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Five Star Bancorp FSBC Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

Revenue$40.7MMiss by $1.9M
EPS$0.83Beat by $0.06
Revenue estimate$42.6M
EPS estimate$0.77

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$51.4M
EPS estimate$0.85

Financials

Q4 2025

Income statement

See full
Revenue$43.5M+23.6%
Net income$17.6M+32.5%
EPS (diluted)$0.83+31.7%

Balance sheet

See full
Cash & equivalents$506.9M+43.9%
Total debt$11.9M+73.1%
Total equity$445.8M+12.4%
Total assets$4.8B+17.3%

Cash flow

See full
Operating cash flow$20.6M+14.2%
CapEx$638.0K+502%
Free cash flow$19.9M+11.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$764.53M+19.2%
Enterprise value$269.55M-8.9%
P/E12.4×-1.6×
P/S4.8×-0.3×

Profitability

See full
Net margin38.9%+2.7pp
FCF margin45.1%+4.5pp

Returns & leverage

See full
Return on equity14.6%+1.2pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$48.0MBeat by $230.5KQ1 2026$45.1MBeat by $631.5K
Q4 2025$40.7MMiss by $1.9M
Q3 2025$41.0MMiss by $740.8KQ2 2025$38.3MMiss by $2.0MQ1 2025$35.0MMiss by $252.5K

Diluted EPS

Q2 2026$0.91Beat by $0.05Q1 2026$0.87Beat by $0.07
Q4 2025$0.83Beat by $0.06
Q3 2025$0.77Beat by $0.06Q2 2025$0.68Beat by $0.03Q1 2025$0.62Beat by $0.01

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Questions, answered.

When did Five Star Bancorp report Q4 2025 earnings?
Five Star Bancorp (FSBC) reported Q4 2025 earnings on January 26, 2026 after market close.
What were Five Star Bancorp's Q4 2025 revenue and EPS?
Five Star Bancorp reported revenue of $40.7M and eps of $0.83 for Q4 2025.
Did Five Star Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $42.6M by $1.9M. EPS beat the consensus estimate of $0.77 by $0.06.
How did Five Star Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.7% from $34.8M a year earlier and eps grew 31.7% from $0.63.
Where can I find Five Star Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-003500) and the 10-K periodic report (0001628280-26-012724) directly on SEC EDGAR. The filing index links above go to sec.gov.