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Five Star (FSBC)
NASDAQ:FSBC
Earnings Data
Report Date
Jul 28, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.64Last Year’s EPS
0.51Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 28, 2025
|% Change Since: 4.66%
|Next Earnings Date:Jul 28, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted strong loan growth and improved net interest margins, driven by effective deposit management and a robust sales force. However, there were concerns with an increase in substandard loans and a decrease in non-interest income. Despite these challenges, the overall performance and strategic growth initiatives suggest a positive outlook.Company Guidance
During the first quarter of 2025, Five Star Bancorp demonstrated robust financial performance and strategic growth. The company expanded into the San Francisco Bay Area, adding four seasoned professionals to support this venture, and increased non-wholesale deposits by $48.4 million. The bank reported a 50.03% LTV on commercial real estate, a 42.58% efficiency ratio, and a $0.20 per share dividend. Total loans held for investment rose by $89.1 million, a 2.52% increase from the previous quarter, with average loan yields up to 6.02%. The commercial real estate segment grew to 81.11% of the loan portfolio. Despite a rise in loans designated as substandard or doubtful to $3.7 million, asset quality remained strong with non-performing loans steady at 0.05%. Deposits increased by $178.4 million or 5% quarter-over-quarter, driven by non-interest-bearing and interest-bearing deposits, while the cost of total deposits decreased by 10 basis points to 248 basis points. The bank's net income was $13.1 million, with a return on average assets of 1.3% and a return on average equity of 13.28%. As the company moves forward, it remains confident in its resilience and continued growth.Strong Loan Growth
Total loans held for investment increased by $89.1 million or 2.52% from the prior quarter, with a significant increase in the commercial real estate segment.
Improved Net Interest Margin
Net interest margin improved by nine basis points to 3.45% for the quarter, primarily driven by a lower average cost of deposits.
Deposit Growth
Deposits increased by $178.4 million or 5.0% compared to the previous quarter, with non-wholesale deposits increasing by $48.4 million.
Low Non-performing Loans
Non-performing loans remained low at 0.05% of loans held for investment.
Recognition and Awards
Five Star Bancorp ranked third on the S&P Global Market Intelligence list of best performing community banks and received multiple local business accolades.
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 |
|---|---|---|---|
Apr 28, 2025 | $26.85 | $27.50 | +2.42% |
Jan 27, 2025 | $30.08 | $30.30 | +0.73% |
Oct 28, 2024 | $29.88 | $29.49 | -1.31% |
Jul 24, 2024 | $27.59 | $28.44 | +3.08% |
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 Jul 28, 2025, TBA Not Confirmed.
What is Five Star (FSBC) earnings time?
Five Star (FSBC) earnings time is at Jul 28, 2025, TBA Not 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 (Q2) is 0.64.