RBB (RBB) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - RBB reported revenue of $32.57 million for Q3 2025, a year-over-year increase of 7.5%, with an EPS of $0.59 compared to $0.39 a year ago, exceeding Zacks Consensus Estimate of $31.67 million by 2.85% and delivering an EPS surprise of 43.9% [1] Financial Performance Metrics - Efficiency Ratio was 57.4%, slightly better than the estimated 57.7% [4] - Net charge-offs to average loans stood at 0.8%, higher than the estimated 0.4% [4] - Non-Performing Assets totaled $54.31 million, slightly below the average estimate of $55.11 million [4] - Average Balance of Total Interest Earning Assets was $3.9 billion, exceeding the estimate of $3.83 billion [4] - Net Interest Margin was reported at 3%, matching the average estimate [4] - Non-Performing Loans were $45.48 million, significantly lower than the estimated $53.85 million [4] - Tier 1 Risk-Based Capital Ratio was 17.9%, above the estimated 17.6% [4] - Total Risk-Based Capital Ratio was 23.6%, slightly above the estimate of 23.2% [4] - Tier 1 Leverage Ratio was 11.5%, below the estimated 11.9% [4] - Total Non-Interest Income was $3.29 million, exceeding the estimate of $3.06 million [4] - Net Interest Income was $29.28 million, higher than the estimated $28.61 million [4] - Gain on Sale of Loans was $0.26 million, below the estimated $0.46 million [4] Stock Performance - RBB shares have returned -12.4% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change, and the stock currently holds a Zacks Rank 3 (Hold) [3]