RBB
RBB Bancorp22.22
-0.06-0.27%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
383.31MP/E (TTM)
14.91Basic EPS (TTM)
1.49Dividend Yield
0.03%Recent Filings
10-Q
Q3 FY2025 results
RBB Bancorp posted solid Q3 results, with net interest income climbing 12% quarter-over-quarter to $29.3M on stronger loan yields and growth, while net income hit $10.1M or $0.59 diluted EPS—up from $9.3M last quarter and $7.0M a year ago. Loans expanded 8% year-over-year to $3.3B, driven by single-family residential and commercial real estate, yet nonperforming assets eased to 1.29% of total assets amid charge-offs and upgrades. Deposits swelled 9% to $3.4B, funding the balance sheet with $235M in cash equivalents and $411M in securities; FHLB advances dropped to $130M from $200M. Free cash flow stood at $26.9M after $4.6M capex. Still, rising charge-offs signal credit pressures in construction.
8-K
Q3 earnings rise, dividend declared
RBB Bancorp reported Q3 2025 net income of $10.1 million, up 8.7% from Q2, fueled by $29.3 million in net interest income and a 2.98% margin, while provisions for credit losses dropped to $625,000 amid stabilizing credit. Loans grew $67.9 million to $3.3 billion, deposits rose $178.3 million to $3.4 billion, and nonperforming assets fell 11% to $54.3 million. The board declared a $0.16 per share dividend, payable November 12. Credit quality improved sharply.
10-Q
Q2 FY2025 results
RBB Bancorp posted solid Q2 FY2025 results, with net income jumping to $9.3M or $0.52 diluted EPS from $2.3M or $0.13 in Q1, thanks to a $5.2M Employee Retention Credit refund that boosted other income—yet net interest income climbed 4.5% q/q to $27.3M on loan growth, while y/y it rose 14.1% from $24.0M amid lower deposit costs. Loans held for investment swelled 6.0% q/q to $3.2B, driven by single-family residential mortgages up 7.3% and commercial real estate up 6.0%, but the provision for credit losses eased to $2.4M from $6.7M as net charge-offs hit $3.3M. Deposits grew 3.3% q/q to $3.2B, supporting a steady 2.92% net interest margin, while FHLB advances dipped to $180M. Cash flow from operations funded the expansion, leaving liquidity robust at $192M. Still, rising substandard loans signal credit pressures ahead.
8-K
Q2 earnings surge on ERC boost
RBB Bancorp reported Q2 2025 net income of $9.3 million, or $0.52 per diluted share, boosted by a $5.2 million Employee Retention Credit receipt that offset $1.2 million in advisory costs. Loan growth hit $91.6 million while nonperforming assets dropped 5.5% to $61.0 million, expanding net interest margin to 2.92%. The board declared a $0.16 per share dividend, payable August 12. Credit quality improved, yet substandard loans rose.
8-K
RBB launches $18M buyback
RBB Bancorp announced on May 29, 2025, a board-authorized stock repurchase plan for up to $18 million of its common stock through June 30, 2026. Repurchases will occur via open market or private deals, guided by market conditions and securities rules, with management holding discretion to adjust or halt the program. This signals confidence in the bank's value amid economic uncertainties. Yet risks like liquidity strains could alter execution.
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