Back to top

Image: Bigstock

RBB (RBB) Reports Q2 Earnings: What Key Metrics Have to Say

Read MoreHide Full Article

For the quarter ended June 2025, RBB (RBB - Free Report) reported revenue of $35.81 million, up 30.5% over the same period last year. EPS came in at $0.52, compared to $0.39 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $29.5 million, representing a surprise of +21.38%. The company delivered an EPS surprise of +44.44%, with the consensus EPS estimate being $0.36.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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:
  • Net charge-offs to average loans: 0.4% versus the five-analyst average estimate of 0.4%.
  • Net interest margin: 2.9% versus 2.9% estimated by five analysts on average.
  • Average Balance - Total interest earning assets: $3.75 billion versus $3.74 billion estimated by five analysts on average.
  • Efficiency Ratio: 57.2% compared to the 60% average estimate based on five analysts.
  • Non Performing Loans: $56.82 million versus the four-analyst average estimate of $54.68 million.
  • Tier 1 leverage ratio: 12% versus 12% estimated by three analysts on average.
  • Tier 1 risk-based capital ratio: 18.2% versus 18.4% estimated by three analysts on average.
  • Total risk-based capital ratio: 24% versus 24.3% estimated by three analysts on average.
  • Non Performing Assets: $60.99 million versus the three-analyst average estimate of $55.55 million.
  • Net Interest Income: $27.33 million versus $26.79 million estimated by five analysts on average.
  • Gain on sale of loans: $0.36 million versus $0.36 million estimated by five analysts on average.
  • Total noninterest income: $8.48 million versus $2.76 million estimated by five analysts on average.

View all Key Company Metrics for RBB here>>>

Shares of RBB have returned +10.8% over the past month versus the Zacks S&P 500 composite's +5.4% 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.

See More Zacks Research for These Tickers


Normally $25 each - click below to receive one report FREE:


RBB Bancorp (RBB) - free report >>

Published in