Five Star Bancorp Q4 net income $17.6M, EPS $0.83; dividend raised to $0.25

FIVE STAR BANCORP

2025-FY EPS reported $2.90

Q4 2025 net income $17.6M ($0.83 diluted EPS) vs $13.3M ($0.63) Q4 2024, up 32%.
Full year 2025 net income $61.6M ($2.90 EPS) vs $45.7M ($2.26) in 2024, up 35%.
Net interest margin expanded to 3.66% Q4 2025 from 3.36% a year ago; loans grew 15% YoY to $4.07B.
Quarterly dividend increased 25% to $0.25/share from $0.20; payable Feb 9, 2026 to holders of record Feb 2.
Efficiency ratio improved to 41.03% for 2025 vs 43.19% in 2024; nonperforming loans ratio rose to 0.08% from 0.05%.

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