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RBB (RBB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

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For the quarter ended March 2026, RBB (RBB - Free Report) reported revenue of $34.75 million, up 22.1% over the same period last year. EPS came in at $0.66, compared to $0.13 in the year-ago quarter.

The reported revenue represents a surprise of +7.39% over the Zacks Consensus Estimate of $32.36 million. With the consensus EPS estimate being $0.45, the EPS surprise was +46.02%.

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:
  • Efficiency Ratio: 55.4% versus 60% estimated by five analysts on average.
  • Net interest margin: 3.2% versus the five-analyst average estimate of 3%.
  • Net charge-offs to average loans: 0% compared to the 0.2% average estimate based on four analysts.
  • Non Performing Assets: $48.84 million versus $52.08 million estimated by four analysts on average.
  • Average Balance - Total interest earning assets: $3.94 billion versus the four-analyst average estimate of $3.97 billion.
  • Non Performing Loans: $44.57 million versus the three-analyst average estimate of $42.67 million.
  • Tier 1 leverage ratio: 11.8% versus the three-analyst average estimate of 11.6%.
  • Tier 1 risk-based capital ratio: 18.4% compared to the 17.7% average estimate based on three analysts.
  • Total risk-based capital ratio: 24.2% versus the three-analyst average estimate of 23.4%.
  • Total noninterest income: $4.25 million versus the five-analyst average estimate of $2.78 million.
  • Net interest income before provision for credit losses: $30.5 million compared to the $29.59 million average estimate based on five analysts.
  • Gain on sale of loans: $0.32 million versus the five-analyst average estimate of $0.36 million.

View all Key Company Metrics for RBB here>>>

Shares of RBB have returned +11.9% over the past month versus the Zacks S&P 500 composite's +6.4% 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.

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