RBB Bancorp (RBB) Income Statement
RBB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRBB revenue and net income
Where RBB's revenue goes
2025Each bar shows an amount and its share of revenue. RBB kept 13.4% of revenue as net income.
RBB profit margins
RBB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +2.6% | +7.5% | +9.2% | +16.8% |
| Gross profit | +13.3% | −8.5% | +2.1% | +10.9% |
| Operating income | +18.1% | −22.7% | −2.4% | +6.7% |
| Net income | +19.8% | −20.8% | −0.6% | +9.4% |
| EPS (diluted) | +14.4% | −20.6% | −0.1% | +7.4% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RBB quarterly EPS vs estimates
RBB Bancorp beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 19, 2026 (estimate $0.57).
RBB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $238.0M | $232.0M | $236.1M | $191.5M | $165.8M | $153.1M | $159.9M | $113.6M | $87.2M | $77.0M |
| Cost of revenue | $119.2M | $127.2M | $105.2M | $36.4M | $26.7M | $46.1M | $47.1M | $26.7M | $12.8M | $16.5M |
| Gross profit | $118.8M | $104.8M | $130.9M | $155.1M | $139.1M | $107.0M | $112.8M | $86.8M | $74.4M | $60.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | — |
| Sales, general & admin | $46.6M | $44.3M | $43.0M | $40.0M | $37.4M | $36.4M | $41.6M | $29.1M | $21.1M | $17.8M |
| Total operating expenses | $76.7M | $69.2M | $70.7M | $63.8M | $58.2M | $59.5M | $57.5M | $40.6M | $27.6M | $27.9M |
| Operating income | $42.1M | $35.7M | $60.2M | $91.3M | $80.9M | $47.5M | $55.3M | $46.2M | $46.8M | $32.6M |
| Interest income | $221.1M | $215.3M | $217.9M | $180.0M | $146.2M | $138.5M | $140.6M | $101.5M | $73.6M | $67.4M |
| Interest expense | $108.8M | $117.3M | $101.9M | $31.4M | $22.7M | $34.4M | $44.9M | $23.6M | $13.9M | $11.7M |
| Income before taxes | $42.1M | $35.7M | $60.2M | $91.3M | $80.9M | $47.5M | $55.3M | $46.2M | $46.8M | $32.6M |
| Income taxes | $10.2M | $9.0M | $17.8M | $27.0M | $24.0M | $14.5M | $16.1M | $10.1M | $21.3M | $13.5M |
| Net income | $31.9M | $26.7M | $42.5M | $64.3M | $56.9M | $32.9M | $39.2M | $36.1M | $25.5M | $19.1M |
| EBITDA | $50.9M | $44.9M | $69.9M | $102.4M | $94.5M | $55.3M | $62.1M | $51.3M | $49.2M | $33.9M |
| EPS (diluted) | $1.67 | $1.46 | $2.42 | $3.33 | $2.87 | $1.68 | $1.94 | $2.04 | $1.78 | $1.49 |
| Gross margin | 49.9% | 45.2% | 55.4% | 81.0% | 83.9% | 69.9% | 70.5% | 76.5% | 85.3% | 78.6% |
| Operating margin | 17.7% | 15.4% | 25.5% | 47.7% | 48.8% | 31.0% | 34.6% | 40.7% | 53.7% | 42.3% |
| Net margin | 13.4% | 11.5% | 18.0% | 33.6% | 34.3% | 21.5% | 24.5% | 31.8% | 29.3% | 24.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $60.2M | $61.1M | $60.0M | $60.7M | $62.7M | $54.6M | $57.3M | $60.2M | $56.4M | $58.2M | $62.2M | $58.3M |
| Cost of revenue | $27.1M | $26.1M | $28.3M | $28.7M | $29.3M | $32.9M | $34.6M | $33.2M | $29.5M | $29.9M | $28.7M | $29.4M |
| Gross profit | $33.1M | $35.0M | $31.7M | $31.9M | $33.4M | $21.7M | $22.7M | $27.0M | $26.9M | $28.2M | $33.5M | $29.0M |
| Sales, general & admin | $15.7M | $16.8M | $10.9M | $11.8M | $12.2M | $11.7M | $11.0M | $11.1M | $10.9M | $11.3M | $10.4M | $11.1M |
| Total operating expenses | $19.0M | $19.3M | $19.0M | $18.7M | $20.5M | $18.5M | $17.6M | $17.4M | $17.1M | $17.0M | $16.4M | $16.9M |
| Operating income | $14.1M | $15.7M | $12.8M | $13.3M | $12.9M | $3.2M | $5.1M | $9.6M | $9.8M | $11.3M | $17.1M | $12.1M |
| Interest income | $56.9M | $56.0M | $58.2M | $57.1M | $53.9M | $52.0M | $54.2M | $54.1M | $52.6M | $54.5M | $54.5M | $55.3M |
| Interest expense | $27.1M | $26.3M | $27.7M | $28.1M | $26.9M | $26.2M | $28.6M | $29.9M | $28.9M | $29.9M | $29.2M | $28.0M |
| Income before taxes | $14.1M | $15.7M | $12.8M | $13.3M | $12.9M | $3.2M | $5.1M | $9.6M | $9.8M | $11.3M | $17.1M | $12.1M |
| Income taxes | $3.9M | $4.4M | $2.6M | $3.1M | $3.6M | $900,000 | $672,000 | $2.6M | $2.5M | $3.2M | $5.0M | $3.6M |
| Net income | $10.1M | $11.3M | $10.2M | $10.1M | $9.3M | $2.3M | $4.4M | $7.0M | $7.2M | $8.0M | $12.1M | $8.5M |
| EBITDA | $14.1M | $17.9M | $14.9M | $15.5M | $15.2M | $5.4M | $7.4M | $11.9M | $12.1M | $13.6M | $19.5M | $14.5M |
| EPS (diluted) | $0.59 | $0.66 | $0.59 | $0.59 | $0.36 | $0.13 | $0.25 | $0.39 | $0.39 | $0.43 | $0.64 | $0.62 |
| Gross margin | 55.0% | 57.3% | 52.9% | 52.6% | 53.3% | 39.7% | 39.6% | 44.9% | 47.7% | 48.6% | 53.8% | 49.6% |
| Operating margin | 23.4% | 25.7% | 21.2% | 21.9% | 20.6% | 5.8% | 8.8% | 15.9% | 17.3% | 19.4% | 27.5% | 20.7% |
| Net margin | 16.9% | 18.5% | 17.0% | 16.7% | 14.9% | 4.2% | 7.7% | 11.6% | 12.9% | 13.8% | 19.4% | 14.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RBB's financial statements (latest annual report filed March 9, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RBB financial results
In fiscal year 2025 (ended December 31, 2025), RBB Bancorp reported revenue of $238.0 million, up 2.6% from the year before. It had net income of $31.9 million (up 19.8%), a net profit margin of 13.4%. Diluted earnings per share came to $1.67. Over five years revenue grew at an average rate of 9.2% a year.
See the RBB stock overview for the latest quote and news, or the RBB chart for price history and technical indicators.
RBB income statement FAQ
What is RBB Bancorp's annual revenue?
RBB Bancorp reported total revenue of $238.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 2.6% from $232.0 million the previous year.
Is RBB Bancorp profitable?
Yes. RBB Bancorp reported net income of $31.9 million in fiscal 2025, a net profit margin of 13.4%; its operating margin was 17.7%.
What is RBB Bancorp's gross margin?
RBB Bancorp's gross margin was 49.9% in fiscal 2025: for every $100 of revenue, RBB Bancorp kept $50 after the direct cost of its products and services.
How fast is RBB Bancorp growing?
Revenue grew 9.2% a year on average over the last five fiscal years, from $153.1 million to $238.0 million.
What are RBB Bancorp's earnings per share?
RBB Bancorp earned $1.67 per diluted share in fiscal 2025, compared with $1.46 a year earlier.
When will RBB Bancorp report its next earnings?
RBB Bancorp is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does RBB Bancorp's fiscal year end?
RBB Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 9, 2026.