FSBC Q4 2025 Earnings
Reported Jan 26, 2026 at 6:53 PM ET · SEC Source
Q4 25 EPS
$0.83
BEAT +8.92%
Est. $0.76
Q4 25 Revenue
$43.5M
BEAT +2.09%
Est. $42.6M
vs S&P Since Q4 25
+17.4%
BEATING MARKET
FSBC +22.8% vs S&P +5.5%
Full Year 2025 Results
FY 25 EPS
$2.90
FY 25 Revenue
$158.4M
Market Reaction
Did FSBC Beat Earnings? Q4 2025 Results
Five Star Bancorp closed out 2025 on a strong note, posting fourth-quarter earnings per share of $0.83 against a consensus estimate of $0.76, a beat of 8.92%, while revenue of $43.47 million edged past the $42.58 million forecast by 2.09%. The headli… Read more Five Star Bancorp closed out 2025 on a strong note, posting fourth-quarter earnings per share of $0.83 against a consensus estimate of $0.76, a beat of 8.92%, while revenue of $43.47 million edged past the $42.58 million forecast by 2.09%. The headline revenue figure reflected a 26.4% year-over-year decline, but the story underneath was more constructive: net interest margin expanded 30 basis points year-over-year to 3.66%, driven by robust loan and deposit growth paired with a meaningful drop in deposit funding costs, as the average cost of total deposits fell from 2.58% to 2.23%. Net income surged 32.48% from the year-ago quarter to $17.64 million, underscoring the operating leverage the Sacramento-based bank has built through disciplined organic growth. Analysts have responded positively, with a consensus moderate buy rating and an average price target of $40.00. Looking ahead, management is guiding for roughly 10% growth in both loans and deposits in 2026, supported by an expanded business development team and a new Agribusiness vertical, while a raised quarterly dividend of $0.25 per share signals confidence in the outlook.
Key Takeaways
- • Net interest margin expanded to 3.66% in Q4 2025, up 30 basis points year-over-year
- • Loan growth of $542.2 million, or 15%, year-over-year driven by $1.4 billion in originations
- • Total deposit growth of $643.1 million, or 18%, with non-wholesale deposits up $738.1 million or 25%
- • Average cost of total deposits decreased 35 basis points year-over-year to 2.23%
- • Efficiency ratio improved to 41.03% for full year 2025 from 43.19% in 2024
- • Headcount increased 13.66% supporting business development expansion
- • Federal Reserve rate cuts contributed to lower funding costs
FSBC YoY Financials
Q4 2025 vs Q4 2024, source: SEC Filings
FSBC Revenue by Segment
Business unit performance breakdown
“We proudly look back on 2025 as an outstanding year of achievement and are pleased to have experienced exceptional organic growth across all of the markets we serve, and consistent, strong financial performance. In 2025, Five Star Bank achieved year-over-year growth in total loans and total deposits. Total loans held for investment increased by $542.2 million, or 15%, and total deposits increased by $643.1 million, or 18%.”
— James E. Beckwith, Q4 2025 Earnings Press Release
FSBC Earnings Trends
FSBC vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
FSBC EPS Trend
Earnings per share: estimate vs actual
FSBC Revenue Trend
Quarterly revenue: estimate vs actual
FSBC Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 BEAT | $0.79 | $0.87 | +10.41% | $45.1M | +1.42% |
| Q4 25 BEAT FY | $0.76 | $0.83 | +8.92% | $43.5M | +2.09% |
| FY Full Year | — | $2.90 | — | $158.4M | — |
| Q3 25 BEAT | $0.71 | $0.77 | +8.76% | $41.3M | +2.39% |
| Q2 25 BEAT | $0.64 | $0.68 | +7.09% | $38.3M | +1.83% |