FSBC
Five Star Bancorp·NASDAQ
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FSBC fundamentals
Five Star Bancorp (FSBC) released its earnings on Jan 27, 2026: revenue was 40.66M (YoY +15.67%), missed estimates; EPS was 0.83 (YoY +31.75%), beat estimates.
Revenue / YoY
40.66M
+15.67%
EPS / YoY
0.83
+31.75%
Report date
Jan 27, 2026
FSBC Earnings Call Summary for Q4,2025
- Record Growth: 2025 net income up 35% to $61.6 million, EPS $2.90 (+28%). Q4 net income $17.6 million, EPS $0.83.
- Balance Sheet Expansion: Loans +15% YoY, deposits +18% YoY. Q4 loan growth 19% annualized, deposits 10% annualized.
- Efficiency and Margin: Net interest margin 3.66%, cost of deposits 2.23%. Efficiency ratio 40.62%.
- Strategic Momentum: 10 new BDOs, 25% non-wholesale deposit growth, $95M wholesale deposit reduction.
- 2026 Outlook: Target 10% loan/deposit growth, 1.48%-1.55% expense-to-assets ratio. CET1 at 10.5% supports organic expansion.
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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 Five Star Bancorp's gross profit margin?What is the revenue and EPS growth rate for Five Star Bancorp year over year?What does Five Star Bancorp do and what are its main business segments?What guidance did Five Star Bancorp's management provide for the next earnings period?What is Five Star Bancorp's latest dividend and current dividend yield?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 is the market's earnings forecast for Five Star Bancorp next quarter?
