FSBCFIVE STAR Bancorp
FIVE STAR Bancorp (FSBC) is a regional bank focused on commercial real estate (CRE) lending, with a growing footprint in agribusiness and diversified industries. The next catalyst is Oct 26, 2026 — Q3 2026 Earnings Release, which will test the bank’s ability to sustain earnings growth amid rising interest rates and CRE portfolio stress.
- Net income for the latest reported period was $68.87M, with diluted EPS of $0.91.
- Free cash flow (TTM) stands at $145.17M, reflecting strong liquidity.
- Shareholders’ equity is $445.83M, indicating a solid capital base.
The Read
FSBC historically moves about 9%.6% on macro catalysts like the June 17 FOMC meeting, where strong earnings, disciplined CRE underwriting, and strategic expansion drove a 6.6% rally, while earnings beats have sparked even larger 12.5% gains.
The schedule
- Mon26Oct
The earnings release will test whether the bank can maintain its margin expansion and credit quality, which were key drivers in the last Q1 print. This quarter’s results will also highlight the impact of rising interest rates on net interest income.
- Wed20Jan
This release will test the bank’s ability to sustain its earnings momentum and provide forward guidance on loan growth and credit quality. The market will be watching for any signs of stress in the loan portfolio or margin compression.
- Thu6May
The earnings release will test the bank’s ability to maintain its margin expansion and credit quality, which were key drivers in the last Q1 print. This quarter’s results will also highlight the impact of rising interest rates on net interest income.
- Thu5Aug
This release will test the bank’s ability to sustain its earnings momentum and provide forward guidance on loan growth and credit quality. The market will be watching for any signs of stress in the loan portfolio or margin compression.
Past
- Thu6Aug
Actual outcome: Mixed · $46.08 at outcome
Five Star Bancorp reported Q2 2026 EPS of $0.88, exactly matching analyst estimates. With no major surprises in the earnings release and recent capital raises already priced in, the stock saw a muted reaction, falling just 0.8% as investors digested the in-line results and commercial real estate asset quality metrics.
Quarterly earnings report evaluating net interest margin execution and commercial real estate asset quality.
- Wed17Jun
Actual outcome: Bull · $45.84 at outcome
Five Star Bancorp shares exceeded the bull target, driven by strong underlying fundamentals and strategic expansion efforts. The positive momentum was supported by the bank's robust earnings growth, disciplined commercial real estate underwriting with low loan-to-value ratios, and the opening of a new branch in Lodi to serve the Central Valley agribusiness sector. This operational strength, combined with a favorable macroeconomic backdrop following the FOMC meeting, fueled the stock's continued rally.
Federal Reserve FOMC Meeting & Rate Signal.
- Thu7May
Actual outcome: Bull · $41.09 at outcome
Five Star Bancorp reported Q1 2026 earnings of $0.87 per share, beating the consensus estimate of $0.80 and improving upon the $0.62 earned in the prior year. This fundamental outperformance, coupled with a rebound from technically oversold conditions (RSI 29.7), provided the momentum necessary for the stock to clear its $39.50 bull target and sustain gains through the run date.
First quarter results following a period of technical oversold conditions (RSI 29.7).
