Five Star Bancorp (FSBC) Earnings History
Steady Earner10 years of earnings data (2016–2025) · Positive but moderate multi-year EPS trajectory
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Five Star Bancorp (FSBC) Earnings Overview
As of June 29, 2026, Five Star Bancorp (FSBC) reported trailing twelve-month net income of $67M, reflecting +28.3% year-over-year growth. The company earned $2.90 per diluted share over the past four quarters, with a net profit margin of 24.1%.
Looking at the long-term picture, FSBC's 5-year EPS compound annual growth rate (CAGR) stands at +5.6%, showing solid earnings momentum. The company achieved its highest annual net income of $62M in fiscal 2025, representing a new all-time high.
Five Star Bancorp maintains industry-leading profitability with a gross margin of 58.2%, operating margin of 32.8%, and net margin of 24.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CVBF ($209M net income, 32.5% margin), WAFD ($252M net income, 16.0% margin), BANR ($205M net income, 23.8% margin), FSBC has room to improve margins relative to the peer group. Compare FSBC vs CVBF →
FSBC Earnings vs Peers
Earnings metrics vs comparable public companies
FSBC Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $62M | +34.9% | $84M | $2.90 | 24.1% | 32.8% |
| 2024 | $46M | -4.3% | $65M | $2.26 | 21.5% | 30.5% |
| 2023 | $48M | +6.5% | $67M | $2.78 | 26.4% | 36.9% |
| 2022 | $45M | +5.6% | $63M | $2.61 | 36.2% | 50.8% |
| 2021 | $42M | +18.1% | $47M | $2.83 | 48.3% | 53.7% |
| 2020 | $36M | +22.6% | $37M | $2.21 | 43.3% | 44.9% |
| 2019 | $29M | +13786.3% | $30M | $15.80 | 42.1% | 43.6% |
| 2018 | $211,000 | -75.3% | $618,000 | $0.11 | 703.3% | 2060.0% |
| 2017 | $854,000 | +66.5% | $1M | $0.45 | 11.9% | 15.9% |
| 2016 | $513,000 | - | $649,000 | $0.27 | 7.4% | 9.4% |
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FSBC — Frequently Asked Questions
Quick answers to the most common questions about buying FSBC stock.
What is FSBC earnings per share (EPS)?
FSBC trailing twelve-month (TTM) diluted EPS is $2.90, reflecting +28.3% year-over-year growth. The 5-year EPS CAGR is +5.6%. Complete EPS history from 2016 to 2025 is available in the table on this page.
What is Five Star Bancorp's net income?
Five Star Bancorp (FSBC) trailing twelve-month net income is $67M as of 2025. Earnings grew +28.3% year-over-year. Five Star Bancorp has been profitable for 10 consecutive years.
Is FSBC profitable?
Yes, FSBC is profitable with a TTM net income of $67M and a net profit margin of +24.1%. Five Star Bancorp has generated profits for 10 consecutive years.
What is FSBC's earnings growth rate?
FSBC compound annual EPS growth rates (CAGR): 1-Year: +28.3%, 3-Year: +3.6%, 5-Year: +5.6%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2016 to 2025.
What are FSBC's profit margins?
Five Star Bancorp net profit margin is +24.1%, operating margin is +32.8%, and gross margin is +58.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +14.6%.
Is FSBC growing earnings?
Yes, FSBC earnings are accelerating — EPS growth of +28.3% exceeds the 5-year CAGR of +5.6%. TTM net income reached $67M. Earnings momentum is strengthening.
What was FSBC's best earnings year?
Five Star Bancorp's highest annual net income on record is $62M, achieved in fiscal year 2025. Earnings history on this page spans 2016 to 2025 and includes all annual and quarterly figures.
What were FSBC's earnings last quarter?
FSBC's most recent reported quarter was Q1 2026. Net income was $19M with diluted EPS of $0.87. For a full breakdown of all quarters, see the quarterly earnings table on this page.