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Five Star (FSBC)
NASDAQ:FSBC
Earnings Data
Report Date
Apr 28, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.59Last Year’s EPS
0.62Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 27, 2025
|% Change Since: 3.60%
|Next Earnings Date:Apr 28, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a strong year for Five Star Bancorp with significant achievements in market expansion and deposit growth, alongside solid asset quality and capital position. However, there were challenges with increased expenses, decreased non-interest income, and a few other negative financial metrics.Company Guidance
During the fourth quarter and the year-end call, Five Star Bancorp provided detailed guidance on various financial metrics. The company reported a net income of $13.3 million for the quarter and $45.7 million for the year, with a return on average assets of 1.31% for the quarter and 1.23% for the year. Their return on average equity was 13.48% for the quarter and 12.72% for the year. The net interest margin slightly decreased to 3.36% for the quarter from 3.37% in the prior quarter, while the annual net interest margin was 3.32%. Loan originations reached $263.3 million in the fourth quarter, and deposits increased by $158 million or 4.65% during the same period. The bank maintained a low level of non-performing loans at 0.05% of loans held for investment. Additionally, Five Star Bancorp paid a $0.20 per share dividend each quarter in 2024 and declared a similar dividend for the first quarter of 2025. The company expressed confidence in achieving an 8% growth in both loans and deposits in 2025, emphasizing their strategic focus on market expansion, especially in the San Francisco Bay Area.San Francisco Market Expansion
Successful continuation of San Francisco market expansion including a new full-service office and 18 seasoned professionals added in 2024.
Strong Deposit Growth
Non-wholesale deposits grew by $331.3 million during 2024, with total deposits increasing by $531.1 million or 17.55% year-over-year.
Loan Growth
Loans held for investment increased by $72.1 million or 2.08% from the prior quarter and $451 million or 14.63% year-over-year.
Asset Quality
Non-performing loans remained low at 0.05% of loans held for investment, with an allowance for credit losses at 1.07% of total loans.
Capital Position
Strong capital position with a common equity Tier 1 ratio increase from 10.93% to 11.2% between September 30, 2024, and December 31, 2024.
Awards and Recognition
The bank received multiple awards including the 2023 Raymond James Community Bankers Cup and recognition from S&P Global Market Intelligence.
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FSBC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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FSBC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 27, 2025 | $30.30 | $30.52 | +0.73% |
| Oct 28, 2024 | $30.09 | $29.70 | -1.30% |
| Jul 24, 2024 | $27.79 | $28.64 | +3.06% |
| Apr 29, 2024 | $20.96 | $20.99 | +0.14% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Five Star (FSBC) report earnings?
Five Star (FSBC) is schdueled to report earning on Apr 28, 2025, TBA Not Confirmed.
What is Five Star (FSBC) earnings time?
Five Star (FSBC) earnings time is at Apr 28, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FSBC EPS forecast?
FSBC EPS forecast for the fiscal quarter 2025 (Q1) is 0.59.
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