RBB Bancorp (RBB) Q3 2025 Earnings Call Summary: Robust Loan Growth and Enhanced Asset Quality
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 22 2025
0mins
Source: Yahoo Finance
Net Income and Earnings Growth: RBB Bancorp reported a net income of $10.1 million, reflecting a 9% increase from the previous quarter and a 45% increase year-over-year, with earnings per share rising to $0.59 due to higher earnings and stock repurchase activity.
Loan and Deposit Performance: Loans held for investment grew by $68 million (8% annualized), while total deposits increased by $178 million to $3.4 billion, indicating strong asset growth and improved liquidity.
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Analyst Views on RBB
Wall Street analysts forecast RBB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for RBB is 21.50 USD with a low forecast of 21.00 USD and a high forecast of 22.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
0 Buy
2 Hold
0 Sell
Hold
Current: 20.350
Low
21.00
Averages
21.50
High
22.00
Current: 20.350
Low
21.00
Averages
21.50
High
22.00
About RBB
RBB Bancorp is a bank holding company. The Company's principal business is to serve as the holding company for its wholly owned banking subsidiaries, Royal Business Bank (the Bank) and RBB Asset Management Company (RAM). The Bank provides consumer and business banking services, predominately to the Asian-centric communities in Los Angeles County, Orange County, and Ventura County in California, in Las Vegas, Nevada, in Brooklyn, Queens, and Manhattan in New York, in Edison, New Jersey, in the Chicago neighborhoods of Chinatown and Bridgeport, Illinois, and on Oahu, Hawaii. The Bank’s services include remote deposit, e-banking, mobile banking, commercial and investor real estate loans, business loans and lines of credit, commercial and industrial loans, SBA 7A and 504 loans, 1-4 single family residential loans, trade finance, a full range of depository account products and wealth management services. It operates banking offices in Arcadia, Cerritos, Diamond Bar, Irvine, and more.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
RBB Bancorp Q4 Earnings Beat Expectations
- Earnings Beat: RBB Bancorp reported a Q4 GAAP EPS of $0.59, exceeding expectations by $0.10, indicating improved profitability that may boost investor confidence.
- Revenue Growth: The company achieved $32.3 million in revenue for Q4, a 12.5% year-over-year increase, although it fell short of market expectations, reflecting robust growth potential.
- Market Reaction: Despite missing revenue targets, the earnings beat could positively impact the stock price in the short term, attracting more investor interest.
- Financial Health: RBB Bancorp's financial data indicates ongoing improvements in profitability and revenue growth, potentially laying the groundwork for future investments and expansion.
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RBB Bancorp to Release 2025 Financial Results on January 26
- Earnings Release Schedule: RBB Bancorp will announce its financial results for the year ended December 31, 2025, after market close on January 26, 2026, which is expected to provide investors with critical financial data and business performance insights.
- Conference Call Timing: Management will hold a conference call on January 27, 2026, at 11:00 a.m. Pacific Time to discuss the financial results, aiming to enhance transparency and engage directly with investors.
- Webcast Availability: Investors can listen to the live webcast of the conference call in the 'Investor Relations' section of the company's website, further improving the accessibility and timeliness of information dissemination.
- Asset Size Overview: As of September 30, 2025, RBB Bancorp reported total assets of $4.2 billion, reflecting its robust growth and market position within the community banking sector.
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