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.Zacks Names #1 Semiconductor Stock
This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
See This Stock Now for Free >>RBB Bancorp (RBB) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
