The strong margin expansion and credit reversal suggest ongoing operational improvement; monitor the next earnings call for commentary on the sustainability of deposit cost declines and loan growth.
Price Chart
Executive Summary
RBB Bancorp reported strong Q1 2026 earnings with net income of $11.3M ($0.66 EPS), significantly beating consensus estimates of $0.45. Key drivers were a 16 basis point expansion in net interest margin to 3.15%, a reversal of credit loss provision ($200K), and declining nonperforming assets. The company also declared its regular $0.16 quarterly dividend.
Key Financial Metrics
Key Facts
- Net income of $11.3 million ($0.66 diluted EPS), a 19.1% increase from the prior quarter.
- Net interest margin expanded 16 basis points to 3.15% due to declining deposit costs and improved asset yields.
- Provision for credit losses was a $200K reversal, indicating improving credit quality.
- Nonperforming assets decreased 9% to $48.8 million.
- Declared a quarterly cash dividend of $0.16 per share.
Financial Impact
EPS beat of $0.21 (46.0%) and margin expansion of 16 bps.
Risk Factors
- The effective tax rate increased to 28.0% from 20.2%, which could pressure future net income if sustained.
- The prior quarter's net income included a one-time $5.2 million Employee Retention Credit, making the year-over-year comparison less meaningful.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-012840 |
| Document: 0001437749-26-012840-index-headers.html | 0001437749-26-012840 |
| Document: 0001437749-26-012840-index.html | 0001437749-26-012840 |
| Document: 0001437749-26-012840.txt | 0001437749-26-012840 |
| 8-K Data (Synthetic) | 0001437749-26-012840 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 7d ago | 8-K | $26.13 $26.36 | ▲ +0.86% | ▲ +0.34% | $26.32 (+0.73%) |
Oct 19, 2026 7d ago | Press Release | $26.13 $26.36 | ▲ +0.86% | ▲ +0.34% | $26.32 (+0.73%) |
Oct 1, 2026 26d ago | Press Release | $26.22 | awaiting T+1 | — | $26.32 (+0.38%) |
Jul 20, 2026 14w ago | Press Release | $26.63 $26.45 | ▼ −0.68% | ▼ −0.56% | $26.32 (−1.16%) |
Jun 15, 2026 19w ago | 8-K | $25.00 $25.71 | ▲ +2.84% | ▲ +3.44% | $26.32 (+5.28%) |
May 7, 2026 24w ago | 144 | $24.05 $23.53 | ▼ −2.16% | ▼ −2.39% | $26.32 (+9.44%) |
May 4, 2026 25w ago | Insider Cluster | $23.89 $24.14 | ▲ +1.05% | ▲ +0.25% | $26.32 (+10.17%) |
May 4, 2026 25w ago | Insider Cluster | $23.89 $24.14 | ▲ +1.05% | ▲ +0.25% | $26.32 (+10.17%) |
May 4, 2026 25w ago | Insider Cluster | $23.53 $23.55 | ▲ +0.09% | ▲ +0.22% | $26.32 (+11.86%) |
Apr 29, 2026 25w ago | Insider Cluster | $23.71 $24.12 | ▲ +1.73% | ▲ +0.71% | $26.32 (+11.01%) |
US Market Status
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