Five Star Bancorp (FSBC Quick QuoteFSBC - Free Report) reported $45.1 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 27.6%. EPS of $0.87 for the same period compares to $0.62 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $44.4 million, representing a surprise of +1.59%. The company delivered an EPS surprise of +9.09%, with the consensus EPS estimate being $0.80.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Five Star Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin: 3.7% versus the three-analyst average estimate of 3.7%.
• Efficiency ratio: 38.6% compared to the 41% average estimate based on three analysts.
• Total interest-earning assets - Average Balance: $4.76 billion versus $4.71 billion estimated by two analysts on average.
• Non-interest income: $1.64 million versus $1.48 million estimated by three analysts on average.
• Net interest income: $43.46 million versus $42.92 million estimated by three analysts on average.

View all Key Company Metrics for Five Star Bancorp here>>>

Shares of Five Star Bancorp have returned +9.1% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.