Five Star Bancorp — Earnings Quality Grade A
FSBC · Financial Services
Strong financial health
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 28 days, change -2 days YoY
AR growth 15.7% vs revenue growth 25.7%
Revenue 25.7%, CFFO 40.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 90.6% is >2x revenue growth 25.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.18. Profits backed by cash
FCF $0.1B, FCF/NI = 1.16
Accruals ratio = -0.2%. Low accruals
Cash $0.5B covers debt $0.1B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Five Star Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25