RBB (RBB) reported $32.32 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 12.6%. EPS of $0.59 for the same period compares to $0.25 a year ago.
The reported revenue represents a surprise of -1.89% over the Zacks Consensus Estimate of $32.94 million. With the consensus EPS estimate being $0.49, the EPS surprise was +20.41%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how RBB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Non Performing Assets: $53.46 million compared to the $47.68 million average estimate based on five analysts.
- Average Balance - Total interest earning assets: $3.92 billion versus the five-analyst average estimate of $3.97 billion.
- Efficiency Ratio: 58.7% compared to the 56.7% average estimate based on five analysts.
- Net interest margin: 3% versus 3% estimated by five analysts on average.
- Net charge-offs to average loans: 0.2% versus the five-analyst average estimate of 0.3%.
- Total risk-based capital ratio: 23.8% compared to the 22.7% average estimate based on three analysts.
- Tier 1 leverage ratio: 11.6% versus 11.4% estimated by three analysts on average.
- Tier 1 risk-based capital ratio: 18.1% compared to the 17% average estimate based on three analysts.
- Total noninterest income: $2.81 million versus the five-analyst average estimate of $3 million.
- Net interest income before provision for credit losses: $29.51 million compared to the $29.94 million average estimate based on five analysts.
- Gain on sale of loans: $0.46 million versus the five-analyst average estimate of $0.3 million.
- Loan servicing fees, net of amortization: $0.56 million versus the four-analyst average estimate of $0.56 million.
View all Key Company Metrics for RBB here>>>
Shares of RBB have returned +1.6% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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RBB Bancorp (RBB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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