RBB(US:RBB) ZACKSยท2025-10-15 14:18Core Insights - RBB is projected to report quarterly earnings of $0.41 per share, a 5.1% increase year-over-year, with revenues expected to reach $31.67 million, reflecting a 4.5% increase compared to the same period last year [1] Earnings Estimates - There has been no revision in the consensus EPS estimate for the quarter over the past 30 days, indicating that analysts have not changed their initial projections [2] - Changes in earnings estimates are crucial for predicting investor reactions, as empirical research shows a strong correlation between earnings estimate revisions and short-term stock price performance [3] Key Metrics Projections - Analysts predict the 'Efficiency Ratio' will be 57.7%, slightly up from 57.5% reported in the same quarter last year [5] - 'Non Performing Assets' are expected to reach $55.11 million, down from $60.66 million reported in the same quarter last year [5] - The 'Average Balance - Total interest earning assets' is projected at $3.83 billion, an increase from $3.65 billion reported in the same quarter last year [6] - 'Non Performing Loans' are estimated at $53.85 million, down from $60.66 million reported in the same quarter last year [6] Capital Ratios - The 'Tier 1 risk-based capital ratio' is expected to be 17.6%, down from 18.8% a year ago [7] - The 'Total risk-based capital ratio' is projected to reach 23.2%, compared to 24.8% from the previous year [7] - The 'Tier 1 leverage ratio' is expected to be 11.9%, down from 12.2% reported last year [7] Income Estimates - 'Total noninterest income' is projected to be $3.06 million, significantly lower than the $5.75 million reported in the same quarter last year [8] - The consensus estimate for 'Net Interest Income' stands at $28.61 million, up from $24.55 million reported in the same quarter last year [8] Stock Performance - RBB shares have shown a return of -6.1% over the past month, contrasting with the Zacks S&P 500 composite's +1% change, indicating underperformance relative to the market [8]