NASDAQ$RBB

Rbb Bancorp · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

RBB Bancorp's financial performance improved in Q4 2020, with increased net income and diluted earnings per share compared to the previous quarter and the same quarter last year.

RBB Bancorp reported a net income of $11.1 million, or $0.56 diluted earnings per share, for the quarter ended December 31, 2020. This represents an increase compared to both the prior quarter and the fourth quarter of 2019. The company's performance was boosted by an increase in net interest margin and gains on loan sales.

  • Net income reached $11.1 million, or $0.56 diluted earnings per share, showing growth from both the previous quarter and the fourth quarter of 2019.
  • Total deposits (excluding brokered deposits) saw an annualized growth of 3.6% from the end of the prior quarter.
  • Net interest income, before provision for loan losses, increased to $28.9 million compared to $27.3 million in the third quarter of 2020.
  • Noninterest income increased by $1.8 million, driven by higher gains on loan sales due to increased market activity.

Headline financials

Total Revenue

$33.4M

Previous: $28.9M+15.3%
EPS (adj)

$0.56

Previous: $0.52+7.7%
Efficiency Ratio

43.3%

Previous: 46.5%-6.9%
Net Interest Margin

3.7%

Previous: 3.5%+5.8%
Return on Avg Assets

1.3%

Previous: 1.5%-11.9%
Capital Expenditures

$3.33M

Previous: $396K+739.6%
Free Cash Flow

$41.1M

Previous: $209M-80.4%
Net Income

$11.1M

Previous: $10.7M+4.0%
Gross Profit

$33.4M

Previous: $28.9M+15.5%
Cash & Equivalents

$195M

Previous: $182M+7.1%
Total Assets

$3.35B

Previous: $2.79B+20.1%
Stock-Based Comp

$193K

Previous: $145K+33.1%

Revenue & EPS history

Rbb Bancorp · Revenue · Quarterly

$33.4M

Q4 2020+15.3%vs Q4 2019
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Revenue by segment

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

  • Commercial & Industrial
    $5.03M-17.5%

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 Q4 2020

Historical avgQ4 2020

-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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