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Five Star Bancorp (FSBC)
:FSBC
Earnings Data
Report Date
Oct 27, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.71Last Year’s EPS
0.52Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with strong financial performance, significant loan and deposit growth, and strategic expansion initiatives. However, there were some challenges, such as an increase in nonperforming loans and higher noninterest expenses, which slightly dampened the overall positive sentiment.Company Guidance -
Q3 2025
Strong Financial Performance
Five Star Bancorp reported net income of $14.5 million, earnings per share of $0.68, return on average assets of 1.37%, and return on average equity of 14.17% for the second quarter of 2025.
Net Interest Margin Expansion
The net interest margin expanded by 8 basis points to 3.53%, driven by loan growth and an improvement in the average yield on loans.
Significant Loan and Deposit Growth
Loans held for investment grew by $136.2 million or 15% on an annualized basis, and deposit growth was approximately $158.3 million or 17% on an annualized basis.
Strong Asset Quality
Nonperforming loans represented only 6 basis points of total loans held for investment, and the bank remains well capitalized with all capital ratios well above regulatory thresholds.
Expansion and Investment
The company announced the expansion of its food and agribusiness vertical, the opening of a new office in Walnut Creek, and the addition of 5 new business development officers.
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 |
|---|---|---|---|
Jul 23, 2025 | $30.21 | $29.47 | -2.45% |
Apr 28, 2025 | $26.66 | $27.32 | +2.48% |
Jan 27, 2025 | $29.88 | $30.10 | +0.74% |
Oct 28, 2024 | $29.67 | $29.29 | -1.28% |
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 Oct 27, 2025, After Close (Confirmed).
What is Five Star Bancorp (FSBC) earnings time?
Five Star Bancorp (FSBC) earnings time is at Oct 27, 2025, 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 (Q3) is 0.71.