---
title: "RBB Bancorp's FY25 profit rises on loan growth and credit improvement"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/273749181.md"
description: "RBB Bancorp reported a 19.8% increase in fiscal 2025 net income, driven by loan growth and improved credit quality. Q4 net income reached $10.2 million with diluted EPS of $0.59. Nonperforming assets decreased by 34% to $53.5 million. The company is optimistic about future credit improvements. Analysts currently rate the stock as a \"hold\" with a median 12-month price target of $22.00, reflecting a slight increase from its recent closing price of $21.42."
datetime: "2026-01-26T21:34:05.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/273749181.md)
  - [en](https://longbridge.com/en/news/273749181.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/273749181.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/273749181.md) | [繁體中文](https://longbridge.com/zh-HK/news/273749181.md)


# RBB Bancorp's FY25 profit rises on loan growth and credit improvement

)

Overview

-   Community bank’s fiscal 2025 net income rose 19.8% yr/yr, driven by loan growth and credit improvement
-   Q4 net income totaled $10.2 mln, with diluted EPS of $0.59
-   Company’s nonperforming assets decreased 34% yr/yr to $53.5 mln

Outlook

-   Company remains optimistic about credit improvements in future quarters

Result Drivers

-   NET INTEREST MARGIN - Increase driven by reduced interest expense, particularly from lower FHLB advances
-   CREDIT QUALITY - Significant reduction in classified and criticized loans, indicating improved credit quality
-   NONPERFORMING ASSETS - Decrease in nonperforming assets as company resolves problem loans

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

### Q4 EPS $0.59

Q4 Net $10.20

Income mln

Q4 Net $29.50

Interest mln

Income

Q4 Net 2.99%

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 is $22.00, about 2.7% above its January 23 closing price of $21.42
-   The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact . (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.)

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