Filing Flows › Five Star Bancorp (FSBC) › Q3 2026
Five Star Bancorp (FSBC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Five Star Bancorp (FSBC) reported revenue of $52.6M for the third quarter 2026 (Q3 2026), +27% from a year earlier and +10% from the quarter before. Operating margin was 56.1%, net earnings $21.9M (41.6% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $52.6M | +10% | +27% |
| Operating profit | $29.5M | +13% | +33% |
| Net earnings | $21.9M | +13% | +34% |
| Operating cash flow | $26.6M | +12% | +42% |
| Free cash flow | $26.1M | +13% | +41% |
What changed
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.
Questions
What was Five Star Bancorp's revenue in the third quarter 2026?
Five Star Bancorp (FSBC) reported revenue of $52.6M for the third quarter 2026 (Q3 2026), +27% from a year earlier and +10% from the quarter before.
Was Five Star Bancorp profitable in the third quarter 2026?
Operating profit was $29.5M (56.1% of revenue) and net earnings $21.9M.
Source: Five Star Bancorp 10-Q on SEC EDGAR.