Five Star Bancorp Q4 net income $13.3M ($0.63/sh); FY net income $45.7M; loans +14.6% YoY

FIVE STAR BANCORP

2024-FY EPS reported $2.26

Q4 2024 net income $13.3M vs $10.8M in Q4 2023; diluted EPS unchanged at $0.63.
Full year 2024 net income $45.7M vs $47.7M in 2023; diluted EPS $2.26 vs $2.78, down 18.7%.
Loans held for investment grew 14.63% YoY to $3.53B; total deposits up 17.55% to $3.56B.
Net interest margin stable at 3.36% for Q4 (vs 3.37% prior Q); full year NIM 3.32% vs 3.42%.
Board declared $0.20/share dividend payable Feb 10, 2025 to holders of record Feb 3.

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