Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The ...
예상 EPS $0.86 · 매출 $51.43M · 4 명의 애널리스트
예상 EPS $0.86 · 매출 $53.32M · 3 명의 애널리스트
예상 EPS $3.51 · 매출 $197.70M · 4 명의 애널리스트
예상 EPS $0.86 · 매출 $53.90M · 1 명의 애널리스트
$0.95 주당
$0.95 주당
| 지표 | 최신 | 전년 대비YoY는 Year-over-Year(전년 대비)를 의미합니다. 최근 연도 값을 이전 연도 값과 비교하여 장기 추세의 강도를 보여줍니다. | 전분기 대비QoQ는 Quarter-over-Quarter(전분기 대비)를 의미합니다. 최근 분기를 직전 분기와 비교하여 단기 모멘텀 변화를 보여줍니다. |
|---|---|---|---|
| 매출고객에게 물건을 판매하여 청구서가 지급되기 전까지 들어온 총 금액입니다. 고객의 모든 카드 결제의 총합이라고 보시면 됩니다. (YoY는 올해를 작년 성과와 비교하며, QoQ는 최근 3개월을 이전 3개월과 비교합니다). | $255.5M | +20.4% | +6.4% |
| 순이익절대적인 최종 이익입니다. 회사가 모든 공급업체, 직원, 은행, 세무 당국에 비용을 지불하고 남은 실제 금액입니다. | $61.6M | +34.9% | +4.2% |
| 매출총이익률기본적인 마진입니다. 100달러짜리 운동화를 판매한다면, 이 비율은 원료와 끈 비용을 지불한 직후의 이익이 가격의 얼마인지를 나타내며, 매장 임대료나 TV 광고 같은 비용은 제외됩니다. | +58.2% | +4.7% | -0.5% |
| 영업이익률본업의 효율성 점수입니다. 고객이 지불하는 1달러 중에서 제품을 만들고 모든 일상적인 회사 운영비(급여, 마케팅, 임대료 등)를 지불한 후 회사가 보유하는 금액을 나타냅니다. | +32.8% | +7.5% | -2.0% |
| 순이익률최종 이익 비율입니다. 모든 비용, 세금, 이자를 차감한 후, 매출 1달러 중 회사가 실제로 보유하는 정확한 액수입니다. | +24.1% | +12.0% | -2.1% |
| 잉여현금흐름기업 현금흐름의 핵심입니다. 일상적인 운영비를 지불하고 생존에 필요한 큰 설비(공장, 서버 등)에 투자한 후 남은 사용 가능한 실제 현금입니다. 배당금이나 자사주 매각에 사용될 수 있는 '자유' 현금입니다. | $71.4M | +39.6% | +23.9% |
| FCF 마진궁극의 현금 전환율입니다. 일반 매출을 즉시 사용 가능한 현금으로 얼마나 잘 전환하는지를 나타냅니다. 비율이 높을수록 현금 창출 능력이 우수합니다. | +28.0% | +16.0% | +16.4% |
| 부채/자본재무 리스크 지표입니다. 차입금으로 구축된 자산과 주주의 자기자본 비율을 비교합니다. 높으면 레버리지가 크고 위험이 큽니다. | 19.3% | -5.4% | -16.2% |
| 유동비율12개월 생존 점검입니다. 현재 보유한 현금과 즉시 현금화 가능한 자산으로 1년 내 갚아야 할 즉시 청구서를 갚을 수 있는지를 비교합니다. 1 이상이면 당장 지급에 충분합니다. | 0.14x | +2.0% | -80.3% |
| 총자산회사의 절대적인 규모입니다. 계산대의 현금, 창고의 재고, 소프트웨어 특허, 공장 등 회사가 보유한 모든 가치 있는 자산을 합친 것입니다. | $4.8B | +17.3% | +6.9% |
| 지표 | 연간 (실적 vs 추정치) | 연간 서프라이즈 | 분기 (실적 vs 추정치) | 분기 서프라이즈 |
|---|---|---|---|---|
| EPS 서프라이즈 | 2.90 vs 2.83 | +2.5% | 0.91 vs 0.86 | +6.3% |
| 매출 서프라이즈 | $255.5M vs $157.6M | +62.1% | $74.2M vs $51.4M | +44.3% |
| 날짜 | 임원 | 직책 | 증권 | 구분 | 주식 수 | 가격 |
|---|---|---|---|---|---|---|
| Aug 4, 2026 | Allbaugh Larry Eugene | director, 10 percent owner: | Common Stock | D | 50,000 | — |
| Jul 22, 2026 | Allbaugh Larry Eugene | director, 10 percent owner: | Common Stock | A | 90,909 | $44.00 |
| Jul 22, 2026 | Allbaugh Larry Eugene | director, 10 percent owner: | Common Stock | A | 5,682 | $44.00 |
| Jul 22, 2026 | Perry-Smith Robert Truxtun | director | Common Stock | A | 31,363 | $44.00 |
| Jul 22, 2026 | Deary-Bell Shannon | director | Common Stock | A | 5,682 | $44.00 |
Operator : Welcome to the Five Star Band Corps second quarter 2026 earnings webcast. Please note, this is the closed conference call and you are encouraged to listen via the webcast. Before we get started, we would like to remind you that today's meeting will include some forward-looking statements within the meeting of applicable securities laws. These forward-looking statements relate to, among other things, current plans, expectations, events, and industry trends that may affect the company's future operating results and financial position. risks and uncertainties and future activities and results may differ materially from these expectations. For more complete discussion of the risks and uncertainties that may cause actual results to differ materially from the company's forward-looking statements, please see the company's annual report on Form 10-K for the year ended December 31, 2025 and quarterly report on Form 10-Q for the three months ended March 31, 2020. and in particular, the information set forth in item 1A, risk factors in those reports. refer to slide 2 of the presentation, which includes disclaimers regarding forward-looking statements, industry data, unaudited financial data, and non-GAAP financial information included in this presentation. Reconciliations of non-GAAP financial measures to their most directly comparable GAAP figures are included in the appendix to the presentation. The presentation will be referenced during this call but not followed exactly and is available for closer viewing on the company's website under the Investor Relations tab. Please note this event is also being recorded. I would now like to turn the conference over to James Beckwith, five-star Bancorp president and CEO. Please go ahead. James Beckwith : Thank you for joining us to review Five Star Bancorp's financial results for the second quarter of 2026. These results were released yesterday and are available on our website, 5starbank.com, the Investor Relations section. Joining me today is Heather Luck, Executive Vice President and Chief Financial Officer. Before we discuss the results of the second quarter of 2026, we We wanted to note that, as you may be aware, we also announced yesterday the pricing of an underwritten public offering of shares of our common stock. Further information, when available, will be accessible in our SEC filings. As the offering has not yet settled, today we will present only financial results for the second quarter of 2026 and will not be conducting a Q&A session today. Q2 2026 was another period of strong performance. reflecting the continued execution of our organic growth strategy and the strength of our relationship-driven model. Net income increased to $19.4 million compared to $18.6 million in the first quarter of 2026. Earnings per share rose to $0.91 per share, up $0.04 from Q1 2026, and up $0.23 from the second quarter of 2025. Total loans held for investment grew by $306.3 million or 29% on an annualized …
| 이름 | 직함 | 보수 | 성별 | 출생 연도 | 상태 |
|---|---|---|---|---|---|
James Eugene Beckwith | President, Chief Executive Officer & Director | USD 1,340,794 | Male | 1958 | Active |
Don J. Kurtze | Executive Vice President & San Francisco Bay Area President | USD 620,948 | Male | 1989 | Active |
Michael Anthony Rizzo | Executive Vice President & Chief Banking Officer | USD 583,901 | Male | 1967 | Active |
John William Dalton | Senior Vice President & Chief Credit Officer | USD 453,623 | Male | 1955 | Active |
Heather Christina Luck | Executive Vice President & Chief Financial Officer | USD 437,316 | Female | 1982 | Active |
Brett Levi Wait | Senior Vice President & Chief Information Officer | — | Male | 1982 | Active |
Chris Rudberg | Senior Vice President & MD | — | Male | — | Active |
Michael Eugene Lee | Senior Vice President & Chief Regulatory Officer | — | Male | 1963 | Active |
Lydia Ann Ramirez-Medina | Executive Vice President & Chief Operating Officer | — | Female | 1982 | Active |
Shelley Ronan Wetton | Senior Vice President & Chief Marketing Officer | — | Female | 1973 | Active |
Connor Clark and Lunn Investment Management Ltd. acquired a new stake in shares of Five Star Bancorp (NASDAQ: FSBC) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor acquired 16,338 shares of the company's stock, valued at approximately $795,000. Connor Clark and
Perry-Smith's indirect equity position now stands at ~$12.52 million following the July 22 transaction, reflecting confidence in the regional bank after a 59% stock surge over the past year.
Larry Eugene Allbaugh acquired 96,591 shares for ~$4.3 million on July 22, 2026. Participation was conducted through multiple entities, including the Larry and Laura Allbaugh Living Trust, the Oates Administrative Trust, and the Buzz Oates Group of Companies.
RANCHO CORDOVA, Calif., July 27, 2026 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), announced today the full exercise and closing of the sale of 408,750 shares of Company common stock to the underwriters in its previously announced underwritten public offering, pursuant to the underwriters' option to purchase additional shares. When combined with the shares sold in the closing that occurred on July 24, 2026, the Company sold 3,133,750 shares of its common stock at a public offering price of $44.00 per share. The proceeds to the Company, after deducting underwriting discounts and commissions but before deducting offering expenses payable by the Company, were approximately $130.6 million. The Company intends to use the net proceeds of the offering for general corporate purposes and to support its continued growth, including through investments in the Bank to pursue growth opportunities, and for working capital.
Five Star Bancorp (FSBC) Q2 2026 Earnings Call Prepared Remarks Transcript
