The earnings call reflected a positive sentiment overall, with strong financial results, growth in net interest margin and deposits, and successful expansion efforts. Despite some increases in nonperforming loans and noninterest expenses, the bank's asset quality and strategic growth initiatives highlight its robust performance.

Company Guidance

During the Five Star Bancorp second quarter earnings call for fiscal year 2025, significant financial metrics were highlighted, reflecting the company's robust performance and strategic growth initiatives. The company reported a net income of $14.5 million, with earnings per share at $0.68. The return on average assets was 1.37%, and return on average equity was 14.17%. Their net interest margin expanded by 8 basis points to 3.53%, while the cost of total deposits decreased by 2 basis points to 2.46%. The efficiency ratio for the quarter stood at 41.03%. Five Star Bancorp experienced notable balance sheet growth, with loans held for investment increasing by $136.2 million or 15% on an annualized basis, and deposit growth reaching approximately $158.3 million or 17% on an annualized basis. Nonperforming loans were minimal, representing only 6 basis points of total loans held for investment, and the company remained well-capitalized with all capital ratios above regulatory thresholds. Additionally, the board declared a cash dividend of $0.20 per share. The company also emphasized its strategic expansion efforts, including the upcoming opening of a new office in Walnut Creek and the addition of a food and agribusiness vertical, bolstered by the hiring of experienced business development officers.

Strong Financial Performance

Five Star Bancorp reported a 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% in Q2 2025.

Growth in Net Interest Margin and Deposits

The net interest margin expanded by 8 basis points to 3.53%. Deposit growth was approximately $158.3 million or 17% on an annualized basis.

Asset Quality and Capitalization

Nonperforming loans represented only 6 basis points of total loans held for investment, and the bank continues to be well-capitalized with all capital ratios above regulatory thresholds.

Expansion and Development

Announced the expansion of the food and agribusiness vertical, the expected opening of the Walnut Creek office in September 2025, and added 5 new business development officers.

Five Star (FSBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.71 / -	0.52	―	―	―
Jul 23, 2025	2025 (Q2)	0.64 / 0.68	0.51	33.33% (+0.17)
Apr 28, 2025	2025 (Q1)	0.59 / 0.62	0.62	0.00% (0.00)
Jan 27, 2025	2024 (Q4)	0.57 / 0.63	0.63	0.00% (0.00)
Oct 28, 2024	2024 (Q3)	0.53 / 0.52	0.64	-18.75% (-0.12)
Jul 24, 2024	2024 (Q2)	0.49 / 0.51	0.74	-31.08% (-0.23)
Apr 29, 2024	2024 (Q1)	0.52 / 0.62	0.77	-19.48% (-0.15)
Jan 29, 2024	2023 (Q4)	0.59 / 0.63	0.77	-18.18% (-0.14)
Oct 30, 2023	2023 (Q3)	0.60 / 0.64	0.68	-5.88% (-0.04)
Jul 24, 2023	2023 (Q2)	0.66 / 0.74	0.58	27.59% (+0.16)

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 (FSBC) report earnings?

Five Star (FSBC) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).

What is Five Star (FSBC) earnings time?

Five Star (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.

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