Five Star Bancorp reports Q4 EPS 83c, consensus 76c

Reports Q4 tangible book value per share $20.87 vs. $20.19 in the previous quarter. James E. Beckwith, President and CEO, commented: “We proudly look back on 2025 as an outstanding year of achievement and are pleased to have experienced exceptional organic growth across all of the markets we serve, and consistent, strong financial performance. In 2025, Five Star Bank achieved year-over-year growth in total loans and total deposits. Total loans held for investment increased by $542.2M, or 15%, and total deposits increased by $643.1, or 18%. Wholesale deposits decreased by $95.0M, or 17%, while non-wholesale deposits increased by $738.1M or 25%. Cost of funds decreased by 21 basis points from the Q3 to the Q4 and 17 basis points year-over-year. Our efficiency ratio decreased from 43.19% in 2024 to 41.03% in 2025, net income increased by 35%, or $15.9M in 2025, and earnings per share increased by 64c during 2025 to $2.90. We also experienced continued improvement in net interest margin expansion. We have provided a consistent shareholder dividend and, in recognition of our strong financial performance and commitment to returning value to our investors, we are pleased to announce an increase in the dividend this quarter. As we look ahead to 2026, we believe that managing expenses and executing on conservative underwriting practices will continue to be foundational to our success.”