RBB(US:RBB) ZACKS·2026-01-27 01:00Core Insights - RBB reported revenue of $32.32 million for Q4 2025, a year-over-year increase of 12.6%, with an EPS of $0.59 compared to $0.25 a year ago, indicating strong growth in profitability [1] - The revenue fell short of the Zacks Consensus Estimate by 1.89%, while the EPS exceeded the consensus estimate by 20.41% [1] Financial Performance Metrics - Non-Performing Assets stood at $53.46 million, higher than the average estimate of $47.68 million from five analysts [4] - Total interest-earning assets averaged $3.92 billion, slightly below the five-analyst average estimate of $3.97 billion [4] - The Efficiency Ratio was reported at 58.7%, above the average estimate of 56.7% from five analysts [4] - Net interest margin was consistent at 3%, matching the average estimate from five analysts [4] - Net charge-offs to average loans were 0.2%, better than the average estimate of 0.3% [4] - Total risk-based capital ratio was 23.8%, exceeding the average estimate of 22.7% from three analysts [4] - Tier 1 leverage ratio was reported at 11.6%, slightly above the average estimate of 11.4% from three analysts [4] - Tier 1 risk-based capital ratio was 18.1%, higher than the average estimate of 17% from three analysts [4] - Total noninterest income was $2.81 million, below the average estimate of $3 million from five analysts [4] - Net interest income before provision for credit losses was $29.51 million, compared to the average estimate of $29.94 million from five analysts [4] - Gain on sale of loans was $0.46 million, exceeding the average estimate of $0.3 million from five analysts [4] - Loan servicing fees, net of amortization, were reported at $0.56 million, matching the average estimate from four analysts [4] Stock Performance - RBB shares returned +1.6% over the past month, outperforming the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]