Five Star Bancorp (FSBC) Net Margin (2020 - 2026)
Five Star Bancorp's (FSBC) quarterly Net Margin came in at 42.58% in Q1 2026, up 548.0% YoY from 6.57% in Q1 2025, and up 228.26% on a QoQ basis from 12.97% in Q4 2025.
Five Star Bancorp (FSBC) Net Margin (2020 - 2026) Analysis & Trends
Five Star Bancorp (FSBC) has 7 years of Net Margin data on file, last reported at 42.58% in Q1 2026.
- Quarterly Net Margin rose 548.0% year-over-year to 42.58% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 25.85% (down 977.0% YoY) and the FY2025 annual result came in at 38.54%, up 234.0% from the prior year.
- Net Margin grew to 42.58% in Q1 2026, from 12.97% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 49.77% in Q1 2022 to a low of 12.97% in Q4 2025.
- A 5-year average of 37.44% and a median of 37.69% in 2025 frame the typical range for Net Margin.
- Annual changes were most pronounced in 2023 — Net Margin jumped 941 bps — and 2025, when it tumbled 2264 bps.
- Tracing FSBC's Net Margin over 5 years: stood at 30.02% in 2022, then grew by 19 bps to 35.69% in 2023, then declined by 0 bps to 35.61% in 2024, then sank by 64 bps to 12.97% in 2025, then soared by 228 bps to 42.58% in 2026.
- The last three Net Margin figures came in at 42.58% (Q1 2026), 12.97% (Q4 2025), and 39.48% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.84 Bn | 84.64 Bn | - | - |
| 2 | Pnc Financial Services | 97.71 Bn | 97.71 Bn | - | 28.41% |
| 3 | Us Bancorp | 95.81 Bn | 95.81 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.64 Bn | -144.45 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.90 Bn | -81.41 Bn | - | 25.60% |
| 7 | Nu Holdings | 71.12 Bn | 57.43 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.49 Bn | 61.49 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.53 Bn | 25.81 Bn | - | 23.30% |
| 10 | Five Star Bancorp | 949.88 Mn | 264.81 Mn | - | 39.67% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 39.67% |
| Mar 31, 2026 | 42.58% |
| Dec 31, 2025 | 12.97% |
| Sep 30, 2025 | 39.48% |
| Jun 30, 2025 | 37.69% |
| Mar 31, 2025 | 37.10% |
| Dec 31, 2024 | 35.61% |
| Sep 30, 2024 | 34.44% |
| Jun 30, 2024 | 35.16% |
| Mar 31, 2024 | 39.66% |
| Dec 31, 2023 | 35.69% |
| Sep 30, 2023 | 38.27% |
| Jun 30, 2023 | 46.98% |
| Mar 31, 2023 | 43.12% |
| Dec 31, 2022 | 30.02% |
| Sep 30, 2022 | 40.39% |
| Jun 30, 2022 | 37.58% |
| Mar 31, 2022 | 49.77% |
| Dec 31, 2021 | 45.62% |
| Sep 30, 2021 | 50.26% |