Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The ...
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Est. EPS $0.86 · Revenue $51.43M · 4 analysts
Est. EPS $0.86 · Revenue $53.32M · 3 analysts
Est. EPS $3.51 · Revenue $197.70M · 4 analysts
Est. EPS $0.86 · Revenue $53.90M · 1 analysts
$0.95 per share
$0.95 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $255.5M | +20.4% | +6.4% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $61.6M | +34.9% | +4.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +58.2% | +4.7% | -0.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +32.8% | +7.5% | -2.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +24.1% | +12.0% | -2.1% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $71.4M | +39.6% | +23.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +28.0% | +16.0% | +16.4% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 19.3% | -5.4% | -16.2% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.14x | +2.0% | -80.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $4.8B | +17.3% | +6.9% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 2.90 vs 2.83 | +2.5% | 0.91 vs 0.86 | +6.3% |
| Revenue Surprise | $255.5M vs $157.6M | +62.1% | $74.2M vs $51.4M | +44.3% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| 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 …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
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
