RBB FY 2025 Earnings Report — RBB Bancorp Revenue & Financial Results | Market Cap Arena

FY 2025 Earnings

Reported March 9, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$238M	—	$232M	—	2.6%
Op. Income	$42M	—	$36M	—	18.1%
Gross Margin	49.9%	—	45.2%	—	4.7pp
Net Margin	13.4%	—	11.5%	—	1.9pp
EPS (Diluted)	$1.83	—	$1.47	—	24.5%
Free Cash Flow	$43M	—	$58M	—	-26.2%

Revenue Flow

Item	Amount
REVENUE	$238M
Cost of Revenue	$119M
GROSS PROFIT	$119M
R&D Expenses	$0
Selling & Marketing	$863.0K
General & Administrative	$46M
SG&A Expenses	$47M
Other Expenses	$30M
Operating Expenses	$77M
Cost & Expenses	$196M
OPERATING INCOME	$42M
Interest Income	$220M
Interest Expense	$109M
Other Income/Expenses	$0
INCOME BEFORE TAX	$42M
Income Tax Expense	$10M
Net Income from Continuing Ops	$32M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$32M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$32M
D&A	$7M
EBIT	$42M
EBITDA	$49M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$238M
Cost of Revenue	$119M
GROSS PROFIT	$119M
R&D Expenses	$0
Selling & Marketing	$863.0K
General & Administrative	$46M
SG&A Expenses	$47M
Other Expenses	$30M
Operating Expenses	$77M
Cost & Expenses	$196M
OPERATING INCOME	$42M
Interest Income	$220M
Interest Expense	$109M
Other Income/Expenses	$0
INCOME BEFORE TAX	$42M
Income Tax Expense	$10M
Net Income from Continuing Ops	$32M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$32M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$32M
D&A	$7M
EBIT	$42M
EBITDA	$49M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$32M
Depreciation & Amortization	$9M
Stock-Based Compensation	$2M
Deferred Income Tax	$1M
Other Non-Cash Items	$6M
Change in Working Capital	-$7M
OPERATING CASH FLOW	$43M
Capital Expenditure	-$798.0K
Acquisitions (Net)	$0
Purchases of Investments	-$268M
Sales/Maturities of Investments	$287M
Other Investing Activities	-$279M
NET CASH FROM INVESTING	-$260M
Net Debt Issuance	-$70M
Common Stock Repurchased	-$14M
Common Dividends Paid	-$11M
Other Financing Activities	$266M
NET CASH FROM FINANCING	$171M
FREE CASH FLOW	$43M
Net Change in Cash	-$45M

Balance Sheet

Item	Amount
Cash & Equivalents	$27M
Short-Term Investments	$407M
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$434M
PP&E (Net)	$71M
Goodwill	$71M
Intangible Assets	$1M
Long-Term Investments	$3.3B
Tax Assets	$0
Other Non-Current Assets	$359M
TOTAL NON-CURRENT ASSETS	$3.8B
TOTAL ASSETS	$4.2B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$3.4B
TOTAL CURRENT LIABILITIES	$3.4B
Long-Term Debt	$290M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$20M
TOTAL NON-CURRENT LIABILITIES	$334M
TOTAL LIABILITIES	$3.7B
Common Stock	$251M
Additional Paid-In Capital	$4M
Retained Earnings	$282M
Treasury Stock	$0
Accum. Other Comp. Income	-$13M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$523M
Minority Interest	$72.0K
TOTAL EQUITY	$523M
TOTAL LIABILITIES & EQUITY	$4.2B
Total Debt	$315M
Net Debt	$288M