How did FSBC's Q4 earnings surprise investors?

Five Star Bancorp's (FSBC) Q4 earnings did not meet investor expectations, as evidenced by the company's actual earnings per share (EPS) of $0.52 compared to the consensus estimate of $0.54. This discrepancy of $0.02 per share resulted in a notable impact on investor sentiment, as the company's performance was below market expectations. Additionally, FSBC's revenue for the quarter was $54.05 million, which did not exceed investor forecasts. As a result, investors reacted negatively to the earnings report, leading to a decline in the company's stock price and a decrease in market confidence in its financial outlook for the upcoming year.