Five Star Bancorp's Q3 net income jumps 49%, driven by loan growth

Five Star Bancorp

27/10/2025 22:54

Overview

Five Star Bancorp's Q3 net income rises to $16.3 mln, up from $14.5 mln in Q2

Net interest income for Q3 increased by $2.8 mln from Q2, driven by loan growth

The lender opened a new office in Walnut Creek, California, boosting Bay Area deposits

Outlook

Company did not provide specific guidance for future quarters or full year

Result Drivers

LOAN AND DEPOSIT GROWTH - Co attributes Q3 results to significant increases in loans and core deposits, driven by organic growth strategy

BAY AREA EXPANSION - New Walnut Creek office opened in Q3, boosting Bay Area deposits by $91.9 mln sequentially

NON-WHOLESALE DEPOSITS - Increase in non-wholesale deposits by $359 mln in the quarter, offsetting decline in wholesale deposits

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 EPS
$0.77
Q3 Net Income
$16.3 mln
Q3 Net Interest Income
$39.3 mln
Q3 Net Interest Margin
3.56%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the bank's peer group is "buy"

Wall Street's median 12-month price target for Five Star Bancorp is $35.00, about 1.7% below its October 27 closing price of $35.58

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nGNXc866yt

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)