Five Star Bancorp Q1 2026 Earnings Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 28 2026
0mins
Source: seekingalpha
- Earnings Per Share Growth: Q1 2026 EPS rose to $0.87, up $0.04 from the previous quarter, indicating sustained profitability that is expected to positively impact shareholder returns.
- Loan and Deposit Growth: Annualized loan growth reached 14% and deposit growth soared to 26%, demonstrating significant progress in building stable core deposit funding, which enhances competitive positioning in the market.
- Strong Asset Quality: Nonperforming loans represented only 7 basis points of total loans, with all capital ratios well above regulatory thresholds, showcasing the company's robustness in credit and capital management, which boosts investor confidence.
- Net Interest Income Increase: Net interest income rose to $43.5 million, a 3% increase from Q4 2025, while net interest margin improved from 3.66% to 3.70%, indicating the company's ability to maintain profitability amid changing interest rate environments.
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Analyst Views on FSBC
Wall Street analysts forecast FSBC stock price to fall
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 44.760
Low
37.00
Averages
38.00
High
40.00
Current: 44.760
Low
37.00
Averages
38.00
High
40.00
About FSBC
Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through approximately eight branch offices. It offers a complete array of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. The Company also provides a range of deposit services, including debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. It focuses primarily on commercial lending. It offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Five Star Bancorp Promotes Cliff Cooper to Executive Vice President
- Executive Promotion: Five Star Bancorp has promoted Cliff Cooper to Executive Vice President, overseeing Food, Agribusiness & Diversified Industries, leveraging his 35 years of banking experience to continue shaping the company's strategic direction in agriculture.
- Industry Leadership: Since 2025, Cooper has led a division that provides exceptional support to sectors such as production agriculture, wholesale distribution, and food processing, enhancing the company's competitiveness in a complex market environment.
- Deepening Client Relationships: Cooper emphasizes the importance of supporting agricultural businesses and is committed to delivering tailored solutions for clients, thereby increasing customer loyalty and driving market expansion in California and beyond.
- Foundation for Long-term Success: Five Star's CEO James Beckwith highlights that Cooper's leadership and industry knowledge have laid the groundwork for the company's long-term success, reflecting the company's ongoing investment in the agribusiness economy.
See More
Five Star Bancorp Q1 2026 Earnings Highlights
- Earnings Per Share Growth: Q1 2026 EPS rose to $0.87, up $0.04 from the previous quarter, indicating sustained profitability that is expected to positively impact shareholder returns.
- Loan and Deposit Growth: Annualized loan growth reached 14% and deposit growth soared to 26%, demonstrating significant progress in building stable core deposit funding, which enhances competitive positioning in the market.
- Strong Asset Quality: Nonperforming loans represented only 7 basis points of total loans, with all capital ratios well above regulatory thresholds, showcasing the company's robustness in credit and capital management, which boosts investor confidence.
- Net Interest Income Increase: Net interest income rose to $43.5 million, a 3% increase from Q4 2025, while net interest margin improved from 3.66% to 3.70%, indicating the company's ability to maintain profitability amid changing interest rate environments.
See More
Five Star Bancorp Reports Strong Q1 Revenue Growth
- Significant Revenue Growth: Five Star Bancorp reported $45.1 million in revenue for Q1 2026, marking a 27.6% year-over-year increase and surpassing the Zacks Consensus Estimate of $44.4 million, indicating strong market performance.
- Earnings Per Share Beat: The company achieved an EPS of $0.87 for the quarter, a 40.3% increase from $0.62 a year ago, exceeding analyst expectations of $0.80, reflecting a notable enhancement in profitability.
- Investor Focus on Key Metrics: While investors closely monitor year-over-year changes in revenue and earnings, comparing key financial metrics provides deeper insights into the company's fundamentals, aiding in better stock price projections.
- Quantum Computing Outlook: Quantum computing is viewed as the next technological revolution, with major tech firms rapidly integrating this technology, potentially leading to significant shifts in future market dynamics.
See More
Five Star Bancorp Reports Strong Quarterly Earnings Beat
- Earnings Beat: Five Star Bancorp (FSBC) reported quarterly earnings of $0.87 per share, exceeding the Zacks consensus estimate of $0.80, and showing a significant increase from $0.62 a year ago, indicating sustained improvement in profitability.
- Significant Revenue Growth: The company posted revenues of $45.1 million for the quarter, surpassing the Zacks consensus estimate by 1.59% and reflecting a 32.5% increase from $35.34 million a year ago, showcasing enhanced competitiveness in the market.
- Market Outperformance: Since the beginning of the year, Five Star Bancorp shares have risen approximately 13.2%, significantly outperforming the S&P 500's gain of 4.7%, indicating increased investor confidence in its future performance.
- Cautious Future Outlook: Despite the optimistic current earnings outlook, the unfavorable trend in estimate revisions has resulted in a Zacks Rank of #4 (Sell) for Five Star Bancorp, suggesting potential underperformance in the near term, prompting investors to monitor future earnings expectations closely.
See More
Five Star Bancorp Reports Q1 Net Income Growth
- Net Income Growth: In Q1 2026, Five Star Bank reported net income of $18.6 million, reflecting a 5.1% increase from $17.6 million in Q4 2025, demonstrating the company's success in seizing market opportunities.
- Earnings Per Share Increase: The basic earnings per share rose to $0.87, up 4.82% from $0.83 in Q4 2025, indicating enhanced profitability and improved shareholder returns.
- Loan and Deposit Growth: As of March 31, 2026, total loans increased by $138.5 million, or 3%, while total deposits rose by $268.3 million, or 6.39%, showcasing the company's effective strategy in expanding market share.
- Stable Capital Ratios: As of March 31, 2026, the common equity Tier 1 capital ratio stood at 10.45%, continuing to meet regulatory requirements and ensuring the company's capital adequacy and long-term stability.
See More
Five Star Bancorp Reports Q1 Net Interest Income of $43.457 Million
- Financial Performance: Five Star Bancorp reported a net interest income of USD 43.457 million for Q1.
- Quarterly Results: The financial results indicate a strong performance in the bank's interest income during the first quarter.
See More
Five Star Bancorp Promotes Cliff Cooper to Executive Vice President
- Executive Promotion: Five Star Bancorp has promoted Cliff Cooper to Executive Vice President, overseeing Food, Agribusiness & Diversified Industries, leveraging his 35 years of banking experience to continue shaping the company's strategic direction in agriculture.
- Industry Leadership: Since 2025, Cooper has led a division that provides exceptional support to sectors such as production agriculture, wholesale distribution, and food processing, enhancing the company's competitiveness in a complex market environment.
- Deepening Client Relationships: Cooper emphasizes the importance of supporting agricultural businesses and is committed to delivering tailored solutions for clients, thereby increasing customer loyalty and driving market expansion in California and beyond.
- Foundation for Long-term Success: Five Star's CEO James Beckwith highlights that Cooper's leadership and industry knowledge have laid the groundwork for the company's long-term success, reflecting the company's ongoing investment in the agribusiness economy.
See More
Five Star Bancorp Q1 2026 Earnings Highlights
- Earnings Per Share Growth: Q1 2026 EPS rose to $0.87, up $0.04 from the previous quarter, indicating sustained profitability that is expected to positively impact shareholder returns.
- Loan and Deposit Growth: Annualized loan growth reached 14% and deposit growth soared to 26%, demonstrating significant progress in building stable core deposit funding, which enhances competitive positioning in the market.
- Strong Asset Quality: Nonperforming loans represented only 7 basis points of total loans, with all capital ratios well above regulatory thresholds, showcasing the company's robustness in credit and capital management, which boosts investor confidence.
- Net Interest Income Increase: Net interest income rose to $43.5 million, a 3% increase from Q4 2025, while net interest margin improved from 3.66% to 3.70%, indicating the company's ability to maintain profitability amid changing interest rate environments.
See More
Five Star Bancorp Reports Strong Q1 Revenue Growth
- Significant Revenue Growth: Five Star Bancorp reported $45.1 million in revenue for Q1 2026, marking a 27.6% year-over-year increase and surpassing the Zacks Consensus Estimate of $44.4 million, indicating strong market performance.
- Earnings Per Share Beat: The company achieved an EPS of $0.87 for the quarter, a 40.3% increase from $0.62 a year ago, exceeding analyst expectations of $0.80, reflecting a notable enhancement in profitability.
- Investor Focus on Key Metrics: While investors closely monitor year-over-year changes in revenue and earnings, comparing key financial metrics provides deeper insights into the company's fundamentals, aiding in better stock price projections.
- Quantum Computing Outlook: Quantum computing is viewed as the next technological revolution, with major tech firms rapidly integrating this technology, potentially leading to significant shifts in future market dynamics.
See More
Five Star Bancorp Reports Strong Quarterly Earnings Beat
- Earnings Beat: Five Star Bancorp (FSBC) reported quarterly earnings of $0.87 per share, exceeding the Zacks consensus estimate of $0.80, and showing a significant increase from $0.62 a year ago, indicating sustained improvement in profitability.
- Significant Revenue Growth: The company posted revenues of $45.1 million for the quarter, surpassing the Zacks consensus estimate by 1.59% and reflecting a 32.5% increase from $35.34 million a year ago, showcasing enhanced competitiveness in the market.
- Market Outperformance: Since the beginning of the year, Five Star Bancorp shares have risen approximately 13.2%, significantly outperforming the S&P 500's gain of 4.7%, indicating increased investor confidence in its future performance.
- Cautious Future Outlook: Despite the optimistic current earnings outlook, the unfavorable trend in estimate revisions has resulted in a Zacks Rank of #4 (Sell) for Five Star Bancorp, suggesting potential underperformance in the near term, prompting investors to monitor future earnings expectations closely.
See More
Five Star Bancorp Reports Q1 Net Income Growth
- Net Income Growth: In Q1 2026, Five Star Bank reported net income of $18.6 million, reflecting a 5.1% increase from $17.6 million in Q4 2025, demonstrating the company's success in seizing market opportunities.
- Earnings Per Share Increase: The basic earnings per share rose to $0.87, up 4.82% from $0.83 in Q4 2025, indicating enhanced profitability and improved shareholder returns.
- Loan and Deposit Growth: As of March 31, 2026, total loans increased by $138.5 million, or 3%, while total deposits rose by $268.3 million, or 6.39%, showcasing the company's effective strategy in expanding market share.
- Stable Capital Ratios: As of March 31, 2026, the common equity Tier 1 capital ratio stood at 10.45%, continuing to meet regulatory requirements and ensuring the company's capital adequacy and long-term stability.
See More
Five Star Bancorp Reports Q1 Net Interest Income of $43.457 Million
- Financial Performance: Five Star Bancorp reported a net interest income of USD 43.457 million for Q1.
- Quarterly Results: The financial results indicate a strong performance in the bank's interest income during the first quarter.
See More
