FSBC

This article first appeared on GuruFocus. Earnings Per Share (EPS): Increased to $0.87, up $0.04 from the prior quarter. Net Income: $18.6 million, up 6% from the prior quarter. Return on Average Assets: 1.55%, an increase of 5 basis points from the prior quarter. Return on Average Equity: 16.73%, an increase of 76 basis points from the prior quarter. Net Interest Margin: 3.70%, an increase of 4 basis points from the prior quarter. Average Cost of Total Deposits: 2.13%, a decrease of 10 basis points from the prior quarter. Loan Growth: Loans held for investment grew by $138.5 million or 14% annualized. Deposit Growth: Total deposits grew by $268.3 million or 26% annualized. Non-Performing Loans: Represented 7 basis points of total loans held for investment. Net Interest Income: Increased to $43.5 million, a 3% increase from Q4 2025. Non-Interest Income: Increased to $1.6 million from $1.4 million in the previous quarter. Non-Interest Expense: Decreased by $263,000. Efficiency Ratio: Improved to 38.57% from 40.62% in the prior quarter. Provision for Credit Losses: $2.7 million, primarily related to loan growth. Cash Dividend: Paid $0.25 per share and declared an additional $0.25 dividend. Warning! GuruFocus has detected 7 Warning Sign with FSBC. Is FSBC fairly valued? Test your thesis with our free DCF calculator. Release Date: April 28, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Five Star Bancorp (NASDAQ:FSBC) reported a strong Q1 2026 with earnings per share increasing to $0.87, up $0.04 from the prior quarter. The company achieved significant loan and deposit growth, with loans held for investment growing by 14% and total deposits by 26% on an annualized basis. Net income increased by 6% from the prior quarter, reaching $18.6 million. The net interest margin improved to 3.70%, reflecting disciplined pricing and a favorable mix of assets and liabilities. FSBC maintained strong asset quality with non-performing loans representing just 7 basis points of total loans held for investment. Increased competition in the market could impact FSBC's ability to maintain its growth trajectory. Ongoing global economic uncertainties, such as the Iran conflict, have triggered volatility in interest rates, posing potential risks. The company recorded a $2.7 million provision for credit losses, primarily related...

Strong Q1 results: EPS of $0.87 and net income of $18.6 million (up 6% QoQ) were driven by a rising net interest margin of 3.70%, a 14% annualized loan increase (+$138.5M) and 26% annualized deposit growth (+$268.3M), while efficiency improved to 38.57%. Strategic funding shift: Management is reducing wholesale funding—wholesale deposits fell $81.9M while non-wholesale deposits rose $350.2M and non-interest-bearing deposits reached ~28% of total—with a stated goal to be out of wholesale deposits by Dec. 31. Expansion and outlook: Five Star is building presence in Southern California with new business development hires, expects full-year balance-sheet growth of roughly 10%–12%, sees NIM settling around 3.70%–3.75%, and remains well-capitalized with very low non-performing loans (~7 bps). Interested in Five Star Bancorp? Here are five stocks we like better. Five Star Bancorp (NASDAQ:FSBC) reported first-quarter 2026 results highlighted by higher earnings, continued loan and deposit growth, and a further shift away from wholesale funding, as executives also discussed new business development efforts in Southern California and expectations for the rest of the year. President and CEO James Beckwith said the company delivered “another period of outstanding achievement” in Q1 2026, pointing to growth across markets and ongoing investments in talent and technology to support organic expansion. → Pipelines and Automation: 2 Energy Plays Built for Any Oil Price Beckwith reported earnings per share of $0.87, up $0.04 from the prior quarter. Net income was $18.6 million, a 6% increase from Q4 2025. The company posted a return on average assets of 1.55% (up 5 basis points quarter-over-quarter) and return on average equity of 16.73% (up 76 basis points). Net interest margin rose to 3.70% from 3.66% in the prior quarter, while the average cost of total deposits declined 10 basis points to 2.13%, according to management. → Homebuilder Earnings: D.R. Horton Sticks Out as Pulte & NVR Sales Tank Beckwith attributed the quarter’s results to “robust loan and deposit growth.” Loans held for investment increased by $138.5 million, which management characterized as 14% annualized growth. Total deposits increased by $268.3 million, or 26% on an annualized basis, with non-wholesale deposits up $350.2 million. That gain was partially offset by an $81.9 million reduction in wholesale d...

Image source: The Motley Fool. Tuesday, April 28, 2026 at 1 p.m. ET President and Chief Executive Officer — James Beckwith Executive Vice President and Chief Financial Officer — Heather Luck Need a quote from a Motley Fool analyst? Email [email protected] James Beckwith: Thank you for joining us to review Five Star Bancorp financial results for Q1 2026. These results were released yesterday and are available on our website, fivestarbank.com, under the Investor Relations section. Joining me today is Heather Luck, Executive Vice President and Chief Financial Officer. Q1 2026 marked another period of outstanding achievement for Five Star Bancorp. Underscored by robust growth across all markets we serve and consistent strong performance. During the quarter, we continued to deepen our client relationships and expanded our presence in key geographies while investing in both talent and technology to support ongoing organic growth. Our commitment to disciplined execution and differentiated customer service was evident in our solid results. Q1 2026 earnings per share increased to $0.87 per share, up $0.40 per share from the prior quarter, with annualized growth in loans held for investment of 14% and annualized deposit growth of 26%. We remain well positioned to capitalize on new opportunities and drive sustainable value for our shareholders, customers, and communities. Financial highlights during Q1 2026 include net income of $18.6 million, up 6% from the prior quarter; return on average assets of 1.55%, an increase of 5 basis points from the prior quarter; return on average equity of 16.73%, an increase of 76 basis points from the prior quarter; net interest margin of 3.7%, an increase of 4 basis points from the prior quarter; and average cost of total deposits of 2.13%, a decrease of 10 basis points from the prior quarter. Our Q1 results were driven by robust loan and deposit growth. Loans held for investment grew by $138.5 million, or 14% on an annualized basis. Total deposits grew by $268.3 million, or 26% on an annualized basis, with non-wholesale deposits up $350.2 million offsetting an $81.9 million reduction in wholesale deposits. This shift reflects our focus on building stable, relationship-based core deposit funding. Our asset quality remains strong, with nonperforming loans representing just 7 basis points of total loans held for investment, a reflection of ou...

Performance was driven by a deliberate shift toward relationship-based core deposits, which grew 26% on an annualized basis and allowed for an $81.9 million reduction in wholesale funding. Net interest margin expansion to 3.7% was supported by disciplined pricing and a favorable asset mix, though management indicates NIM may be settling near current levels. Loan growth of 14% annualized was fueled by a high-touch business development model, with 42 active officers producing across all verticals and geographies. The bank maintains a flexible earnings profile in a volatile rate environment, as approximately 75% of the loan portfolio consists of adjustable or floating-rate instruments. Credit quality remains a core strength, with nonperforming loans at just 7 basis points of total loans, reflecting conservative underwriting and a focus on seasoned relationships. Efficiency improvements were partially driven by the release of a $1 million loss contingency on an SBA loan, offsetting increased headcount costs. Management attributes successful market penetration to a 'boots on the ground' strategy, utilizing more business development personnel relative to bank size than competitors. Management aims to completely exit the wholesale deposit book by December 31, 2026, to improve interest cost relief and franchise stability. The bank expects to maintain a balance sheet growth rate of approximately 10% to 12% for the remainder of the year, supported by robust pipelines. Strategic expansion into Southern California is expected to drive significant C&I deal flow and noninterest-bearing deposit growth from escrow and title company relationships. Future expense guidance of $14.8 million to $15.5 million per quarter accounts for continued 'stair-stepping' investments in high-cost talent and new full-service offices. Net interest income is expected to be driven primarily by volume growth rather than further substantial margin expansion, with NIM projected to range between 3.70% and 3.75%. A $2.7 million provision for credit loss was recorded during the quarter, primarily attributed to loan growth rather than credit deterioration. Noninterest-bearing deposits increased to 28% of the total mix, bolstered by new escrow and title company relationships in the Newport Beach office. Management flagged global volatility from the Iran conflict and energy supply chain uncertainty as tr...

Five Star Bancorp (FSBC) reported $45.1 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 27.6%. EPS of $0.87 for the same period compares to $0.62 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $44.4 million, representing a surprise of +1.59%. The company delivered an EPS surprise of +9.09%, with the consensus EPS estimate being $0.80. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Five Star Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin: 3.7% versus the three-analyst average estimate of 3.7%. Efficiency ratio: 38.6% compared to the 41% average estimate based on three analysts. Total interest-earning assets - Average Balance: $4.76 billion versus $4.71 billion estimated by two analysts on average. Non-interest income: $1.64 million versus $1.48 million estimated by three analysts on average. Net interest income: $43.46 million versus $42.92 million estimated by three analysts on average. View all Key Company Metrics for Five Star Bancorp here>>> Shares of Five Star Bancorp have returned +9.1% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Five Star Bancorp (FSBC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

RANCHO CORDOVA, Calif., April 27, 2026 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $18.6 million for the three months ended March 31, 2026, as compared to $17.6 million for the three months ended December 31, 2025 and $13.1 million for the three months ended March 31, 2025. First Quarter Highlights Performance and operating highlights for the Company for the periods noted below included the following: (1) See the section entitled “Non-GAAP Reconciliation (Unaudited)” for a reconciliation of this non-GAAP financial measure. James E. Beckwith, President and Chief Executive Officer, commented: “The strength of Five Star Bank’s first quarter 2026 financial results is emblematic of seized market opportunities fueled by the continued demand for our differentiated customer experience. In the first quarter of 2026, we successfully executed on our strategic plan and declared a cash dividend of $0.25 per share to shareholders (an increase of $0.05 per share from dividends declared in each quarter of 2025). Earnings per share increased to $0.87 per share, up $0.04 from the fourth quarter of 2025 and $0.25 from the first quarter of 2025. Net income increased to $18.6 million, up from $17.6 million for the fourth quarter of 2025, while total cost of funds decreased 10 basis points to 2.20% during the first quarter of 2026, and net interest margin increased by four basis points to 3.70%. We are pleased that over the first quarter, total loans held for investment increased by $138.5 million, or 3% (14% when annualized) while total deposits increased by $268.3 million, or 6% (26% when annualized). As we execute on the expansion of industry verticals and our presence in new geographies to meet customer demand, we expect the ongoing acceleration of our growth to benefit our customers, employees, and shareholders.” Financial highlights as of and during the three months ended March 31, 2026 included the following: Total deposits increased by $268.3 million, or 6.39%, during the three months ended March 31, 2026, with increases in non-wholesale deposits exceeding decreases in wholesale deposits. The Company defines wholesale deposits as brokered deposits and California Time Deposit Program deposits. During...

Five Star Bancorp (FSBC) came out with quarterly earnings of $0.87 per share, beating the Zacks Consensus Estimate of $0.8 per share. This compares to earnings of $0.62 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.09%. A quarter ago, it was expected that this company would post earnings of $0.77 per share when it actually produced earnings of $0.83, delivering a surprise of +7.79%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Five Star Bancorp, which belongs to the Zacks Banks - West industry, posted revenues of $45.1 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 1.59%. This compares to year-ago revenues of $35.34 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Five Star Bancorp shares have added about 13.2% since the beginning of the year versus the S&P 500's gain of 4.7%. While Five Star Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Five Star Bancorp was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Ran...

Image source: The Motley Fool. Tuesday, January 27, 2026 at 1 p.m. ET Chief Executive Officer — James Beckwith Executive Vice President and Chief Financial Officer — Heather Luck Need a quote from a Motley Fool analyst? Email [email protected] James Beckwith: Thank you for joining us to review Five Star Bancorp's financial results for the fourth quarter and year ended December 31, 2025. These results were released yesterday and are available on our website, fivestarbank.com, under the Investor Relations section. Joining me today is Heather Luck, Executive Vice President and Chief Financial Officer. 2025 was another outstanding year of achievement underpinned by exceptional growth across all of the markets we serve and consistent strong financial performance. During 2025, we expanded our footprint in the San Francisco Bay Area through the opening of our Walnut Creek office. We expanded our agribusiness vertical, and we also added 10 more seasoned business development professionals to facilitate ongoing organic growth. In 2025, Five Star Bank achieved year-over-year growth in total loans held for investments of 15%, total deposit growth of 18%, net income growth of 35% and an increase in earnings per share of 28% to $2.90 a share. Financial highlights for the fourth quarter include $17.6 million in net income, earnings per share of $0.83, return on average assets of 1.50% and return on average equity of 15.97%. Our net interest margin expanded 10 basis points to 3.66% and our total cost of deposits declined by 21 basis points to 2.23%. Our efficiency ratio was 40.62% for the fourth quarter. Financial highlights for the year included a $61.6 million of net income, earnings per share of $2.90, return on average assets of 1.41% and return on average equity of 14.74%. Our net interest margin expanded by 23 basis points to 3.55% and our cost of total deposits declined 16 basis points to 2.40%. Our efficiency ratio was 41.03% for the year. In the fourth quarter, we saw continued balance sheet growth. Loans held for investment grew by $187.7 million or 19% on an annualized basis and total deposits increased by $97.6 million or 10% on an annualized basis. Over the course of the year, we experienced outstanding balance sheet growth. Loans held for investment grew by $542.2 million or 15% and total deposits increased by $643.1 million or 18%. We successfully reduced our balan...

RANCHO CORDOVA, Calif., April 17, 2026 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the "Bank"), announced today the declaration of a cash dividend of $0.25 per share on the Company’s voting common stock. The dividend is expected to be paid on May 11, 2026, to shareholders of record as of May 4, 2026. About Five Star Bancorp Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has nine branches in Northern California. For more information, visit https://www.fivestarbank.com. Special Note Concerning Forward-Looking Statements This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements represent plans, estimates, objectives, goals, guidelines, expectations, intentions, projections, and statements of the Company’s beliefs concerning future events, business plans, objectives, expected operating results, and the assumptions upon which those statements are based. Forward-looking statements include without limitation, any statement that may predict, forecast, indicate, or imply future results, performance, or achievements, and are typically identified with words such as “may,” “could,” “should,” “will,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “aim,” “intend,” “plan,” or words or phases of similar meaning. The Company cautions that the forward-looking statements are based largely on the Company’s expectations and are subject to a number of known and unknown risks and uncertainties that are subject to change based on factors which are, in many instances, beyond the Company’s control. Such forward-looking statements are based on various assumptions (some of which may be beyond the Company’s control) and are subject to risks and uncertainties, which change over time, and other factors, which could cause actual results to differ materially from those currently anticipated. New risks and uncertainties may emerge from time to time, and it is not possible for the Company to predict their occurrence or how they will affect the Company. If one or more of the factors affecting the Company’s forward-looking inform...

RANCHO CORDOVA, Calif., April 14, 2026 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), expects to report its financial results for the quarter ended March 31, 2026, after the stock market closes on Monday, April 27, 2026. Management will host a live webcast for analysts and investors to review this information at 1:00 PM ET (10:00 AM PT) on April 28, 2026. The live webcast will be accessible from the “News & Events” section of the Company’s website under “Events” at https://investors.fivestarbank.com/news-events/events. Please pre-register for the event using this link. The webcast will be archived on the Company’s website for a period of 90 days. About Five Star Bancorp Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has nine branches in Northern California. For more information, visit https://www.fivestarbank.com. Investor Contact: Heather C. Luck, Chief Financial Officer Five Star Bancorp (916) 626-5008 [email protected] Media Contact: Shelley R. Wetton, Chief Marketing Officer Five Star Bancorp (916) 284-7827 [email protected]

This article first appeared on GuruFocus. Total Loan Growth: 15% year-over-year. Total Deposit Growth: 18% year-over-year. Net Income Growth: 35% year-over-year. Earnings Per Share (EPS): $2.90 for the year, $0.83 for the fourth quarter. Net Interest Margin: Expanded by 23 basis points to 3.55% for the year, 3.66% for the fourth quarter. Return on Average Assets: 1.41% for the year, 1.50% for the fourth quarter. Return on Average Equity: 14.74% for the year, 15.97% for the fourth quarter. Efficiency Ratio: 41.03% for the year, 40.62% for the fourth quarter. Nonperforming Loans: 8 basis points of total loans held for investment. Provision for Credit Losses: $9.7 million for the year, $2.8 million for the fourth quarter. Dividend Increase: $0.05 per share increase, total $0.25 per share for the quarter. Total Assets Growth: Increased by $701.6 million for the year, $113.1 million for the fourth quarter. Noninterest Income: Decreased to $1.4 million in the fourth quarter from $2 million in the previous quarter. Noninterest Expense Increase: $10.5 million for the year. Warning! GuruFocus has detected 8 Warning Signs with FSBC. Is FSBC fairly valued? Test your thesis with our free DCF calculator. Release Date: January 27, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Five Star Bancorp (NASDAQ:FSBC) achieved significant year-over-year growth in key financial metrics, including a 15% increase in total loans held for investment, an 18% rise in total deposits, a 35% growth in net income, and a 28% increase in earnings per share. The company expanded its footprint in the San Francisco Bay Area with the opening of a new office in Walnut Creek and added 10 seasoned business development professionals to support ongoing organic growth. FSBC's net interest margin expanded by 23 basis points to 3.55% for the year, and the cost of total deposits declined by 16 basis points to 2.40%, indicating improved financial efficiency. The bank maintained strong asset quality, with nonperforming loans representing only 8 basis points of total loans held for investment, and remained well-capitalized with all capital ratios above regulatory thresholds. FSBC increased its cash dividend by $0.05 per share, marking the first increase since April 2023, reflecting strong financial performance and commitment to delivering shareholder v...