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Five Star Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$26.1M in Q3 2026 · $88.1M over twelve months

Operating cash flow$26.6M
Capital spending−$448K
Free cash flow+$26.1M
Cash / net income1.2×

Analysis

In Q3 2026, Five Star Bancorp generated $26.6M of operating cash flow and spent $448K on capital projects, leaving free cash flow of $26.1M. That is $7.6M more than in Q3 2025 ($18.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $89.8M; the largest uses were other investing ($819M), dividends ($21.1M), capital spending ($1.7M); besides operations, cash came from other financing ($721M), shares issued ($130M); the cash balance rose by $99.0M.

Operating cash flow was $26.6M against net income of $21.9M — 1.2× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$600K, deferred taxes +$10K.

Free cash flow

Five Star Bancorp: free cash flow by quarterFive Star Bancorp: free cash flow by quarter$17.9MQ4 2024$15.4MQ1 2025$17.5MQ2 2025$18.6MQ3 2025$19.9MQ4 2025$18.8MQ1 2026$23.2MQ2 2026$26.1MQ3 2026
Operating cash flow less capital spending.
Five Star Bancorp: operating cash flow against capital spendingFive Star Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$18.0M$106KQ4 2024$15.5M$100KQ1 2025$17.8M$244KQ2 2025$18.8M$215KQ3 2025$20.6M$638KQ4 2025$18.9M$168KQ1 2026$23.7M$441KQ2 2026$26.6M$448KQ3 2026
Latest (Q3 2026): Operating cash flow $26.6M, Capital spending $448K.

Capital allocation, year by year

Five Star Bancorp: where the cash came from (up) and went (down), by fiscal yearFive Star Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingDividendsFY2021: Operating cash flow $28.7MFY2021: Shares issued $111MFY2021: Capital spending −$717KFY2021: Dividends −$51.9M$140MFY2021FY2022: Operating cash flow $46.0MFY2022: Net borrowing $175MFY2022: Capital spending −$481KFY2022: Dividends −$15.3M$221MFY2022FY2023: Operating cash flow $38.9MFY2023: Net borrowing $70.0MFY2023: Capital spending −$653KFY2023: Dividends −$12.9M$109MFY2023FY2024: Operating cash flow $51.8MFY2024: Net borrowing −$170MFY2024: Shares issued $80.9MFY2024: Capital spending −$628KFY2024: Dividends −$16.2M$133MFY2024FY2025: Operating cash flow $72.6MFY2025: Capital spending −$1.2MFY2025: Dividends −$17.1M$72.6MFY2025
Over these 5 years operating cash flow totalled $238M; the largest uses were net borrowing ($170M) and dividends ($114M). Cash-flow statements as filed.

Where the cash came from and went

Five Star Bancorp: sources (+) and uses (−) of cash, Q3 2026Five Star Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$181MOther financing$155MOperating cash flow$26.6MDividends−$6.1MCash drawn (+) / kept (−)$5.6MCapital spending−$448K
Five Star Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Five Star Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$819MOther financing$721MShares issued$130MCash drawn (+) / kept (−)−$99.0MOperating cash flow$89.8MDividends−$21.1MCapital spending−$1.7M

From profit to cash

Five Star Bancorp: net income to operating cash flow, Q3 2026Five Star Bancorp: net income to operating cash flow, Q3 2026Net income$21.9MStock-based pay$600KDeferred taxes$10KOperating cash flow$26.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$26.6M−$448K−$6.1M$5.6M$26.1M
Q2 2026$23.7M−$441K−$5.3M−$40.7M$23.2M
Q1 2026$18.9M−$168K−$5.3M−$138M$18.8M
Q4 2025$20.6M−$638K−$4.3M$73.6M$19.9M
Q3 2025$18.8M−$215K−$4.3M−$96.6M$18.6M
Q2 2025$17.8M−$244K−$4.3M−$31.2M$17.5M
Q1 2025$15.5M−$100K−$4.3M−$100M$15.4M
Q4 2024$18.0M−$106K−$4.3M−$101M$17.9M

Five Star Bancorp: income statement and cash flow

Five Star Bancorp, Q3 2026: revenue $52.6M (+27% year over year), operating margin 56.1%. The chart follows the revenue to costs, profit and cash.

Five Star Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.