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Five Star Bancorp (FSBC)
:FSBC
Earnings Data
Report Date
Feb 02, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.76Last Year’s EPS
0.63Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Five Star Bancorp reported strong financial performance with impressive loan and deposit growth, net interest margin expansion, and excellent asset quality. However, challenges include increased noninterest expenses, the difficulty in replicating exceptional deposit growth, and high payoff and paydown activity in certain business sectors.Company Guidance
Strong Financial Performance
Five Star Bancorp reported $16.3 million of net income, earnings per share of $0.77, return on average assets of 1.44%, and return on average equity of 15.35% for the third quarter of 2025.
Loan and Deposit Growth
Loans held for investment grew by $129.2 million or 14% on an annualized basis, and total deposits increased by approximately $208.8 million or 21% on an annualized basis.
Net Interest Margin Expansion
The net interest margin expanded by 3 basis points to 3.56%, while the cost of total deposits declined by 2 basis points to 2.44%.
Asset Quality and Capitalization
Nonperforming loans represented only 5 basis points of total loans held for investment, and all capital ratios were well above regulatory thresholds.
Expansion and Business Growth
Opened the ninth full-service office in Walnut Creek and saw growth in the food agribusiness and diversified industry sectors.
FSBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FSBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 27, 2025 | $35.38 | $37.02 | +4.64% |
Jul 23, 2025 | $30.04 | $29.30 | -2.47% |
Apr 28, 2025 | $26.52 | $27.16 | +2.44% |
Jan 27, 2025 | $29.71 | $29.93 | +0.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Five Star Bancorp (FSBC) report earnings?
Five Star Bancorp (FSBC) is schdueled to report earning on Feb 02, 2026, After Close (Confirmed).
What is Five Star Bancorp (FSBC) earnings time?
Five Star Bancorp (FSBC) earnings time is at Feb 02, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FSBC EPS forecast?
FSBC EPS forecast for the fiscal quarter 2025 (Q4) is 0.76.