Five Star Bancorp Q2 net income rises on loan growth

Five Star Bancorp

22/07/2026 21:14

    

    Overview
  
US regional bank's Q2 net income and EPS rose yr/yr and sequentially
Q2 net interest income and margin rose yr/yr, margin dipped from prior qtr
Company cites loan and deposit growth as key drivers of quarterly results

    

    Outlook
  
Company did not provide specific guidance or outlook for the current or future periods

    

    Result Drivers
  
LOAN AND DEPOSIT GROWTH - Co said increases in loans and deposits were primary drivers of net interest income growth
MARGIN PRESSURE - Net interest margin declined from prior qtr as rapid balance sheet expansion diluted yields, with growth described as primarily volume driven
LOWER CREDIT LOSS PROVISION - Provision for credit losses decreased due to lower loss estimates and strong loan growth in lower-risk pools

    
Company press release: ID:nGNX2XKsgY

    

    Key Details
  

            Metric
          

            Beat/Miss
          

            Actual
          

            Consensus Estimate
          
Q2 EPS
 
$0.91
 
Q2 Net Income
 
$19.4 mln
 
Q2 Net Interest Income
 
$46.08 mln
 
Q2 Net Interest Margin
 
3.63%
 

    

    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 $47.00, about 4.7% below its July 21 closing price of $49.33
The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 11 three months ago

    

    Reuters Recommended Reads
  
July 21 - Western Alliance Bancorp Q2 net income rises on loan growth
July 21 - Northpointe Bancshares Q2 profit rises on loan growth
July 21 - KeyCorp quarterly profit rises on interest income strength

    
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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.)