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Five Star (FSBC)
NASDAQ:FSBC
Earnings Data
Report Date
Apr 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.78Last Year’s EPS
0.62Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicates strong, broad-based 2025 financial and balance sheet performance—notably double-digit growth in loans and deposits, meaningful NII and NIM expansion, improved deposit funding costs, low NPLs, and a dividend increase—supported by strategic hiring and branch expansion. Key challenges include elevated operating expenses from hiring, a modest Q4 decline in noninterest income, compressed capital ratios after rapid growth, competitive pressure on loan spreads, and loan reset/refinance risk in 2026. Management believes these issues are manageable within a planned ~10% growth path, though faster growth would necessitate external capital.Company Guidance
Strong Annual Growth Across Key Metrics
Year-over-year growth in loans held for investment of 15% (+$542.2M), total deposits up 18% (+$643.1M), net income increased 35% to $61.6M, and earnings per share rose 28% to $2.90.
Solid Fourth-Quarter Financial Performance
Q4 net income of $17.6M, EPS $0.83, return on average assets 1.50% and return on average equity 15.97%; efficiency ratio of 40.62% for the quarter.
Net Interest Margin and Net Interest Income Expansion
Net interest margin expanded 10 basis points Q/Q to 3.66% (3.55% for the year, +23 bps Y/Y). Net interest income increased $2.7M (+7%) Q/Q and $32.2M (+27%) Y/Y driven by higher loan interest income and new loan production.
Improved Deposit Costs and Funding Mix
Average cost of total deposits declined 16 bps Y/Y to 2.40% and declined 21 bps Q/Q to 2.23% in Q4. Wholesale deposits reduced by $95M (-17%) in 2025 while non-wholesale deposits grew $738.1M (+25%). Noninterest-bearing deposits make up 26% of total deposits.
Strong Balance Sheet Growth and CRE Production
Total assets increased $701.6M (year) to a $4.8B institution; loans held for investment grew $542.2M (15% Y/Y). Commercial real estate loans were a primary driver: +$161.4M in Q4 and +$448.5M for the year.
Maintained Asset Quality and Provisioning
Nonperforming loans remain very low at 8 basis points of total loans. Full-year provision for credit losses was $9.7M with a Q4 provision of $2.8M—reflecting loan growth while maintaining credit monitoring and underwriting standards.
Operational Expansion and Talent Additions
Opened a Walnut Creek office, expanded the agribusiness vertical, and added seasoned business development professionals (management cited ~10–12 BDO hires in 2025) to support organic growth and deposit gathering.
Shareholder Return – Dividend Increase
Announced a cash dividend increase of $0.05 to $0.25 per share for the quarter—the first increase since April 2023, signaling confidence in earnings and capital.
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 |
|---|---|---|---|
Jan 26, 2026 | $38.80 | ― | ― |
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% |
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 Apr 27, 2026, After Close (Confirmed).
What is Five Star (FSBC) earnings time?
Five Star (FSBC) earnings time is at Apr 27, 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 2026 (Q1) is 0.78.