Compared to Estimates, Five Star Bancorp (FSBC) Q4 Earnings: A Look at Key Metrics

Core Viewpoint - Five Star Bancorp (FSBC) demonstrated strong financial performance in the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was reported at $43.47 million, marking a year-over-year increase of 23.7% [1] - EPS for the same period was $0.83, compared to $0.63 a year ago, reflecting a positive growth trend [1] - The reported revenue exceeded the Zacks Consensus Estimate of $42.25 million by 2.88% [1] - The EPS also surpassed the consensus estimate of $0.77 by 7.79% [1] Key Metrics - Efficiency ratio stood at 40.6%, slightly better than the average estimate of 40.9% based on two analysts [4] - Net interest margin was reported at 3.7%, above the average estimate of 3.6% from two analysts [4] - Non-interest income was $1.4 million, slightly below the estimated $1.5 million [4] - Net interest income reached $42.07 million, exceeding the average estimate of $40.75 million [4] Stock Performance - Shares of Five Star Bancorp have returned +4.7% over the past month, outperforming the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]