Five Star Bancorp's Q4 net income rises 32%

Five Star Bancorp

26/01/2026 23:42

Overview

Banking firm's Q4 net income rose to $17.6 mln, up from $13.3 mln last year

Net interest income for Q4 increased, driven by loan growth and yield improvement

Company announced increased dividend for the quarter

Outlook

Five Star Bancorp plans to manage expenses and execute conservative underwriting practices in 2026

Company aims to expand market presence and build verticals in 2026

Result Drivers

LOAN AND DEPOSIT GROWTH - Co reported 15% increase in total loans and 18% increase in total deposits year-over-year, contributing to higher net interest income

NET INTEREST MARGIN - Improved net interest margin sequentially due to better loan yields and reduced cost of funds

CREDIT LOSS PROVISION - Increase in provision for credit losses due to loan growth and unemployment rate forecast

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.83
Q4 Net Income
$17.64 mln
Q4 Net Interest Income
$42.10 mln
Q4 Net Interest Margin
3.66%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for Five Star Bancorp is $40.00, about 3.1% above its January 26 closing price of $38.80

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

Press Release: ID:nGNX25qNDH

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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.)