Five Star Bancorp (FSBC) has been on a downward spiral lately with significant selling pressure. After declining 5.5% over the past four weeks, the stock looks well positioned for a trend reversal as it is now in oversold territory and there is strong agreement among Wall Street analysts that the company will report better earnings than they predicted earlier.Guide to Identifying Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a s ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number 001-40379 FIVE STAR BANCORP (Exact name of Registrant as specified in its charter) California 75-310096 ...

Investor Presentation Third Quarter 2024 FIVE STAR BANCORP Safe Harbor Statement and Disclaimer Forward-Looking Statements In this presentation, "we," "our," "us," "Five Star," or "the Company" refers to Five Star Bancorp, a California corporation, and our consolidated subsidiaries, including Five Star Bank, a California statechartered bank, unless the context indicates that we refer only to the parent company, Five Star Bancorp. This presentation contains forward-looking statements within the meaning of th ...

Five Star Bancorp (NASDAQ:FSBC) Q3 2024 Earnings Call October 29, 2024 1:00 PM ET Company Participants James Beckwith - President and Chief Executive Officer Heather Luck - Senior Vice President and Chief Financial Officer Conference Call Participants Woody Lay - KBW Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Operator Good day, everyone, and welcome to the Five Star Bancorp Third Quarter Earnings Webcast. Please note, this is a closed conference call and you are encouraged to listen via the webca ...

PRESS RELEASE FOR IMMEDIATE RELEASE Five Star Bancorp Announces Third Quarter 2024 Results RANCHO CORDOVA, CA October 28, 2024 (GLOBE NEWSWIRE) – Five Star Bancorp (Nasdaq: FSBC) ("Five Star" or the "Company"), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the "Bank"), today reported net income of $10.9 million for the three months ended September 30, 2024, as compared to $10.8 million for the three months ended June 30, 2024 and $11.0 million for the three mon ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number 001-40379 FIVE STAR BANCORP (Exact name of Registrant as specified in its charter) California 75-3100966 (St ...

Five Star Bancorp (NASDAQ:FSBC) Q2 2024 Results Conference Call July 25, 2024 1:00 PM ET Company Participants James Beckwith - President, CEO & Director Heather Luck - CFO & SVP Conference Call Participants Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Woody Lay - KBW Operator Good afternoon, everyone, and welcome to the Five Star Bancorp's Second Quarter 2024 Earnings Webcast. Please note that this is a closed conference call, you are encouraged to listen via the webcast. [Operator Instructions] Be ...

Five Star Bancorp Announces Second Quarter 2024 Results (1) See the section entitled "Non-GAAP Reconciliation (Unaudited)" for a reconciliation of this non-GAAP financial measure. The employee awards include a: • Sacramento Business Journal's Women Who Mean Business award • Sacramento Business Journal C-Suite award • National Association of Women Business Owners Outstanding Women Leader's Executive award • Independent Community Bankers of American 40 Under 40: Emerging Community Bank Leaders award The Compa ...

Core Viewpoint - Five Star Bancorp reported a net income of $10.8 million for Q2 2024, showing a slight increase from Q1 2024 but a decrease compared to Q2 2023, driven by loan growth and changes in interest income and expenses [1][10]. Financial Performance - Net income for Q2 2024 was $10.8 million, compared to $10.6 million in Q1 2024 and $12.7 million in Q2 2023 [1][10]. - Return on average assets (ROAA) was 1.23% for Q2 2024, slightly up from 1.22% in Q1 2024 but down from 1.55% in Q2 2023 [2][11]. - Return on average equity (ROAE) decreased to 11.72% in Q2 2024 from 14.84% in Q1 2024 and 19.29% in Q2 2023 [2][11]. - Pre-tax income increased to $15.2 million in Q2 2024 from $15.0 million in Q1 2024 but decreased from $17.2 million in Q2 2023 [2][11]. Loan and Deposit Growth - Total loans increased by $157.2 million, or 20.2% annualized, while total deposits rose by $193.9 million, or 26.2% annualized [2][4]. - Loans held for investment reached $3.27 billion, up 5.22% from Q1 2024 and 11.58% from Q2 2023 [19][10]. - Non-interest-bearing deposits were $825.7 million, showing a slight increase from Q1 2024 but a decrease from Q2 2023 [19][10]. Interest Income and Margin - Net interest income for Q2 2024 was $29.1 million, an increase of $2.3 million from Q1 2024 and $1.5 million from Q2 2023 [11][24]. - Net interest margin improved to 3.39% in Q2 2024 from 3.14% in Q1 2024 but decreased from 3.45% in Q2 2023 [11][24]. Capital and Dividends - The common equity Tier 1 capital ratio increased to 11.28% as of June 30, 2024, from 9.13% in Q1 2024, primarily due to the public offering [7][19]. - A cash dividend of $0.20 per share was declared for Q2 2024, consistent with the previous quarter [3][10]. Market Expansion - The company successfully executed a public offering, issuing 3,967,500 shares with net proceeds of approximately $80.9 million, supporting its growth strategy in the San Francisco Bay Area [4][7]. - The San Francisco Bay Area team increased to 19 employees, contributing $161.3 million in deposits since the expansion began in June 2023 [4][7]. Awards and Recognition - The company received multiple awards in the first half of 2024, including recognition for sustainability and performance among community banks [5][6].

Investor Contact: Heather C. Luck, Chief Financial Officer Five Star Bancorp (916) 626-5008 hluck@fivestarbank.com About Five Star Bancorp Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has seven branches in Northern California. For more information, visit https://www.fivestarbank.com. Special Note Concerning Forward-Looking Statements This press release contains forward-looking stateme ...