Rbb Bancorp (RBB)
NASDAQ:RBB
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Earnings Data
Report Date
Jul 27, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.54Last Year’s EPS
0.3Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted several positive operating and financial trends — higher net income, margin expansion to 3.15%, improved efficiency, tangible book value growth, and significant YoY reductions in nonperforming assets — supported by a healthy pipeline and disciplined lending posture. Offsetting items include muted quarter-to-quarter loan growth, a small decline in deposits, concentration in a few NPL relationships (one in bankruptcy), the one-time nature of an FHLB dividend supporting NIM, and near-term funding and repricing pressures (CDs and subordinated debt). On balance, the improving earnings, margin expansion, strengthened capital/tangible book metrics, and improved asset-quality trend outweigh the headwinds and one-time items.Company Guidance
Quarterly Net Income Growth
Net income of $11.3 million, or $0.66 per diluted share, an 11% increase from the fourth quarter and the highest quarterly earnings level in two years.
Improved Profitability Metrics
Return on assets rose to 1.09%; net interest income increased $1.0 million to $30.5 million; efficiency ratio improved to 55% from 59% QoQ.
Net Interest Margin Expansion
Net interest margin increased to 3.15% (from 2.99% in Q4), marking continued margin expansion driven by lower funding costs, higher asset yields, and a $430k FHLB special dividend (added ~4 bps).
Balance Sheet and Capital Strength
Total assets of $4.2 billion; book value per share increased to $31.10 and tangible book value per share rose 2% to $26.84; management is addressing repricing sub-debt and evaluating capital deployment (including potential buybacks) with regulatory approval.
Deposit Mix Improvement
Retail deposits increased by $50 million and the company reduced reliance on wholesale funding, improving deposit quality and lowering cost of deposits by ~10 basis points; spot deposit rate ended the quarter at 2.79%.
Credit Trend Improvements Year-over-Year
Nonperforming assets declined 9% QoQ and are down 24% from a year ago; effectively no net charge-offs in the quarter and a small reversal of provision for credit losses supported by paydowns and stable credit indicators.
Noninterest Income and One-Time Gains
Noninterest income rose $1.4 million to $4.3 million, driven by an $890k net gain on REO, a $484k recovery on a fully charged-off acquired loan, and $360k interest income on tax refunds related to purchased federal tax credits.
Healthy Pipeline and Discipline on Growth
Management reports a healthy loan pipeline and emphasizes disciplined, quality-first lending; expects mid- to high-single-digit loan growth for the year (anchored in mid-to-high single digits).
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 |
|---|---|---|---|
Apr 20, 2026 | $22.78 | $24.02 | +5.45% |
Jan 26, 2026 | $21.26 | $21.10 | -0.74% |
Oct 20, 2025 | $17.21 | $18.37 | +6.76% |
Jul 21, 2025 | $17.68 | $18.38 | +3.95% |
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 Jul 27, 2026, After Close (Confirmed).
What is Rbb Bancorp (RBB) earnings time?
Rbb Bancorp (RBB) earnings time is at Jul 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 (Q2) is 0.54.