RBB Bancorp | 10-Q: FY2025 Q3 Revenue: USD 60.69 M

Revenue: As of FY2025 Q3, the actual value is USD 60.69 M.

EPS: As of FY2025 Q3, the actual value is USD 0.59, beating the estimate of USD 0.41.

EBIT: As of FY2025 Q3, the actual value is USD -16.02 M.

Segment Revenue

• Interest and Fees on Loans: $50,094 thousand for the three months ended September 30, 2025, compared to $47,326 thousand for the same period in 2024.
• Interest on Investment Securities: $4,592 thousand for the three months ended September 30, 2025, compared to $3,127 thousand for the same period in 2024.

Operational Metrics

• Net Income: $10,148 thousand for the three months ended September 30, 2025, compared to $6,999 thousand for the same period in 2024.
• Provision for Credit Losses: $625 thousand for the three months ended September 30, 2025, compared to $3,300 thousand for the same period in 2024.
• Noninterest Expense: $18,683 thousand for the three months ended September 30, 2025, compared to $17,421 thousand for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: $31,546 thousand for the nine months ended September 30, 2025, compared to $41,021 thousand for the same period in 2024.
• Net Cash Used in Investing Activities: - $244,377 thousand for the nine months ended September 30, 2025, compared to - $62,024 thousand for the same period in 2024.

Unique Metrics

• Allowance for Loan Losses: $44,892 thousand as of September 30, 2025, compared to $47,729 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to maintain its Minority Depository Institution (MDI) designation, which has historically been beneficial, and continue to use the program for technical assistance.
• Non-Core Business: No specific plans related to divestitures or emerging segments were mentioned in the report.