NASDAQ$RBB

Rbb Bancorp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported earnings for the quarter ended March 31, 2024.

RBB Bancorp reported a net income of $8.0 million, or $0.43 diluted earnings per share, for the quarter ended March 31, 2024. Net interest income was $24.9 million, and noninterest income was $3.4 million. Total assets were $3.9 billion as of March 31, 2024.

  • Net income was $8.0 million, or $0.43 diluted earnings per share.
  • Net interest income was $24.9 million.
  • Noninterest income totaled $3.4 million.
  • Total assets amounted to $3.9 billion.

Headline financials

Total Revenue

$28.2M

Previous: $36.5M-22.5%
EPS

$0.43

Previous: $0.58-25.9%
Efficiency Ratio

60.1%

No prior period
Net Interest Margin

2.7%

Previous: 3.7%-27.3%
Return on Avg Assets

0.8%

Previous: 1.1%-27.7%
Return on Avg Equity

6.3%

No prior period
Net Charge-offs to Avg Loans

0.0%

No prior period
Tangible Equity to Assets

11.6%

No prior period
Tier 1 Leverage Ratio

12.2%

No prior period
Tier 1 Common to RWA

19.1%

No prior period
Total Capital to RWA

25.9%

No prior period
NPA to Total Assets

0.9%

No prior period
Capital Expenditures

-$149K

Previous: -$524K+71.6%
Free Cash Flow

$7.89M

Previous: $10.4M-24.5%
Net Income

$8.04M

Previous: $11M-26.7%
Operating Income

-$7.21M

Previous: $9.54M-175.5%
Gross Profit

$28.2M

Previous: $34.3M-17.8%
Cash & Equivalents

$269M

Previous: $231M+16.7%
Total Assets

$3.88B

Previous: $4.11B-5.6%
Stock-Based Comp

$140K

Previous: $316K-55.7%

Revenue & EPS history

Rbb Bancorp · Revenue · Quarterly

$28.2M

Q1 2024-22.5%vs Q1 2023
Beat estimate in 8 of 14 quarters(57%)
ActualEstimate

Revenue by segment

Rbb Bancorp · $5.03M total across 1 segment · Q4 2019

  • Commercial & Industrial
    $5.03M-17.5%

Forward guidance

While changing expectations about the timing and size of rate cuts makes forecasting challenging, the company is cautiously optimistic that margins should start to recover as deposit costs stabilize and loan yields continue to increase. The Board of Directors believes they are well-positioned to succeed and enhance shareholder value over the coming quarters.

Tailwinds

  • Margins should start to recover as deposit costs stabilize.
  • Loan yields are expected to continue to increase.
  • Company is well-positioned to succeed.
  • Company is expected to enhance shareholder value.
  • Team has done a good job stabilizing results during a challenging period

Headwinds

  • Changing expectations about the timing and size of rate cuts makes forecasting challenging.
  • Higher interest expense of $755,000.
  • Lower interest income of $37,000.
  • Nonperforming assets increased $5.4 million.
  • Total deposits decreased by $146.4 million.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

-0.1%

Avg return

Earnings day

-0.3%

Avg return

5 days after

+1.9%

Avg return

30 days after

54%

22 / 41 earnings

Positive

+8.2%

Q4 2021

Best reaction

-9.4%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.9%+3.1%+3.4%
Q4 2025-0.7%-3.8%+3.0%
Q3 2025+7.4%+10.2%+7.8%
Q2 2025-2.1%-1.4%-2.5%
Q1 2025+1.9%+1.2%+4.9%
Q4 2024-1.4%-1.3%-7.0%
Q3 2024-4.8%-7.6%-0.7%
Q2 2024+3.1%+8.1%+0.6%
Q1 2024+2.4%+1.3%+5.7%
Q4 2023+3.2%+3.7%-4.1%
Q3 2023-0.1%-4.5%+30.8%
Q2 2023+6.2%+6.0%+0.3%
Q1 2023-9.3%-11.5%-24.5%
Q4 2022-2.1%-4.1%-3.4%
Q3 2022+4.0%+4.7%+2.8%
Q2 2022+3.1%+4.8%+3.4%
Q1 2022-3.2%-7.6%-10.2%
Q4 2021+8.2%+1.3%-16.7%
Q3 2021+1.2%+0.3%+3.7%
Q2 2021+0.8%+1.4%+6.1%
Q1 2021-0.8%+5.4%+18.6%
Q4 2020-3.4%-7.7%+10.8%
Q3 2020-1.3%+0.9%+23.4%
Q2 2020-1.1%-2.1%-1.6%
Q1 2020-9.4%-13.2%-7.0%
Q4 2019+0.7%-2.1%-8.8%
Q3 2019+1.6%+3.7%+0.5%
Q2 2019-2.5%+2.1%-5.2%
Q1 2019-3.3%-4.0%+0.3%
Q4 2018+0.7%+2.5%+18.6%
Q3 2018-7.8%-10.3%-5.8%
Q2 2018-3.8%-4.3%-10.9%
Q1 2017+1.4%+1.0%+16.6%
Q1 2018+0.6%+0.9%+4.9%
Q4 2015+2.7%+4.6%+5.2%
Q2 2017+2.7%+4.6%+5.2%
Q4 2017+1.9%+0.3%-3.6%
Q3 2016+3.5%+2.8%+12.9%
Q3 2017+1.3%+4.0%+3.1%
Q4 2016-3.6%-2.5%-0.3%
Q2 2016-3.6%-2.6%-1.4%
Q1 2016
Q3 2015
Q2 2015
Q1 2015
Q4 2014
Q3 2014
Q2 2014
Q1 2014
Q4 2013
Q3 2013
Q2 2013
Q1 2013

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