% a year. 28% of cash flow returned. Insiders: 14 sales, 7 purchases. 26th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 4.7 out of ten. ROE 14%: 14¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 47th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 6.6 out of ten. top 34% of 155 in its family; net margin 24.7%. 66th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 3.6 out of ten. bottom 37% of 150 in its family for leadership; chief executive since 2021. 37th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 8.2 out of ten. top 18% of 142 in its family for room to expand. 82nd percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 6.7 out of ten. top 33% of 152 in its family for growth drivers. 67th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 6.4 out of ten. top 36% of 150 in its family for expectations against reality. 64th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 8-K, 2026-09-17. Filings on record since 2004. Read from EDGAR 2026-10-12.

Who runs it

Beckwith, James Eugene (President & CEO); Cooper, Clifford Aaron (EVP, Food & Ag President); Kurtze, Don Justin (EVP, SF Bay Area President); Luck, Heather Christina (EVP, Chief Financial Officer); Ramirez-Medina, Lydia Ann (EVP, Chief Operating Officer); Wait, Brett Levi (SVP, Chief Information Officer); Dalton, John William (SVP, Chief Credit Officer); Lee, Michael Eugene (SVP, Chief Regulatory Officer); Rizzo, Michael Anthony (EVP, Chief Banking Officer); Wetton, Shelley Ronan (SVP, Chief Marketing Officer); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

This file: Overview · Past · Present · Future · Filings · every company on file

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