Five Star Bancorp (FSBC) Q3 earnings: Taking a look at key metrics versus estimates

For the quarter ended September 2026, Five Star Bancorp (FSBC) reported revenue of $52.62 million, up 27.4% over the same period last year. EPS came in at $0.92, compared to $0.77 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $51.12 million, representing a surprise of +2.93%. The company delivered an EPS surprise of +6.98%, with the consensus EPS estimate being $0.86.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Five Star Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin: 3.7% versus the four-analyst average estimate of 3.7%.
• Efficiency ratio: 39.1% versus 39.1% estimated by four analysts on average.
• Total interest-earning assets - Average Balance: $5.48 billion versus $5.37 billion estimated by two analysts on average.
• Non-interest income: $1.69 million compared to the $1.67 million average estimate based on four analysts.
• Net interest income: $50.93 million versus $49.43 million estimated by four analysts on average.
• Other: $0.38 million versus $0.21 million estimated by two analysts on average.
• Loan-related fees: $0.47 million compared to the $0.72 million average estimate based on two analysts.
• Earnings on bank-owned life insurance: $0.27 million compared to the $0.27 million average estimate based on two analysts.
• FHLB stock dividends: $0.42 million versus the two-analyst average estimate of $0.26 million.