RBB Bancorp (RBB) Earnings
RBB Bancorp is expected to report next earnings on July 20, 2026 (in NaN days), with a consensus EPS estimate of $0.54. RBB has beaten EPS estimates in 9 of its last 10 reported quarters (average surprise +38.9% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 21, 2026 | $0.45 | $0.66 | +46.7% | $35M | +7.3% |
| Jan 26, 2026 | $0.49 | $0.59 | +20.4% | $32M | -0.2% |
| Oct 20, 2025 | $0.41 | $0.59 | +43.9% | $33M | -1.9% |
| Jul 21, 2025 | $0.36 | $0.52 | +44.4% | $36M | +12.9% |
| Feb 3, 2025 | $0.37 | $0.25 | -32.4% | $29M | +0.8% |
| Oct 21, 2024 | $0.38 | $0.39 | +2.6% | $30M | +6.8% |
| Jul 22, 2024 | $0.34 | $0.39 | +14.7% | $27M | +0.2% |
| Mar 12, 2024 | — | $0.64 | — | $62M | — |
| Jul 24, 2023 | $0.57 | $0.58 | +1.8% | $34M | +1.6% |
| Apr 7, 2023 | — | $0.92 | — | $55M | — |
| Jan 23, 2023 | $0.89 | $0.92 | +3.4% | $42M | -3.6% |
| Jul 25, 2022 | $0.75 | $0.80 | +6.7% | $40M | +5.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 21, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• First quarter was a strong start with continued earnings growth. • Net interest margin increased due to lower funding costs and higher asset yields. • Loan growth modest due to elevated payoffs and paydowns, but pipelines remain healthy. • Deposits declined slightly but retail relationships grew. • Credit quality improved with non-performing assets decreasing. • Non-interest income increased, non-interest expense increased but efficiency ratio improved.
Guidance
• Believe positioned to deliver stronger loan growth over balance of the year. • Expect non-interest expense for next few quarters to be in the $18 to $19 million range. • Pipeline remains healthy and positive about Q2 loan growth based on current bill.
Segment performance
Net income was $11.3 million, or 66 cents per share, an 11% increase from the fourth quarter. Return on assets increased to 1.09%. Net interest margin increased another 16 basis points to 3.15%, fifth consecutive quarter of margin expansion. Loans increased by approximately $11 million or 1%. Deposits declined slightly during the quarter. Non-performing assets declined 9% from prior quarter and 24% from a year ago. Non-interest income increased $1.4 million to $4.3 million. Non-interest expense increased by $293,000 to $19.3 million, but efficiency ratio improved to 55%.
Risks & headwinds
• NPLs are in a process of resolution and may take time. • Sub-debt repricing requires regulatory approval. • Interest rate environment changes could impact net interest margin.
Analyst Q&A
Q: Good to see asset quality improvement, can you offer color on larger non-performing assets and normalized reserve to loan ratio?
A: 90% of NPLs are same three relationships, NPLs expected to normalize down. Largest one working through bankruptcy process. Normalized coverage ratio could come down.
Q: Any updated thoughts on capital deployment?
A: Focused on sub-debt repricing which repriced April 1st, also opportunity for stock buyback but sub-debt priority.
Q: Is FHLB special dividend one time? Expectations for margin path?
A: FHLB special dividend one time. Half mortgage portfolio priced on $3,360 basis, near term margin may have some dynamics but still opportunity to expand above 3%.
Q: Loan growth was muted, what drove variance and pipeline outlook?
A: Disciplined on pricing, stayed above 6% unless with ancillary income, some deals let go, higher paydowns. Pipeline healthy, positive about Q2 loan growth.
Q: Any room to bring down deposit costs?
A: Still some opportunity, 98% of 12-month CDs mature over 12 months, runoff rates observed.
Q: Thoughts on Trump's potential executive order requiring banks to collect citizenship data?
A: Only watching USSB administration's procedural guidelines restricting applicants to U.S. citizens, no impact on system.
Q: Loan growth outlook, expect high single digits?
A: Pipeline healthy, historically second and third quarters highest producing, remain optimistic for mid to high single digits.
Q: Path to get back to 4% NIM?
A: Need high percent of non-interest-bearing deposits, focus on CNI business to bring in more less rate sensitive customers.
Q: Gain on sale margin trends and loan sales vs retention?
A: Mortgage banking tests secondary markets, holds majority, commercial side to grow, SBA loan sales expected to be similar or higher than 2025 levels.