Education
About Us
Working with TipRanks
Follow Us
Rbb Bancorp (RBB)
NASDAQ:RBB
Earnings Data
Report Date
Apr 27, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.45Last Year’s EPS
0.13Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented numerous substantive improvements: strong YoY earnings growth, solid loan growth and originations, meaningful reductions in nonperforming assets and criticized/classified loans, and improved funding costs and capital returns. Management acknowledged remaining credit work (a few large NPLs, including a partial construction project), deposit competition and deposit-cost pressure, near-term repricing of subordinated debt, and some muted margin expansion in Q4. Overall, the positive operational and credit trends and capital actions outweigh the headwinds, but the company faces near-term funding and repricing challenges that management is actively addressing.Company Guidance
Net Income and EPS Improvement
Q4 net income of $10.2 million, or $0.59 diluted EPS, stable vs Q3 and more than double year-ago quarter results (>100% YoY increase).
Loan Growth and Strong Originations
Full-year loans grew 8.6%. Q4 loan originations were $145 million, and year-to-date originations were 32% higher than 2024, supporting expectations for another year of high single-digit loan growth in 2026.
Net Interest Income and Margin Trends
Net interest income rose 13% for the year to $112 million. Q4 net interest margin was 2.99%, a 1 basis point increase quarter-over-quarter, marking the sixth consecutive quarterly NII increase.
Improving Asset Quality
Nonperforming loans decreased 45% and nonperforming assets decreased 34% since the end of prior year; criticized and classified assets decreased 43% for the full year and 25% since the end of Q3, with management confident credit has 'turned the corner.'
Pre-Tax, Pre-Provision Income Growth
Q4 pretax pre-provision income was $2.3 million, 21% higher than a year ago, outpacing asset growth (4x the asset growth rate over same period).
Deposit and Funding Improvements
Total deposits were up 6.6% YoY in Q4 with growth in interest-bearing non-maturing deposits supporting loan growth and enabling a reduction in FHLB advances; average demand deposits stable at 16% of total deposits.
Capital Returns and Book Value
Tangible book value per share increased 7.8% during 2025 to $26.42. Returned over $25 million of capital via dividends and share repurchases (repurchased ~4% of outstanding shares). Capital ratios remain above regulatory well-capitalized levels.
Lower Funding Costs and Tax Rate Benefits
Average funding costs declined 38 basis points for the year; Q4 saw an 8 basis point decline in average funding costs. Effective tax rate reduced meaningfully in Q4 (330 bps vs Q3) and 2026 effective tax rate guidance of 27-28%.
RBB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RBB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $21.40 | $21.24 | -0.74% |
Oct 20, 2025 | $17.32 | $18.50 | +6.76% |
Jul 21, 2025 | $17.80 | $18.50 | +3.95% |
Apr 28, 2025 | $15.11 | $15.39 | +1.85% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Rbb Bancorp (RBB) report earnings?
Rbb Bancorp (RBB) is schdueled to report earning on Apr 27, 2026, After Close (Confirmed).
What is Rbb Bancorp (RBB) earnings time?
Rbb Bancorp (RBB) earnings time is at Apr 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is RBB EPS forecast?
RBB EPS forecast for the fiscal quarter 2026 (Q1) is 0.45.