The accelerating organic growth (loans +14% annualized, deposits +26% annualized) combined with margin expansion and improving efficiency signals a powerful operating trajectory. Watch for continued net interest margin stability in a flat rate environment and any forward guidance on the earnings call tomorrow.
Price Chart
Executive Summary
Five Star Bancorp reported Q1 2026 EPS of $0.87, beating consensus of $0.82 by 6.1%, and net income of $18.6M (+42% YoY). Net interest margin expanded 25bp YoY to 3.70%, loans grew 3.4% QoQ, and the efficiency ratio improved to 38.57%. The strong beat on accelerating organic growth and margin expansion is clearly bullish.
Key Financial Metrics
Key Facts
- Q1 2026 EPS $0.87 vs consensus $0.82 (6.1% beat)
- Net income $18.6M, up 42% YoY from $13.1M
- Net interest margin 3.70%, up 25bp YoY and 4bp QoQ
- Loans held for investment grew $138.5M (3.4%) QoQ to $4.21B
- Total deposits grew $268.3M (6.4%) QoQ to $4.47B
- Efficiency ratio improved to 38.57% from 42.58% a year ago
- Dividend maintained at $0.25/share, declared for Q2 2026
- Nonperforming loans to total loans improved to 0.07% from 0.08% QoQ
Financial Impact
EPS beat of $0.05 (+6.1%) on strong loan growth and margin expansion; net income up 42% YoY
Risk Factors
- Watch-list loans increased to $143.5M from $101.9M QoQ, though still manageable
- Non-interest income volatile due to venture-backed fund investments
- CET1 ratio declined to 10.45% from 10.58% due to rapid asset growth
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-027794 |
| Document: q12026investorpresentati.htm | 0001628280-26-027794 |
| Document: fsbc-20260427.htm | 0001628280-26-027794 |
| Document: 0001628280-26-027794-index-headers.html | 0001628280-26-027794 |
| Document: 0001628280-26-027794-index.html | 0001628280-26-027794 |
| Document: 0001628280-26-027794.txt | 0001628280-26-027794 |
| 8-K Data (Synthetic) | 0001628280-26-027794 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | Press Release | — | awaiting T+5 | — | — |
Oct 19, 2026 7d ago | 8-K | $42.69 $44.50 | ▲ +4.24% | ▲ +4.38% | $44.09 (+3.28%) |
Oct 16, 2026 10d ago | Press Release | $42.69 $44.51 | ▲ +4.26% | ▲ +4.41% | $44.09 (+3.28%) |
Oct 14, 2026 12d ago | 8-K | $42.51 $43.09 | ▲ +1.36% | ▲ +0.91% | $44.09 (+3.72%) |
Oct 13, 2026 13d ago | Press Release | $42.51 | awaiting T+5 | — | $44.09 (+3.72%) |
Sep 17, 2026 5w ago | 8-K | $44.47 $43.83 | ▼ −1.44% | ▼ −2.71% | $44.09 (−0.85%) |
Sep 10, 2026 6w ago | 8-K | $46.41 $44.47 | ▼ −4.18% | ▼ −3.96% | $44.09 (−5.00%) |
Jul 24, 2026 13w ago | Insider Cluster | $47.21 $47.31 | ▲ +0.21% | ▼ −2.30% | $44.09 (−6.61%) |
Jul 22, 2026 13w ago | Press Release | $47.35 $47.24 | ▲ +0.23% | ▲ +0.71% | $44.09 (+6.88%) |
Jul 22, 2026 13w ago | 8-K | $47.35 $47.24 | ▼ −0.23% | ▼ −0.71% | $44.09 (−6.88%) |
US Market Status
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