NASDAQ$RBB

Rbb Bancorp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

RBB Bancorp reported Q3 2025, revenue of $125M, net income of $12M, diluted EPS of $0.62.

For Q3 2025, RBB Bancorp reported revenue of $125M, net income of $12M, diluted EPS was $0.62. Management discusses operating trends, capital, and sector risks in the quarterly filing.

  • Revenue $125M.
  • Net income $12M.
  • Diluted EPS $0.62.
  • RBB Bancorp MD&A highlights liquidity, capital, and core trends.
  • Segment and macro factors shape year-over-year comparisons.

Headline financials

Total Revenue

$32.6M

Previous: $30.3M+7.5%
EPS (adj)

$0.62

Previous: $0.39+59.0%
Efficiency Ratio

57.4%

No prior period
Net Interest Margin

3.0%

No prior period
Return on Avg Assets

1.0%

No prior period
Return on Avg Equity

7.8%

No prior period
Net Charge-offs to Avg Loans

0.8%

No prior period
Tangible Equity to Assets

10.7%

No prior period
Tier 1 Leverage Ratio

11.5%

No prior period
Tier 1 Common to RWA

17.3%

No prior period
Total Capital to RWA

23.6%

No prior period
NPA to Total Assets

1.3%

No prior period
Capital Expenditures

-$641K

Previous: -$555K-15.5%
Net Income

$10.1M

Previous: $7M+45.0%
Operating Income

$13.3M

Previous: -$7.24M+283.2%

Revenue & EPS history

Rbb Bancorp · Revenue · Quarterly

$32.6M

Q3 2025+7.5%vs Q3 2024
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

Regional and money-center banks emphasize net interest margin, credit quality, and capital returns.

Tailwinds

  • Net interest income and deposit mix optimization.
  • Fee income from payments and wealth.
  • Capital ratios supporting dividends and buybacks.

Headwinds

  • Commercial real estate and consumer credit risk.
  • Deposit competition and funding costs.
  • Rate path uncertainty on NIM.

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 Q3 2025

Historical avgQ3 2025

-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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