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FSB Bancorp -NY Earnings Calls
| Release date | Apr 27, 2026 |
| EPS estimate | $0.80 |
| EPS actual | $0.87 |
| EPS Surprise | 8.75% |
| Revenue estimate | 44.469M |
| Revenue actual | 45.1M |
| Revenue Surprise | 1.42% |
| Release date | Jan 26, 2026 |
| EPS estimate | $0.770 |
| EPS actual | $0.83 |
| EPS Surprise | 7.79% |
| Revenue estimate | 42.577M |
| Revenue actual | 40.665M |
| Revenue Surprise | -4.49% |
| Release date | Oct 27, 2025 |
| EPS estimate | $0.710 |
| EPS actual | $0.770 |
| EPS Surprise | 8.45% |
| Revenue estimate | 41.738M |
| Revenue actual | 40.997M |
| Revenue Surprise | -1.77% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.650 |
| EPS actual | $0.680 |
| EPS Surprise | 4.62% |
| Revenue estimate | 40.337M |
| Revenue actual | 38.325M |
| Revenue Surprise | -4.99% |
Last 4 Quarters for FSB Bancorp -NY
Below you can see how FSBC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 23, 2025 |
| Price on release | $30.42 |
| EPS estimate | $0.650 |
| EPS actual | $0.680 |
| EPS surprise | 4.62% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $30.85 |
| Jul 18, 2025 | $30.12 |
| Jul 21, 2025 | $30.25 |
| Jul 22, 2025 | $30.47 |
| Jul 23, 2025 | $30.42 |
| Jul 24, 2025 | $29.67 |
| Jul 25, 2025 | $30.56 |
| Jul 28, 2025 | $31.15 |
| Jul 29, 2025 | $30.99 |
| 4 days before | -1.39% |
| 4 days after | 1.87% |
| On release day | -2.47% |
| Change in period | 0.454% |
| Release date | Oct 27, 2025 |
| Price on release | $35.58 |
| EPS estimate | $0.710 |
| EPS actual | $0.770 |
| EPS surprise | 8.45% |
| Date | Price |
|---|---|
| Oct 21, 2025 | $34.90 |
| Oct 22, 2025 | $35.15 |
| Oct 23, 2025 | $34.53 |
| Oct 24, 2025 | $35.63 |
| Oct 27, 2025 | $35.58 |
| Oct 28, 2025 | $37.23 |
| Oct 29, 2025 | $36.18 |
| Oct 30, 2025 | $35.66 |
| Oct 31, 2025 | $35.51 |
| 4 days before | 1.95% |
| 4 days after | -0.197% |
| On release day | 4.64% |
| Change in period | 1.75% |
| Release date | Jan 26, 2026 |
| Price on release | $38.80 |
| EPS estimate | $0.770 |
| EPS actual | $0.83 |
| EPS surprise | 7.79% |
| Date | Price |
|---|---|
| Jan 20, 2026 | $37.36 |
| Jan 21, 2026 | $39.64 |
| Jan 22, 2026 | $39.80 |
| Jan 23, 2026 | $38.23 |
| Jan 26, 2026 | $38.80 |
| Jan 27, 2026 | $38.58 |
| Jan 28, 2026 | $38.43 |
| Jan 29, 2026 | $39.49 |
| Jan 30, 2026 | $39.62 |
| 4 days before | 3.85% |
| 4 days after | 2.11% |
| On release day | -0.567% |
| Change in period | 6.05% |
| Release date | Apr 27, 2026 |
| Price on release | $40.79 |
| EPS estimate | $0.80 |
| EPS actual | $0.87 |
| EPS surprise | 8.75% |
| Date | Price |
|---|---|
| Apr 21, 2026 | $40.25 |
| Apr 22, 2026 | $40.56 |
| Apr 23, 2026 | $40.71 |
| Apr 24, 2026 | $40.50 |
| Apr 27, 2026 | $40.79 |
| Apr 28, 2026 | $40.31 |
| Apr 29, 2026 | $40.46 |
| Apr 30, 2026 | $40.45 |
| May 01, 2026 | $41.09 |
| 4 days before | 1.34% |
| 4 days after | 0.735% |
| On release day | -1.18% |
| Change in period | 2.09% |
FSB Bancorp -NY Earnings Call Transcript Summary of Q1 2026
Five Star Bancorp reported a strong Q1 2026 with net income of $18.6 million, EPS of $0.87 (up $0.04 sequentially), and continued balance-sheet growth driven by loans and deposits. Loans held for investment grew at a 14% annualized pace and total deposits grew 26% annualized, with non-wholesale deposits up $350.2 million offsetting an $81.9 million reduction in wholesale deposits. Net interest income rose to $43.5 million, NIM expanded modestly to 3.70%, and the average cost of deposits declined 10 basis points to 2.13%. Asset quality remained strong (nonperforming loans = 7 bps of loans), and the bank recorded a $2.7 million provision for credit losses primarily for loan growth. The company paid and declared quarterly dividends ($0.25 paid, $0.25 declared) and remains well capitalized. Management highlighted expanded geographic reach (notably Southern California hiring) and ongoing investments in talent and technology to support organic growth. Key strategic priorities are maintaining disciplined underwriting, continuing to convert broker/wholesale funding to core, relationship-driven deposits, and targeting mid-teens ROE durability via continued loan/deposit growth.
