Overview

* RBB Bancorp ( RBB ) Q3 net income rises 8.7% to $10.1 mln, beating analyst expectations

* EPS for Q3 beats consensus, driven by core earnings growth and lower credit costs

* Company repurchased $12.5 mln in common stock during Q3 2025

Outlook

* Company estimates annual effective tax rate for fiscal 2025 to be 26% to 27%

Result Drivers

* NET INTEREST INCOME - Increase driven by loan growth, per CEO Johnny Lee

* CREDIT COSTS - Lower credit costs contributed to net income growth, per CEO Johnny Lee

* LOAN GROWTH - Loans held for investment grew by $67.9 mln

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS Beat $0.59 $0.41 (5

Analysts

)

Q3 Net Beat $10.1 $7.23

Income mln mln (5

Analysts

)

Q3 Net $29.30

Interest mln

Income

Q3 Net 2.98%

Interest

Margin

Analyst Coverage

* The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 5 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy."

* Wall Street's median 12-month price target for RBB Bancorp ( RBB ) is $20.00, about 14.8% above its October 17 closing price of $17.03

* The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)