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Five Star Bancorp (FSBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended September 2026, Five Star Bancorp (FSBC - Free Report) reported revenue of $52.62 million, up 27.4% over the same period last year. EPS came in at $0.92, compared to $0.77 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $51.12 million, representing a surprise of +2.93%. The company delivered an EPS surprise of +6.98%, with the consensus EPS estimate being $0.86.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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 four-analyst average estimate of 3.7%.
Efficiency ratio: 39.1% versus 39.1% estimated by four analysts on average.
Total interest-earning assets - Average Balance: $5.48 billion versus $5.37 billion estimated by two analysts on average.
Non-interest income: $1.69 million compared to the $1.67 million average estimate based on four analysts.
Net interest income: $50.93 million versus $49.43 million estimated by four analysts on average.
Other: $0.38 million versus $0.21 million estimated by two analysts on average.
Loan-related fees: $0.47 million compared to the $0.72 million average estimate based on two analysts.
Earnings on bank-owned life insurance: $0.27 million compared to the $0.27 million average estimate based on two analysts.
FHLB stock dividends: $0.42 million versus the two-analyst average estimate of $0.26 million.
Shares of Five Star Bancorp have returned +0.6% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Five Star Bancorp (FSBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended September 2026, Five Star Bancorp (FSBC - Free Report) reported revenue of $52.62 million, up 27.4% over the same period last year. EPS came in at $0.92, compared to $0.77 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $51.12 million, representing a surprise of +2.93%. The company delivered an EPS surprise of +6.98%, with the consensus EPS estimate being $0.86.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:View all Key Company Metrics for Five Star Bancorp here>>>
Shares of Five Star Bancorp have returned +0.6% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.