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FSB Bancorp -NY Earnings Calls
| Release date | Oct 27, 2025 |
| EPS estimate | $0.710 |
| EPS actual | $0.768 |
| EPS Surprise | 8.17% |
| Revenue estimate | 40.348M |
| Revenue actual | 41.314M |
| Revenue Surprise | 2.39% |
| 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% |
| Release date | Apr 28, 2025 |
| EPS estimate | $0.610 |
| EPS actual | $0.620 |
| EPS Surprise | 1.64% |
| Revenue estimate | 35.27M |
| Revenue actual | 35.017M |
| Revenue Surprise | -0.716% |
| Release date | Jan 27, 2025 |
| EPS estimate | $0.590 |
| EPS actual | $0.630 |
| EPS Surprise | 6.78% |
| Revenue estimate | 34.988M |
| Revenue actual | 34.834M |
| Revenue Surprise | -0.441% |
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 | Jan 27, 2025 |
| Price on release | $30.50 |
| EPS estimate | $0.590 |
| EPS actual | $0.630 |
| EPS surprise | 6.78% |
| Date | Price |
|---|---|
| Jan 21, 2025 | $30.82 |
| Jan 22, 2025 | $30.16 |
| Jan 23, 2025 | $29.75 |
| Jan 24, 2025 | $29.86 |
| Jan 27, 2025 | $30.50 |
| Jan 28, 2025 | $30.72 |
| Jan 29, 2025 | $30.89 |
| Jan 30, 2025 | $30.60 |
| Jan 31, 2025 | $30.41 |
| 4 days before | -1.04% |
| 4 days after | -0.295% |
| On release day | 0.721% |
| Change in period | -1.33% |
| Release date | Apr 28, 2025 |
| Price on release | $27.04 |
| EPS estimate | $0.610 |
| EPS actual | $0.620 |
| EPS surprise | 1.64% |
| Date | Price |
|---|---|
| Apr 22, 2025 | $27.00 |
| Apr 23, 2025 | $27.24 |
| Apr 24, 2025 | $27.36 |
| Apr 25, 2025 | $26.99 |
| Apr 28, 2025 | $27.04 |
| Apr 29, 2025 | $27.70 |
| Apr 30, 2025 | $27.68 |
| May 01, 2025 | $27.55 |
| May 02, 2025 | $28.18 |
| 4 days before | 0.148% |
| 4 days after | 4.22% |
| On release day | 2.44% |
| Change in period | 4.37% |
| 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 | $0.768 |
| EPS surprise | 8.17% |
| 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% |
FSB Bancorp -NY Earnings Call Transcript Summary of Q3 2025
Five Star Bancorp reported a strong Q3 2025: net income $16.3M, EPS $0.77, ROAA 1.44% and ROAE 15.35%. Net interest margin modestly expanded to 3.56% while cost of total deposits declined to 2.44%; efficiency ratio was 40.13%. Loans held for investment grew $129.2M (14% annualized) driven by CRE and specialty verticals (MHC/RV, storage, ag), and the loan pipeline remains robust despite elevated payoffs/paydowns tied to the nature and seasoning of the portfolio. Total deposits increased ~ $208.8M (21% annualized) with strong core (non-wholesale) growth; wholesale deposits declined. Asset quality is strong (nonperforming loans ~5 bps), provision expense was $2.5M mainly for loan growth, and capital ratios remain well above regulatory thresholds. The board declared a $0.20/share cash dividend to be paid in November. Management opened a ninth full-service Bay Area office (Walnut Creek) and continues targeted hiring and investments (41 business development bankers) to drive organic growth across geographies and verticals. Management expects some NIM tailwind from rate cuts (near-term modest margin expansion) and targets a longer-term loan-to-deposit ratio around 95%. They remain focused on organic growth but are opportunistic on M&A only for compelling, strategic deals.
