RBB (RBB) Exceeds Expectations in Q3 Earnings and Revenue
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 21 2025
0mins
Source: NASDAQ.COM
Earnings Performance: RBB reported quarterly earnings of $0.59 per share, exceeding the Zacks Consensus Estimate of $0.41, marking a 43.90% earnings surprise. The company also surpassed revenue expectations with $32.57 million, up from $30.29 million a year ago.
Stock Outlook: Despite the positive earnings report, RBB shares have declined by 16.9% this year, underperforming the S&P 500. The stock currently holds a Zacks Rank #3 (Hold), indicating it is expected to perform in line with the market, while the industry rank remains in the bottom 35% of Zacks industries.
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Analyst Views on FSBC
Wall Street analysts forecast FSBC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FSBC is 38.00 USD with a low forecast of 37.00 USD and a high forecast of 40.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 38.430
Low
37.00
Averages
38.00
High
40.00
Current: 38.430
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 Reports Strong Q4 2025 Earnings Growth
- Significant Earnings Growth: Five Star Bancorp reported a net income of $17.6 million for Q4 2025, reflecting a 35% year-over-year increase, with earnings per share rising to $0.83, showcasing the company's strong performance in loans and deposits, thereby solidifying its market position.
- Dividend Increase: The company raised its quarterly cash dividend to $0.25 per share, an increase of $0.05, marking the first dividend hike since April 2023, which reflects management's confidence in future profitability.
- Loan and Deposit Growth: In 2025, Five Star Bank achieved a 15% growth in total loans and an 18% increase in deposits, with non-wholesale deposits rising by $738.1 million, indicating successful customer acquisition in a competitive market.
- Optimistic Future Outlook: Management anticipates a 10% growth in the balance sheet for 2026, emphasizing that sustained organic growth will be a strategic focus supported by the current team, while also monitoring capital needs and market competition.
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Five Star Bancorp (FSBC) Earnings Transcript
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