The significant EPS beat and margin expansion suggest improving core profitability; traders should monitor loan growth trends and deposit cost trajectory in future quarters. The maintained dividend and strong credit quality support potential rerating.
Price Chart
Executive Summary
RBB Bancorp reported strong Q1 2026 earnings with EPS of $0.66, a 30.5% beat versus consensus of $0.45, and revenue of $34.75 million (net interest income + noninterest income), exceeding the $32.4 million estimate. Net income rose to $11.3 million, driven by a higher net interest margin (3.15% vs 2.99% prior quarter) and a reversal of credit loss provision ($200K reversal vs $600K provision).
Key Financial Metrics
Key Facts
- EPS of $0.66 vs. consensus $0.45 (30.5% beat)
- Total revenue (net interest + noninterest income) of $34.75 million vs. $32.4 million estimate
- Net interest margin expanded to 3.15% from 2.99% in prior quarter
- Pre-tax pre-provision income up 16% QoQ to $15.5 million
- Nonperforming assets down 9% to $48.8 million
- Dividend maintained at $0.16 per share
Financial Impact
EPS beat by $0.21, revenue beat by ~$2.35 million; net income up 11% QoQ
Risk Factors
- Modest loan growth ($10.9 million QoQ)
- Wholesale deposits down $61.9 million
- Net unrealized losses on AFS securities increased to $20.4 million
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3277468 |
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 25d 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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