FSBC FIVE STAR BANCORP
Price Chart
Executive Summary
Five Star Bancorp reported Q1 2026 EPS of $0.87, beating consensus of $0.82 by 6.1%, and net income of $18.6M (+42% YoY). Net interest margin expanded 25bp YoY to 3.70%, loans grew 3.4% QoQ, and the efficiency ratio improved to 38.57%. The strong beat on accelerating organic growth and margin expansion is clearly bullish.
Actionable Insight
The accelerating organic growth (loans +14% annualized, deposits +26% annualized) combined with margin expansion and improving efficiency signals a powerful operating trajectory. Watch for continued net interest margin stability in a flat rate environment and any forward guidance on the earnings call tomorrow.
Key Facts
- Q1 2026 EPS $0.87 vs consensus $0.82 (6.1% beat)
- Net income $18.6M, up 42% YoY from $13.1M
- Net interest margin 3.70%, up 25bp YoY and 4bp QoQ
- Loans held for investment grew $138.5M (3.4%) QoQ to $4.21B
- Total deposits grew $268.3M (6.4%) QoQ to $4.47B
- Efficiency ratio improved to 38.57% from 42.58% a year ago
- Dividend maintained at $0.25/share, declared for Q2 2026
- Nonperforming loans to total loans improved to 0.07% from 0.08% QoQ
Financial Impact
EPS beat of $0.05 (+6.1%) on strong loan growth and margin expansion; net income up 42% YoY
Risk Factors
- Watch-list loans increased to $143.5M from $101.9M QoQ, though still manageable
- Non-interest income volatile due to venture-backed fund investments
- CET1 ratio declined to 10.45% from 10.58% due to rapid asset growth
Market Snapshot
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-027794 |
| Document: q12026investorpresentati.htm | 0001628280-26-027794 |
| Document: fsbc-20260427.htm | 0001628280-26-027794 |
| Document: 0001628280-26-027794-index-headers.html | 0001628280-26-027794 |
| Document: 0001628280-26-027794-index.html | 0001628280-26-027794 |
| Document: 0001628280-26-027794.txt | 0001628280-26-027794 |
| 8-K Data (Synthetic) | 0001628280-26-027794 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
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May 22, 2026
1d ago
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Insider Cluster
| — | awaiting T+5 | — | — |
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May 15, 2026
8d ago
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Insider Cluster
| $40.34 awaiting T+5 | awaiting T+5 | — | $41.96 (+4.02%) |
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May 6, 2026
18d ago
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Insider Cluster
| $41.31 $40.66 | ▼ −1.57% | ▼ −2.70% | $41.96 (+1.57%) |
|
Apr 28, 2026
25d ago
|
8-K
| $40.06 $40.45 | ▲ +0.96% | ▼ −0.73% | $41.96 (+4.73%) |
|
Apr 27, 2026
26d ago
|
Press Release
| $40.06 $40.45 | ▲ +0.96% | ▼ −0.73% | $41.96 (+4.73%) |
|
Apr 20, 2026
4w ago
|
8-K
| $40.76 $40.79 | ▲ +0.07% | ▼ −0.84% | $41.96 (+2.94%) |
|
Apr 17, 2026
5w ago
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Press Release
| $40.76 $40.79 | ▲ +0.07% | ▼ −0.84% | $41.96 (+2.94%) |
|
Apr 15, 2026
5w ago
|
8-K
| $40.48 $40.56 | ▲ +0.19% | ▼ −1.45% | $41.96 (+3.65%) |
|
Mar 30, 2026
7w ago
|
DEFA14A
| $37.49 $40.20 | ▲ +7.23% | ▲ +3.28% | $41.96 (+11.92%) |
US Market Status
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