Five Star Bancorp (NASDAQ:FSBC) Announces Quarterly Earnings Results

Five Star Bancorp (NASDAQ:FSBC) released its quarterly earnings results on Wednesday. The company reported $0.91 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.86 by $0.05, FiscalAI reports. Five Star Bancorp had a return on equity of 16.17% and a net margin of 25.92%.The company had revenue of $47.95 million during the quarter, compared to the consensus estimate of $47.72 million.

Five Star Bancorp Stock Down 2.1%

FSBC stock opened at $47.35 on Friday. Five Star Bancorp has a 52 week low of $28.34 and a 52 week high of $50.26. The company has a market cap of $1.01 billion, a PE ratio of 14.01 and a beta of 0.53. The business has a 50-day simple moving average of $45.44 and a 200 day simple moving average of $41.34.

Five Star Bancorp Dividend Announcement

The business also recently declared a quarterly dividend, which will be paid on Monday, August 10th. Investors of record on Monday, August 3rd will be given a $0.25 dividend. The ex-dividend date is Monday, August 3rd. This represents a $1.00 dividend on an annualized basis and a dividend yield of 2.1%. Five Star Bancorp’s dividend payout ratio (DPR) is presently 31.75%.

Wall Street Analysts Forecast Growth

A number of research firms recently weighed in on FSBC. Stephens upped their target price on shares of Five Star Bancorp from $41.00 to $43.00 and gave the company an “equal weight” rating in a research note on Wednesday, April 29th. DA Davidson upped their price target on Five Star Bancorp from $45.00 to $48.50 and gave the company a “buy” rating in a research report on Wednesday, April 29th. Keefe, Bruyette & Woods increased their price objective on Five Star Bancorp from $41.00 to $43.00 and gave the stock a “market perform” rating in a research note on Friday, May 1st. Finally, Weiss Ratings reissued a “buy (b)” rating on shares of Five Star Bancorp in a report on Monday, June 1st. Four research analysts have rated the stock with a Buy rating and two have issued a Hold rating to the company’s stock. According to MarketBeat, Five Star Bancorp has an average rating of “Moderate Buy” and an average price target of $42.30.

Key Stories Impacting Five Star Bancorp

Here are the key news stories impacting Five Star Bancorp this week:

• Positive Sentiment: Five Star Bancorp reported solid Q2 2026 results, with EPS of $0.91 beating estimates and revenue of about $48 million also topping expectations, suggesting healthy underlying operating performance. Five Star Bancorp Announces Second Quarter 2026 Results
• Positive Sentiment: Net income rose year over year, and the company highlighted continued growth in its banking business, which can support a constructive long-term view. Five Star Bancorp posts strong second-quarter 2026 results
• Neutral Sentiment: The company’s earnings call and prepared remarks may provide additional color on margin trends, loan growth, and capital plans, which investors will be watching for clues about earnings durability. Five Star Bancorp Q2 2026 Earnings Call Prepared Remarks Transcript
• Negative Sentiment: Five Star Bancorp launched and then priced an underwritten public offering of 2.725 million shares at $44.00 per share, expected to raise about $113.6 million, which increases share count and can pressure the stock near term. Five Star Bancorp Announces Pricing of Common Stock Offering
• Negative Sentiment: Because the offering is being used for general corporate purposes and growth investments, some investors may view it as a sign the bank wants extra capital flexibility, but the dilution concern is likely the bigger immediate market focus. Five Star Bancorp Launches Major Public Share Offering

Insider Activity

In other news, SVP Michael Eugene Lee sold 1,641 shares of the company’s stock in a transaction that occurred on Thursday, May 7th. The shares were sold at an average price of $41.26, for a total transaction of $67,707.66. Following the completion of the sale, the senior vice president owned 33,631 shares of the company’s stock, valued at approximately $1,387,615.06. This represents a 4.65% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. Also, SVP Brett Levi Wait sold 2,583 shares of the stock in a transaction that occurred on Thursday, May 14th. The stock was sold at an average price of $41.11, for a total transaction of $106,187.13. Following the sale, the senior vice president owned 17,608 shares in the company, valued at $723,864.88. This represents a 12.79% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last ninety days, insiders sold 12,692 shares of company stock worth $524,640. 21.79% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

Several institutional investors have recently modified their holdings of FSBC. Occudo Quantitative Strategies LP acquired a new stake in Five Star Bancorp during the 4th quarter worth approximately $294,000. Janus Henderson Group PLC acquired a new position in Five Star Bancorp in the 4th quarter valued at approximately $221,000. PDT Partners LLC acquired a new position in Five Star Bancorp in the 4th quarter valued at approximately $204,000. Price T Rowe Associates Inc. MD raised its stake in shares of Five Star Bancorp by 12.7% during the fourth quarter. Price T Rowe Associates Inc. MD now owns 9,334 shares of the company’s stock valued at $334,000 after acquiring an additional 1,049 shares during the last quarter. Finally, PharVision Advisers LLC acquired a new stake in Five Star Bancorp in the third quarter valued at $241,000. 46.94% of the stock is currently owned by institutional investors and hedge funds.

Five Star Bancorp Company Profile

Five Star Bancorp, Inc is the bank holding company for Five Star Bank, a community-focused financial institution serving retail and commercial customers primarily in Upstate New York. Headquartered in Rochester, the company provides a range of banking and financial services designed to meet the needs of individuals, families and businesses throughout its regional footprint.

The company’s core business activities include deposit services—such as checking, savings and money market accounts—alongside consumer and mortgage lending.