Q2 26 EPS
$0.91
BEAT +5.81%
Est. $0.86
Q2 26 Revenue
$48.0M
BEAT +0.48%
Est. $47.7M
vs S&P Since Q2 26
-10.4%
TRAILING MARKET
FSBC -5.2% vs S&P +5.2%
Market Reaction
Did FSBC Beat Earnings? Q2 2026 Results
Five Star Bancorp delivered a convincing second-quarter 2026 performance, posting diluted earnings per share of $0.91 against a consensus estimate of $0.86, a 5.81% beat that extended the Sacramento-area bank's streak to four consecutive quarters of … Read more Five Star Bancorp delivered a convincing second-quarter 2026 performance, posting diluted earnings per share of $0.91 against a consensus estimate of $0.86, a 5.81% beat that extended the Sacramento-area bank's streak to four consecutive quarters of topping analyst EPS expectations. Revenue came in at $47.95 million, edging past the $47.72 million estimate by 0.48%, though the top line reflected a 22.6% year-over-year decline. The primary engine behind the earnings strength was a surge in organic balance sheet growth, with loans held for investment climbing $306.29 million, or 7.27%, during the quarter alone, pushing the total portfolio to $4.52 billion and lifting net interest income 26.2% year-over-year to $46.08 million. Net income rose 33.7% from a year ago to $19.40 million, even as the bank absorbed higher non-interest expenses tied to a 13.3% year-over-year headcount increase and its ongoing branch expansion, most recently adding a tenth location in Lodi. The company also declared a $0.25 quarterly cash dividend, reinforcing its commitment to returning capital alongside rapid growth.
Key Takeaways
- • Strong organic loan growth of $306.3 million (7.27%) in Q2 2026
- • Net interest income increased 26.2% year-over-year driven by higher average loan balances
- • Non-wholesale deposit growth of $463.1 million offset wholesale deposit declines
- • Net interest margin expanded 10 basis points year-over-year to 3.63%
- • Average cost of deposits declined 30 basis points year-over-year to 2.16%
- • Non-interest-bearing deposit growth of 21.62% year-over-year supported lower funding costs
- • Efficiency ratio improved year-over-year to 40.91% from 41.03%
FSBC YoY Financials
Q2 2026 vs Q2 2025, source: SEC Filings
FSBC Revenue by Segment
Business unit performance breakdown
“Five Star Bank's differentiated customer experience and reputation continue to power demand for our services. In the second quarter of 2026, we are pleased that net income increased to $19.4 million, compared to $18.6 million for the first quarter of 2026, and earnings per share increased to $0.91, up $0.04 from the first quarter of 2026 and up $0.23 from the second quarter of 2025. Net interest margin decreased by seven basis points to 3.63%. Total loans held for investment increased by $306.3 million, or 7% (approximately 29% when annualized), and total deposits increased by $330.0 million, or 7% (approximately 30% when annualized).”
— James E. Beckwith, Q2 2026 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
5 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q2 26 BEAT | $0.86 | $0.91 | +5.81% | $48.0M | +0.48% |
| 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% |