Five Star Bancorp Q1 net income rises 42% y/y on loan and deposit growth

Five Star Bancorp

27/04/2026 23:43

Overview

U.S. regional bank's Q1 net income and EPS rose yr/yr and sequentially

Net interest income and margin improved from both prior quarter and yr-ago period

Company raised quarterly dividend to $0.25 per share from $0.20 in prior quarters

Outlook

Company expects ongoing acceleration of growth from expansion into new industry verticals and geographies

Result Drivers

LOAN AND DEPOSIT GROWTH - Co said net interest income rose due to higher loan balances and deposit growth, with loan originations and deposit inflows driving performance

SWAP FEES AND FHLB DIVIDEND - Co said non-interest income increased mainly due to higher fees from swap referrals and a special FHLB stock dividend

EXPENSE MANAGEMENT - Co said disciplined expense management and release of SBA loan loss contingency contributed to lower efficiency ratio

Company press release: ID:nGNX38swmg

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q1 EPS
$0.87
Q1 Net Income
$18.62 mln
Q1 Net Interest Income
$43.46 mln
Q1 Net Interest Margin
3.70%


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 $42.00, about 3.7% above its April 24 closing price of $40.50

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

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(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.)