RBB

The upcoming report from RBB (RBB) is expected to reveal quarterly earnings of $0.53 per share, indicating an increase of 1.9% compared to the year-ago period. Analysts forecast revenues of $33.06 million, representing a decline of 7.7% year over year. Over the last 30 days, there has been an upward revision of 0.4% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe. Ahead of a company's earnings disclosure, it is crucial to give due consideration to changes in earnings estimates. These revisions serve as a noteworthy factor in predicting potential investor reactions to the stock. Numerous empirical studies consistently demonstrate a strong relationship between trends in earnings estimate revision and the short-term price performance of a stock. While investors usually depend on consensus earnings and revenue estimates to assess the business performance for the quarter, delving into analysts' forecasts for certain key metrics often provides a more comprehensive understanding. That said, let's delve into the average estimates of some RBB metrics that Wall Street analysts commonly model and monitor. The combined assessment of analysts suggests that 'Efficiency Ratio' will likely reach 56.2%. The estimate is in contrast to the year-ago figure of 57.2%. Analysts forecast 'Non Performing Assets' to reach $42.76 million. Compared to the present estimate, the company reported $60.99 million in the same quarter last year. Analysts predict that the 'Average Balance - Total interest earning assets' will reach $3.97 billion. Compared to the current estimate, the company reported $3.75 billion in the same quarter of the previous year. It is projected by analysts that the 'Non Performing Loans' will reach $37.87 million. The estimate compares to the year-ago value of $56.82 million. Based on the collective assessment of analysts, 'Tier 1 risk-based capital ratio' should arrive at 18.4%. Compared to the present estimate, the company reported 18.2% in the same quarter last year. Analysts expect 'Total risk-based capital ratio' to come in at 23.7%. The estimate compares to the year-ago value of 24.0%. According to the collective judgment of analysts, 'Tier 1 leverage ratio' should come in at 11.9%. The estimate compares to t...

RBB (RBB) is expected to deliver a year-over-year increase in earnings on lower revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 20, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This bank holding company is expected to post quarterly earnings of $0.53 per share in its upcoming report, which represents a year-over-year change of +1.9%. Revenues are expected to be $33.06 million, down 7.7% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.35% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is signi...

LOS ANGELES, July 01, 2026 (GLOBE NEWSWIRE) -- RBB Bancorp (NASDAQ: RBB) and its subsidiaries, Royal Business Bank (the "Bank") and RBB Asset Management Company ("RAM"), collectively referred to herein as the "Company", today announced that it will release financial results for its second quarter ended June 30, 2026 after the markets close on Monday, July 20, 2026. Management will hold a conference call at 11:00 a.m. Pacific Time/2:00 p.m. Eastern Time on Tuesday, July 21, 2026, to discuss the Company's financial results. To listen to the conference call, please dial 1-888-506-0062 or 1-973-528-0011, passcode 631029, Conference ID RBBQ226. A replay of the call will be made available at 1-877-481-4010 or 1-919-882-2331, passcode 54229, approximately one hour after the conclusion of the call and will remain available through August 4, 2026. Additionally, interested parties can listen to a live webcast of the call in the "Investor Relations" section of the Company's website at www.royalbusinessbankusa.com. This webcast will be recorded and available for replay on the Company's website approximately two hours after the conclusion of the conference call. Corporate Overview RBB Bancorp is a community-based financial holding company headquartered in Los Angeles, California. As of March 31, 2026, the Company had total assets of $4.2 billion. Its wholly-owned subsidiary, Royal Business Bank, is a full service commercial bank, which provides consumer and business banking services predominantly to the Asian-centric communities through 24 branches located in six states including California, Nevada, New York, Illinois, New Jersey and Hawaii. Bank services include remote deposit, E-banking, mobile banking, commercial and investor real estate loans, business loans and lines of credit, commercial and industrial loans, SBA 7A and 504 loans, 1-4 single family residential loans, trade finance, a full range of depository account products and wealth management services. The Bank has nine branches in Los Angeles County, two branches in Ventura County, and one branch in Orange County, California; one branch in Las Vegas, Nevada; three branches and one loan operation center in Brooklyn, three branches in Queens, and one branch in Manhattan in New York; one branch in Edison, New Jersey; two branches in Chicago, Illinois; and, one branch in Honolulu, Hawaii. The Company's administrat...

RBB (RBB) could be a solid addition to your portfolio given a notable revision in the company's earnings estimates. While the stock has been gaining lately, the trend might continue since its earnings outlook is still improving. The rising trend in estimate revisions, which is a result of growing analyst optimism on the earnings prospects of this bank holding company, should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements. Our stock rating tool -- the Zacks Rank -- has this insight at its core. The five-grade Zacks Rank system, which ranges from a Zacks Rank #1 (Strong Buy) to a Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record of outperformance, with Zacks #1 Ranked stocks generating an average annual return of +25% since 2008. Consensus earnings estimates for the next quarter and full year have moved considerably higher for RBB, as there has been strong agreement among the covering analysts in raising estimates. The chart below shows the evolution of forward 12-month Zacks Consensus EPS estimate: The earnings estimate of $0.54 per share for the current quarter represents a change of +3.9% from the number reported a year ago. Over the last 30 days, the Zacks Consensus Estimate for RBB has increased 5.93% because four estimates have moved higher while one has gone lower. For the full year, the company is expected to earn $2.35 per share, representing a year-over-year change of +28.4%. There has been an encouraging trend in estimate revisions for the current year as well. Over the past month, five estimates have moved up for RBB versus no negative revisions. This has pushed the consensus estimate 13.86% higher. The promising estimate revisions have helped RBB earn a Zacks Rank #1 (Strong Buy). The Zacks Rank is a tried-and-tested rating tool that helps investors effectively harness the power of earnings estimate revisions and make the right investment decision. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Our research shows that stocks with Zacks Rank #1 (Strong Buy) and 2 (Buy) significantly outperform the S&P 500. RBB shares have added 13.2% over the past four weeks, suggesting that investors are betting on its impressive estimate revisions. So, you may consider adding i...

Image source: The Motley Fool. Tuesday, April 21, 2026 at 2 p.m. ET President & CEO — Johnny Lee EVP & CFO — Lynn Hopkins Need a quote from a Motley Fool analyst? Email [email protected] Johnny Lee: Good day, everyone, and thank you for joining us today. The first quarter was a strong start to the year with continued earnings growth, expanding margin, and further improvement in operating metrics. We generated net income of $11.3 million, or $0.66 per share, which was an 11% increase from the fourth quarter and our highest quarterly earnings level in two years. Return on assets increased to 1.09%, and we continued to grow tangible book value per share. Net interest margin increased another 60 basis points to 3.15%, marking our fifth consecutive quarter of margin expansion. The increase was driven by both lower funding costs and higher asset yields. Our cost of deposits declined 10 basis points, and our spot rate on deposits ended the quarter at 2.79%, which gives us some additional opportunity for improvement in the second quarter. Loan growth was more modest in the first quarter, with loans increasing by approximately $11 million, or 1% annualized. We originated $131 million of new loans at an average yield of 0.4%, but that growth was offset by elevated payoffs and paydowns as some borrowers refinanced or sold assets. As we mentioned before, we remain disciplined on pricing and structure and have focused on profitable growth. Our pipelines remain healthy, and we continue to believe we are positioned to deliver stronger loan growth over the balance of the year. Deposits declined slightly during the quarter due to a reduction in wholesale deposits, but this was more than offset, from a quality standpoint, by another quarter of growth in retail relationships. We also continue to make progress on credit. Nonperforming assets declined 9% from the prior quarter and are down 24% from a year ago. Overall, we believe the first quarter reflected continued progress in returning RBB to its historical levels of performance. We continue to focus on disciplined growth, maintaining strong credit quality, and increasing long-term shareholder value. With that, I will hand it over to Lynn to talk about the results in more detail. Lynn? Lynn Hopkins: Please feel free to refer to the investor presentation we have provided as I discuss the Company’s 2026 financial performance. As John...

Image source: The Motley Fool. Tuesday, January 27, 2026 at 2 p.m. ET President and Chief Executive Officer — Johnny Lee Executive Vice President and Chief Financial Officer — Lynn Hopkins Johnny Lee: Thank you, Rebeca. Good day, everyone, and thank you for joining us today. The fourth quarter was a strong finish to 2025 with solid loan growth, improving performance ratios and normalizing credit. The entire RBB team continues to work hard to return the bank to its historic performance, and I'm very proud of what the team has accomplished. We still have work to do, particularly with respect to resolving remaining nonperforming assets but we're confident that we turned the corner on credit, and that performance will continue to improve in future quarters. Fourth quarter net income totaled $10.2 million or $0.59 per share which was stable from the third quarter but more than double our earnings for the same quarter a year ago. ROA and NIM showed similar trends and were stable from the third quarter while increasing sharply from a year ago. For the year, loans grew at a solid 8.6%, which we believe demonstrate the progress we have made, returning RBB to its historical rate of growth. We had another quarter of strong originations to $145 million. And for the year, loan originations were 32% higher than they were in 2024. Our pipeline remains healthy and in line with this same time last year, so we are optimistic we will see another year of high single-digit growth in 2026. We continue to maintain pricing and structuring discipline with fourth quarter originations yielding 31 basis points above our current loan portfolio yield. Despite the Fed rate cuts of 75 basis points in 2025, we were able to drive our fourth quarter yield on loans up 4 basis points to 6.7% compared to the same quarter a year ago. Deposits were not the bright spot of 2025 and we show the progress we made by focusing on community outreach to attract retail deposits and expanding relationships with our business clients. Fourth quarter total deposits increased 6.6% compared to the fourth quarter a year ago, with strong growth in interest-bearing nonmaturing deposits supporting loan growth and a reduction in FHLB advances. Average demand deposits remained stable in 2025 and currently comprise 16% of total deposits. The fourth quarter rate on average interest-bearing deposits declined by 55 basis p...

RBB reported a “strong start” to 2026 with net income of $11.3 million (EPS $0.66), its highest quarterly earnings in two years, and net interest margin widened 60 basis points to 3.15% (partly aided by a one‑time FHLB special dividend). Loan growth was modest (about $11 million) as $131 million of originations at a 6.4% average yield were offset by payoffs; management emphasized disciplined pricing (generally keeping loan rates above 6%) while deposits shifted from wholesale into retail (+$50 million), improving funding mix and lowering costs. Credit metrics improved—non‑performing assets fell 9% q/q with effectively no net charge‑offs and a small reserve reversal—and capital remained stable (book value $31.10, tangible book $26.84) as the bank prioritizes addressing repriced subordinated debt and may consider a share buyback subject to regulatory approval. Interested in RBB Bancorp? Here are five stocks we like better. Regional Bank Buybacks: 5 Institutions Making Big Moves RBB Bancorp (NASDAQ:RBB) reported what management called a “strong start” to 2026, with higher earnings, a fifth consecutive quarter of net interest margin expansion, and further improvements in credit metrics. President and CEO Johnny Lee said the company generated net income of $11.3 million, or $0.66 per share, in the first quarter, an 11% increase from the fourth quarter and “our highest quarterly earnings level in two years.” Lee added that return on assets increased to 1.09% and that the company continued to grow tangible book value per share. → Credo Stock Flashes Strong Bullish Signal—Upswing Just Starting 3 Penny Stocks Analysts Believe Are Headed Higher Chief Financial Officer Lynn Hopkins said the results compared to $10.2 million, or $0.59 per diluted share, in the fourth quarter. Despite two fewer days in the quarter, Hopkins said net interest income increased $1 million to $30.5 million, reflecting a $1.4 million decrease in interest expense that was “partially offset by a $390,000 decrease in interest income.” Lee said net interest margin increased 60 basis points to 3.15%, marking “our fifth consecutive quarter of margin expansion.” He attributed the improvement to both lower funding costs and higher asset yields, noting that the cost of deposits declined 10 basis points and the “flat rate on deposits ended the quarter at 2.79%.” Lee said that left “some additional oppor...

This article first appeared on GuruFocus. Net Income: $11.3 million or $0.66 per share, an 11% increase from the fourth quarter. Return on Assets: Increased to 1.09%. Net Interest Margin: Increased 16 basis points to 3.15%. Loan Growth: Loans increased by approximately $11 million or 1% annualized. New Loan Originations: $131 million at an average yield of 6.4%. Deposits: Declined by $10.5 million, with a reduction in wholesale deposits but growth in retail relationships. Nonperforming Assets: Declined 9% from the prior quarter and 24% from a year ago. Noninterest Income: Increased $1.4 million to $4.3 million. Noninterest Expense: Increased by $293,000 to $19.3 million. Efficiency Ratio: Improved to 55% from 59% in the fourth quarter. Total Assets: $4.2 billion at quarter end. Book Value per Share: Increased to $31.10. Tangible Book Value per Share: Increased 2% to $26.84. Warning! GuruFocus has detected 6 Warning Signs with RBB. Is RBB fairly valued? Test your thesis with our free DCF calculator. Release Date: April 21, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. RBB Bancorp (NASDAQ:RBB) reported a net income of $11.3 million or $0.66 per share, marking an 11% increase from the previous quarter and the highest quarterly earnings in two years. The net interest margin increased by 16 basis points to 3.15%, marking the fifth consecutive quarter of margin expansion. Nonperforming assets declined by 9% from the prior quarter and are down 24% from a year ago, indicating improved credit quality. Retail deposits increased by $50 million, with a shift from time deposits to a high-yield savings product, enhancing the deposit mix. The company continues to focus on disciplined growth, maintaining strong credit quality, and increasing long-term shareholder value. Loan growth was modest, with loans increasing by only $11 million or 1% annualized, due to elevated payoffs and pay-downs. Deposits declined slightly during the quarter due to a reduction in wholesale deposits. Noninterest expense increased by $293,000 to $19.3 million, primarily due to higher payroll taxes and employee benefit costs. The company remains elevated on nonperforming loans, with 90% represented by the same three relationships. The net interest margin benefit from the FHLB special dividend is considered one-time in nature and not recurri...

LOS ANGELES (AP) — LOS ANGELES (AP) — RBB Bancorp (RBB) on Monday reported first-quarter net income of $11.3 million. The bank, based in Los Angeles, said it had earnings of 66 cents per share. The results topped Wall Street expectations. The average estimate of five analysts surveyed by Zacks Investment Research was for earnings of 45 cents per share. The bank holding company posted revenue of $61.1 million in the period. Its revenue net of interest expense was $34.8 million, which also topped Street forecasts. Five analysts surveyed by Zacks expected $32.4 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on RBB at https://www.zacks.com/ap/RBB

RBB (RBB) came out with quarterly earnings of $0.66 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.13 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +46.02%. A quarter ago, it was expected that this bank holding company would post earnings of $0.49 per share when it actually produced earnings of $0.59, delivering a surprise of +20.41%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. RBB, which belongs to the Zacks Banks - West industry, posted revenues of $34.75 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 7.39%. This compares to year-ago revenues of $28.46 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. RBB shares have added about 10.8% since the beginning of the year versus the S&P 500's gain of 4.1%. While RBB has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for RBB was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting...

LOS ANGELES, April 20, 2026 (GLOBE NEWSWIRE) -- Los Angeles, CA, April 20, 2026 – RBB Bancorp (NASDAQ:RBB) and its subsidiaries, Royal Business Bank (the “Bank”) and RBB Asset Management Company (“RAM”), collectively referred to herein as the “Company,” announced financial results for the quarter ended March 31, 2026. First Quarter 2026 Highlights Net income totaled $11.3 million, or $0.66 diluted earnings per share Pre-tax pre-provision income (1) totaled $15.5 million, a 16% increase compared to the prior quarter Return on average assets of 1.09%, compared to 0.96% for the prior quarter Net interest margin increased to 3.15%, from 2.99% for the prior quarter Nonperforming assets decreased 9%, to $48.8 million at March 31, 2026, compared to prior quarter end Book value and tangible book value per share(1) increased to $31.10 and $26.84 at March 31, 2026, up from $30.69 and $26.42 at December 31, 2025 The Company reported net income of $11.3 million, or $0.66 diluted earnings per share, for the quarter ended March 31, 2026, compared to net income of $10.2 million, or $0.59 diluted earnings per share, for the quarter ended December 31, 2025. “First quarter results represented a strong start to 2026, with higher net interest income, expanding margin and lower credit costs driving net income of $11.3 million, or $0.66 per diluted share,” said Johnny Lee, President and Chief Executive Officer of RBB Bancorp. “Net interest margin increased to 3.15% as declining deposit costs and improved earning asset yields more than offset modest pressure on loan balances. We also continued to make progress on credit quality, with nonperforming assets declining 9% from the prior quarter. Retail deposit growth remained strong, and we believe our continued focus on disciplined loan growth, deposit gathering and resolving problem assets positions us to continue to enhance shareholder value through 2026.” Net Interest Income and Net Interest Margin Net interest income was $30.5 million for the first quarter of 2026, compared to $29.5 million for the fourth quarter of 2025. Net interest income increased $1.0 million despite 2 fewer days in the current quarter and was comprised of a $1.4 million decrease in interest expense, offset by a $390,000 decrease in interest income. The decrease in interest expense was due mostly to the impact of fewer days in the quarter and a decrease in th...

RBB Bancorp (RBB) reported Q1 earnings late Monday of $0.66 per diluted share, up from $0.13 a year