Filing Flows › Five Star Bancorp (FSBC) › Q3 2026 › vs Q3 2025
Five Star Bancorp (FSBC) Q3 2026 vs Q3 2025 (year over year)
Five Star Bancorp's revenue rose $11.3M (+27%) from $41.3M in Q3 2025 to $52.6M in Q3 2026. The biggest changes: Net interest income +$11.6M (+29%); Noninterest income −$272K (-14%). Operating margin 56.1% against 53.8% (+2.3 pts).
Five Star Bancorp, Q3 2026: revenue $52.6M (+27% year over year), operating margin 56.1%, net earnings $21.9M, operating cash flow $26.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 56.1% | 53.8% | +2.3 pts |
| Net margin | 41.6% | 39.6% | +2.1 pts |
| Free cash flow margin | 49.7% | 45.0% | +4.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $50.9M | $39.3M | $11.6M | +29% |
| Noninterest income | $1.7M | $2.0M | −$272K | -14% |
| Revenue | $52.6M | $41.3M | $11.3M | +27% |
| Operating profit | $29.5M | $22.2M | $7.3M | +33% |
| Costs & expenses | $23.1M | $19.1M | $4.0M | +21% |
| Pre-tax earnings | $29.5M | $22.2M | $7.3M | +33% |
| Credit loss provision | $2.5M | $2.5M | $0 | 0% |
| Noninterest expense | $20.6M | $16.6M | $4.0M | +24% |
| Net earnings | $21.9M | $16.3M | $5.6M | +34% |
| Income tax | $7.6M | $5.9M | $1.7M | +29% |
| Share-based compensation | $600K | $400K | $200K | +50% |
| Working capital & other | $4.1M | $2.0M | $2.0M | +100% |
| Operating cash flow | $26.6M | $18.8M | $7.8M | +42% |
| Free cash flow (OCF − capex) | $26.1M | $18.6M | $7.6M | +41% |
| Capital expenditures | $448K | $215K | $233K | +108% |
Questions
How much did Five Star Bancorp's revenue grow year over year in Q3 2026?
Five Star Bancorp's revenue rose $11.3M (+27%) from $41.3M in Q3 2025 to $52.6M in Q3 2026.
What drove Five Star Bancorp's revenue change in Q3 2026?
Net interest income +$11.6M (+29%); Noninterest income −$272K (-14%).