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Five Star Bancorp (FSBC) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Five Star Bancorp (FSBC) Q3 2026 earnings results →

Q3 2026 Revenue up 27% year over year to $52.6M · 42¢ of every $1 of revenue kept as net profit · operating margin 56.1%

Five Star Bancorp made $52.6M in Q3 2026 (+27% Y/Y): Net interest income $50.9M, Noninterest income $1.7M. Operating margin 56.1%, net earnings $21.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$52.6M
Year over year+27%
Operating margin56.1%
Net earnings$21.9M
Operating cash flow$26.6M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $52.6M in Q3 2026, up 27% year over year and up 10% from the previous quarter. Net interest income was the largest line at 97% of revenue. Net interest income added $11.6M year over year (up 29%), 102% of the total change. Noninterest income declined 14%.

Operating profit was $29.5M, a 56.1% margin (up 2.3 points year over year). Of the extra revenue versus a year earlier, 65% reached operating profit, above the 54% margin then. Total costs grew 21% against revenue growth of 27%. The fastest-growing cost line was Noninterest expense (+24%). Net earnings were $21.9M, up 34% year over year. The effective tax rate was 25.8%.

Operating cash flow was $26.6M (up 42% year over year), 121% of net earnings. Non-cash charges added back $600K of share-based compensation. Working capital and other items added $4.1M. Capital expenditures of $448K left free cash flow of $26.1M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$52.6M+27%56.1%$21.9M$26.6M

Charts

Five Star Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Five Star Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$819MOther financing$721MShares issued$130MCash drawn (+) / kept (−)−$99.0MOperating cash flow$89.8MDividends−$21.1MCapital spending−$1.7M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Five Star Bancorp: profit against cash, quarter by quarterFive Star Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$13.3M$18.0MQ4 2024$13.1M$15.5MQ1 2025$14.5M$17.8MQ2 2025$16.3M$18.8MQ3 2025$17.6M$20.6MQ4 2025$18.6M$18.9MQ1 2026$19.4M$23.7MQ2 2026$21.9M$26.6MQ3 2026
Latest (Q3 2026): Net income $21.9M, Operating cash flow $26.6M.
Five Star Bancorp: diluted shares by fiscal yearFive Star Bancorp: diluted shares by fiscal year10MFY202015MFY202117MFY202217MFY202320MFY202421MFY2025
+111.4% since FY2020: more shares outstanding (issuance, stock pay).
Five Star Bancorp in its industry: growth against margin (133 companies, SIC 6022)Five Star Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFFSBC (+27%, 56%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Five Star Bancorp

Headquartered in the greater Sacramento metropolitan area of California, Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Bank began operations on December 20, 1999. Bancorp was incorporated on September 16, 2002 and became the sole shareholder of the Bank on June 2, 2003. Our executive offices are located at 3100 Zinfandel Drive, Suite 100, Rancho Cordova, California 95670 and our telephone number is (916) 626-5000. Our website address is https://www.fivestarbank.com. Information on our website should not be considered a part of this Annual Report on Form 10-K.

In its own words, from its 10-K, filed Feb 27, 2026.

Five Star Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +27% against the peers' median +12%. Operating margin: 56.1% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
FSBC Five Star BancorpQ3 2026$52.6M+27%56.1%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Five Star Bancorp 10-Q on SEC EDGAR · CIK 1275168 · State Commercial Banks

Guidance and outlook

Five Star Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Five Star Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Other9Legal & regulation2Costs2The economy2Financing2Demand1Buybacks & dividends1
19 statements; tone +0.16 (−1 all cautious, +1 all confident); 3 hedged.
Five Star Bancorp: outlook statements against the filing beforeFive Star Bancorp: outlook statements against the filing beforeConfident5Cautious2

13F: who owns FSBC and who is buying

Largest holders of FSBC (13F)Largest holders of FSBC (13F)T. Rowe Price Investment Manageme…$100MDavis Asset Management, L.P.$73.6MBlackRock$64.8MVanguard Group$33.0MVanguard Capital Management LLC$31.7MAmerican Century Companies$25.8MGeode Capital Management, LLC$23.2MCaptrust Financial Advisors$22.7MFranklin Resources$21.0MDimensional Fund Advisors LP$18.7M
Funds' net buying of FSBC by quarter (13F)Funds' net buying of FSBC by quarter (13F)−$3.3M2024-09−$6.7M2024-12$4.1M2025-03$2.1M2025-06−$697K2025-09$12.5M2025-12$203K2026-03$26.3M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FSBC

History

Every quarter: Q3 2026 results

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