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Five Star ( (FSBC) ) has issued an update.
Five Star Bancorp reported robust first quarter 2026 results on April 27, 2026, with net income rising to $18.6 million from $17.6 million in the prior quarter and $13.1 million a year earlier, driving diluted earnings per share to $0.87 and delivering improved returns on assets and equity alongside a lower efficiency ratio. The bank posted strong loan and deposit growth, highlighted by a $138.5 million increase in loans held for investment and a $268.3 million rise in total deposits – led by non-wholesale balances – while net interest margin expanded to 3.70% despite a lower federal funds rate environment, cost of funds declined, capital ratios remained solid, and the quarterly cash dividend was raised to $0.25 per share, underscoring management’s confidence and the franchise’s momentum.
Cash and cash equivalents climbed to $644.4 million, representing 14.42% of total deposits, and the mix shift toward non-wholesale funding, together with disciplined expense management, further strengthened the balance sheet and profitability profile. With continued hiring of Business Development Officers, expansion into new markets, and manageable securities-related unrealized losses, Five Star reinforced its growth trajectory and competitive positioning, signaling ongoing benefits for customers, employees, and shareholders.
The company also scheduled an earnings call on April 28, 2026 to discuss these first quarter results with the investment community.
The most recent analyst rating on (FSBC) stock is a Buy with a $45.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.
Spark’s Take on FSBC Stock
According to Spark, TipRanks’ AI Analyst, FSBC is a Outperform.
FSBC scores well on financial performance due to strong profitability and improved leverage, supported by a constructive earnings outlook and disciplined growth guidance. The main constraints are stretched technical momentum signals (RSI/Stoch), slowing financial momentum (FCF decline and margin normalization), and execution risks noted on the call (expenses, capital flexibility, loan resets, and broker deposit reduction).
To see Spark’s full report on FSBC stock, click here.
More about Five Star
Five Star Bancorp, based in Rancho Cordova, California, is a bank holding company operating through its wholly owned subsidiary Five Star Bank, focusing on commercial and retail banking services. Listed on Nasdaq under the ticker FSBC, the company targets loan and deposit growth across industry verticals and new geographies, supported by a growing team of Business Development Officers and a strong capital position that qualifies it as well-capitalized under regulatory standards.
Average Trading Volume: 82,980
Technical Sentiment Signal: Buy
Current Market Cap: $865.7M
Find detailed analytics on FSBC stock on TipRanks’ Stock Analysis page.