The beat and accelerating loan growth reinforce the bank's momentum; watch the webcast for forward NIM commentary and credit quality updates. Long positions may benefit from continued earnings acceleration.
Price Chart
Executive Summary
Five Star Bancorp reported Q1 2026 EPS of $0.87, beating the $0.79 consensus by 10.1%, on total revenue of $45.1M (NII + non-interest income), slightly above $44.5M estimate. Net income rose 42% YoY to $18.6M, driven by 16% loan growth and 25bp NIM expansion to 3.70%. The dividend was increased to $0.25/share.
Key Financial Metrics
Key Facts
- EPS $0.87 vs consensus $0.79 (beat 10.1%)
- Total revenue (NII + non-interest income) $45.1M vs $44.5M estimate
- Net income $18.6M, up 42% YoY
- Net interest margin 3.70%, up 25bp YoY
- Loans held for investment grew 16.3% YoY to $4.21B
- Cash dividend increased to $0.25 per share from $0.20
- Efficiency ratio improved to 38.57% from 42.58% a year ago
Financial Impact
Positive EPS surprise of ~10% with strong operating trends; stock likely to react favorably
Risk Factors
- Rising deposit costs could compress NIM if deposit competition intensifies
- Loan loss provisions increased 41% YoY, though from a low base
- Subordinated debt and elevated wholesale deposits add liability sensitivity
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3282138 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | Press Release | $44.50 | awaiting T+5 | — | $44.50 (0.00%) |
Oct 19, 2026 7d ago | 8-K | $42.69 $44.50 | ▲ +4.24% | ▲ +4.38% | $44.50 (+4.24%) |
Oct 16, 2026 10d ago | Press Release | $42.69 $44.51 | ▲ +4.26% | ▲ +4.41% | $44.50 (+4.24%) |
Oct 14, 2026 12d ago | 8-K | $42.51 $43.09 | ▲ +1.36% | ▲ +0.91% | $44.50 (+4.68%) |
Oct 13, 2026 13d ago | Press Release | $42.51 | awaiting T+5 | — | $44.50 (+4.68%) |
Sep 17, 2026 5w ago | 8-K | $44.47 $43.83 | ▼ −1.44% | ▼ −2.71% | $44.50 (+0.07%) |
Sep 10, 2026 6w ago | 8-K | $46.41 $44.47 | ▼ −4.18% | ▼ −3.96% | $44.50 (−4.12%) |
Jul 24, 2026 13w ago | Insider Cluster | $47.21 $47.31 | ▲ +0.21% | ▼ −2.30% | $44.50 (−5.74%) |
Jul 22, 2026 13w ago | Press Release | $47.35 $47.24 | ▲ +0.23% | ▲ +0.71% | $44.50 (+6.02%) |
Jul 22, 2026 13w ago | 8-K | $47.35 $47.24 | ▼ −0.23% | ▼ −0.71% | $44.50 (−6.02%) |
US Market Status
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