FSBC
Five Star Bancorp·NASDAQ
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FSBC fundamentals
Five Star Bancorp (FSBC) released its earnings on Oct 28, 2025: revenue was 41.31M (YoY +30.08%), beat estimates; EPS was 0.77 (YoY +48.08%), beat estimates.
Revenue / YoY
41.31M
+30.08%
EPS / YoY
0.77
+48.08%
Report date
Oct 28, 2025
FSBC Earnings Call Summary for Q3,2025
- Record Growth: Q3 net income $16.3M (+14% annualized loans, +21% deposits), with 11% non-wholesale deposit expansion.
- Core Funding Shift: Wholesale deposits down 23%, targeting stable >$5M core deposits (26% of total).
- Margin Expansion: 1-3bps Q4 expansion from rate cuts, $850K/25bps benefit offset by 90-day gov deposit lag.
- Strategic Hiring: +$0.9M expenses for 41 new biz dev staff, focusing on agribusiness and Bay Area C&I.
- Cautious M&A: No deals, but open to acquisitions for deposit scale or lower-cost funding.
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Key Indicators
Five Star Bancorp (FSBC) key financial stats and ratios, covering profitability, financial health, and leverage.
Five Star Bancorp (FSBC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Five Star Bancorp (FSBC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Five Star Bancorp (FSBC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Five Star Bancorp (FSBC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Five Star Bancorp (FSBC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What is the market's earnings forecast for Five Star Bancorp next quarter?What were the key takeaways from Five Star Bancorp’s earnings call?What is the revenue and EPS growth rate for Five Star Bancorp year over year?What is Five Star Bancorp's gross profit margin?What were the key takeaways from Five Star Bancorp's earnings call?What factors drove the changes in Five Star Bancorp's revenue and profit?What guidance did Five Star Bancorp's management provide for the next earnings period?What does Five Star Bancorp do and what are its main business segments?
