Five Star Bancorp (FSBC) Q3 2025 Earnings Call Transcript
Net Income $16.3 million, with no year-over-year change explicitly mentioned.
Earnings Per Share (EPS) $0.77, with no year-over-year change explicitly mentioned.
Return on Average Assets (ROAA) 1.44%, with no year-over-year change explicitly mentioned.
Return on Average Equity (ROAE) 15.35%, with no year-over-year change explicitly mentioned.
Net Interest Margin (NIM) 3.56%, expanded by 3 basis points from the previous quarter.
Cost of Total Deposits 2.44%, declined by 2 basis points from the previous quarter.
Efficiency Ratio 40.13%, with no year-over-year change explicitly mentioned.
Loans Held for Investment Increased by $129.2 million or 14% on an annualized basis, attributed to organic growth strategy.
Total Deposits Increased by $208.8 million or 21% on an annualized basis, with non-wholesale deposits increasing by $359 million (11%) and wholesale deposits decreasing by $150.2 million (23%).
Nonperforming Loans Represented 5 basis points of total loans held for investment, declined by $149,000 during the quarter due to conservative underwriting practices and robust monitoring.
Provision for Credit Losses $2.5 million, primarily due to loan growth.
Total Assets Increased by $228.3 million, largely driven by loan growth within the commercial real estate portfolio, which grew by $77.7 million.
Net Interest Income Increased by $2.8 million from the previous quarter, driven by a $4.3 million increase in interest income from new loan production at higher rates, partially offset by a $1.4 million increase in interest expense.
Noninterest Income Increased to $2 million from $1.8 million in the previous quarter, primarily due to an increase in swap referral fees, partially offset by no gain on sale of loans.
Noninterest Expense Grew by $900,000, primarily due to an increase in salaries and employee benefits related to increased headcount and Bay Area expansion.
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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.
Five Star Bancorp (FSBC) Earnings Transcript
Five Star Bancorp (FSBC) Earnings Call Transcript
Five Star Bancorp Declares $0.25 Cash Dividend Per Share
- Dividend Announcement: Five Star Bancorp has declared a cash dividend of $0.25 per share, expected to be paid on February 9, 2026, indicating the company's continued strong financial performance and boosting investor confidence.
- Dividend Increase: This dividend marks a $0.05 increase from the previous payout, representing the first rise since April 2023, reflecting the company's successful organic growth strategy and commitment to clients and community partners.
- Shareholder Returns: The dividend will be paid to shareholders of record as of February 2, 2026, further solidifying the relationship between the company and its shareholders while enhancing market expectations for future performance.
- Company Background: Headquartered in Rancho Cordova, California, Five Star Bank operates nine branches and is dedicated to providing quality financial services, showcasing its competitive position in the local market.
Five Star Bancorp to Report Q4 and FY 2025 Results on January 26, 2026
- Earnings Release Schedule: Five Star Bancorp is set to report its quarterly and annual financial results for the year ended December 31, 2025, after market close on January 26, 2026, reflecting the company's commitment to transparency and timely information disclosure.
- Live Webcast Meeting: Management will host a live webcast on January 27, 2026, at 1:00 PM ET to review the financial results with analysts and investors, enhancing engagement and communication with stakeholders.
- Information Access Channels: The webcast will be accessible via the 'News & Events' section of the company’s website, ensuring that investors can easily obtain the latest information, thereby improving accessibility and transparency.
- Company Background Overview: Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, which has nine branches in Northern California, demonstrating a solid foundation in the local market.
Daily Upgrade Report for Validea Motley Fool Strategy - December 18, 2025
Validea's Small-Cap Growth Investor Model: Today's upgrades for Validea's Small-Cap Growth Investor model highlight Five Star Bancorp (FSBC), which saw its rating increase from 53% to 80% based on strong fundamentals and valuation, indicating growing interest in the stock.
Company Overview: Five Star Bancorp operates through its subsidiary, Five Star Bank, providing a range of banking services primarily to small and medium-sized businesses and individuals in Northern California, focusing on commercial lending and various deposit products.
Motley Fool's Influence: The investment strategy is based on the principles of Motley Fool, founded by David and Tom Gardner, who provide insights on investing and personal finance through various media, including a popular website and subscription services.
Validea's Research Service: Validea offers investment research based on the strategies of renowned investors like Warren Buffett and Benjamin Graham, aiming to provide stock analysis and model portfolios that have historically outperformed the market.
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.
Five Star Bancorp (FSBC) Earnings Transcript
Five Star Bancorp (FSBC) Earnings Call Transcript
Five Star Bancorp Declares $0.25 Cash Dividend Per Share
- Dividend Announcement: Five Star Bancorp has declared a cash dividend of $0.25 per share, expected to be paid on February 9, 2026, indicating the company's continued strong financial performance and boosting investor confidence.
- Dividend Increase: This dividend marks a $0.05 increase from the previous payout, representing the first rise since April 2023, reflecting the company's successful organic growth strategy and commitment to clients and community partners.
- Shareholder Returns: The dividend will be paid to shareholders of record as of February 2, 2026, further solidifying the relationship between the company and its shareholders while enhancing market expectations for future performance.
- Company Background: Headquartered in Rancho Cordova, California, Five Star Bank operates nine branches and is dedicated to providing quality financial services, showcasing its competitive position in the local market.
Five Star Bancorp to Report Q4 and FY 2025 Results on January 26, 2026
- Earnings Release Schedule: Five Star Bancorp is set to report its quarterly and annual financial results for the year ended December 31, 2025, after market close on January 26, 2026, reflecting the company's commitment to transparency and timely information disclosure.
- Live Webcast Meeting: Management will host a live webcast on January 27, 2026, at 1:00 PM ET to review the financial results with analysts and investors, enhancing engagement and communication with stakeholders.
- Information Access Channels: The webcast will be accessible via the 'News & Events' section of the company’s website, ensuring that investors can easily obtain the latest information, thereby improving accessibility and transparency.
- Company Background Overview: Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, which has nine branches in Northern California, demonstrating a solid foundation in the local market.
Daily Upgrade Report for Validea Motley Fool Strategy - December 18, 2025
Validea's Small-Cap Growth Investor Model: Today's upgrades for Validea's Small-Cap Growth Investor model highlight Five Star Bancorp (FSBC), which saw its rating increase from 53% to 80% based on strong fundamentals and valuation, indicating growing interest in the stock.
Company Overview: Five Star Bancorp operates through its subsidiary, Five Star Bank, providing a range of banking services primarily to small and medium-sized businesses and individuals in Northern California, focusing on commercial lending and various deposit products.
Motley Fool's Influence: The investment strategy is based on the principles of Motley Fool, founded by David and Tom Gardner, who provide insights on investing and personal finance through various media, including a popular website and subscription services.
Validea's Research Service: Validea offers investment research based on the strategies of renowned investors like Warren Buffett and Benjamin Graham, aiming to provide stock analysis and model portfolios that have historically outperformed the market.
