The modest EPS beat and improving credit quality are positive, but NIM compression and revenue miss cap upside. Monitor NIM trends and loan growth; the buyback plan provides downside support. Next catalyst: Q3 2026 earnings in October.
Price Chart
Executive Summary
RBB Bancorp reported Q2 2026 EPS of $0.59, beating consensus by 9.3%, but total revenue of $33.1M slightly missed estimates. Net interest margin compressed 9 bps to 3.06% due to higher subordinated note costs, while credit quality improved with nonperforming loans down 47% QoQ. The company announced a new share repurchase plan for up to 1M shares and partially redeemed $40M in subordinated notes.
Key Financial Metrics
Key Facts
- Q2 2026 diluted EPS $0.59 vs consensus $0.54 (beat 9.3%)
- Total revenue $33.1M vs consensus $33.2M (miss 0.3%)
- Net interest margin 3.06%, down 9 bps from prior quarter
- Nonperforming loans fell to $23.8M from $44.6M (down 47% QoQ)
- New share repurchase plan authorized up to 1M shares through June 2028
- Partial redemption of $40M subordinated notes completed on July 1, 2026
Financial Impact
EPS beat ~$0.05 above consensus, revenue shortfall ~$0.1M. Net interest income down $0.4M QoQ but up $2.8M YoY.
Risk Factors
- Further NIM compression if subordinated notes continue to reprice higher
- Noninterest income volatility from OREO gains/losses
- Potential for higher credit losses if economic conditions worsen
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3330102 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 8d ago | 8-K | $26.13 $26.18 | ▲ +0.19% | ▲ +0.11% | $26.18 (+0.19%) |
Oct 19, 2026 8d ago | Press Release | $26.13 $26.39 | ▲ +0.99% | ▲ +0.97% | $26.18 (+0.19%) |
Oct 1, 2026 26d ago | Press Release | $26.22 | awaiting T+5 | — | $26.18 (−0.15%) |
Jul 20, 2026 14w ago | Press Release | $26.63 $26.56 | ▼ −0.26% | ▲ +0.97% | $26.18 (−1.69%) |
Jun 15, 2026 19w ago | 8-K | $25.00 $25.50 | ▲ +2.00% | ▲ +3.38% | $26.18 (+4.72%) |
May 7, 2026 24w ago | 144 | $24.05 $23.35 | ▼ −2.91% | ▼ −4.37% | $26.18 (+8.86%) |
May 4, 2026 25w ago | Insider Cluster | $23.89 $23.53 | ▼ −1.51% | ▼ −4.44% | $26.18 (+9.59%) |
May 4, 2026 25w ago | Insider Cluster | $23.89 $23.53 | ▼ −1.51% | ▼ −4.44% | $26.18 (+9.59%) |
May 4, 2026 25w ago | Insider Cluster | $23.53 $23.32 | ▼ −0.89% | ▼ −0.81% | $26.18 (+11.26%) |
Apr 29, 2026 26w ago | Insider Cluster | $23.71 $24.14 | ▲ +1.81% | ▼ −1.30% | $26.18 (+10.42%) |
US Market Status
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