RBB Bancorp
Financial ServicesNASDAQ:RBB · NASDAQ Global Select
+$0.24 today
Vol 0.18M · Avg 0.09M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$244.4M of revenue converted into $41.0M of net income for the selected period. Gross margin is 54.0% and net margin is 16.8%, showing how much revenue survives after costs and taxes. EPS is $2.36, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $238.0M +2.6% | $232.0M -1.8% | $236.1M +23.3% | $191.5M +15.5% | $165.8M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $119.2M -6.3% | $127.2M +20.8% | $105.2M +189.5% | $36.4M +36.3% | $26.7M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $118.8M +13.3% | $104.8M -19.9% | $130.9M -15.6% | $155.1M +11.5% | $139.1M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 49.9% +4.7pp | 45.2% -10.2pp | 55.4% -25.6pp | 81.0% -2.9pp | 83.9% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $46.6M +5.1% | $44.3M +3.1% | $43.0M +7.5% | $40.0M +6.9% | $37.4M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $76.7M +10.8% | $69.2M -2.1% | $70.7M +10.8% | $63.8M +9.6% | $58.2M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $6.6M -28.3% | $9.3M -3.9% | $9.6M -12.6% | $11.0M -18.6% | $13.5M | $374.2M | $1.2B | $631.8M |
| EBITDA | $48.8M +8.5% | $44.9M -35.7% | $69.9M -31.7% | $102.4M +8.4% | $94.5M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 20.5% +1.1pp | 19.4% -10.2pp | 29.6% -23.9pp | 53.5% -3.5pp | 57.0% | 5.6% | 46.3% | 42.0% |
| Operating Income | $42.1M +18.1% | $35.7M -40.8% | $60.2M -34.0% | $91.3M +12.9% | $80.9M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 17.7% +2.3pp | 15.4% -10.1pp | 25.5% -22.2pp | 47.7% -1.1pp | 48.8% | 16.6% | 24.1% | 22.0% |
| Interest Income | $220.1M +2.2% | $215.3M -2.1% | $220.0M +22.2% | $180.0M +23.1% | $146.2M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $108.8M -7.2% | $117.3M +15.2% | $101.9M +224.2% | $31.4M +38.3% | $22.7M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $42.1M +18.1% | $35.7M -40.8% | $60.2M -34.0% | $91.3M +12.9% | $80.9M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 17.7% +2.3pp | 15.4% -10.1pp | 25.5% -22.2pp | 47.7% -1.1pp | 48.8% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $10.2M +13.0% | $9.0M -49.3% | $17.8M -34.2% | $27.0M +12.4% | $24.0M | $1.3B | -$1.6B | $745.2M |
| Net Income | $31.9M +19.8% | $26.7M -37.2% | $42.5M -34.0% | $64.3M +13.0% | $56.9M | $4.9B | $4.8B | $4.7B |
| Net Margin | 13.4% +1.9pp | 11.5% -6.5pp | 18.0% -15.6pp | 33.6% -0.7pp | 34.3% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $2 +25.2% | $1 -34.4% | $2 -33.5% | $3 +15.4% | $3 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $2 +24.5% | $1 -34.4% | $2 -32.7% | $3 +16.4% | $3 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $17.0M -5.9% | $18.1M -4.4% | $19.0M -0.7% | $19.1M -1.7% | $19.4M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $17.1M -5.7% | $18.2M -4.2% | $19.0M -1.8% | $19.3M -2.5% | $19.8M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Orange County Bancorp, Inc.
NASDAQ:OBT
$492.47M
Ponce Financial Group, Inc.
NASDAQ:PDLB
$469.49M
Bankwell Financial Group, Inc.
NASDAQ:BWFG
$443.63M
Pioneer Bancorp, Inc.
NASDAQ:PBFS
$423.05M
Farmers & Merchants Bancorp, Inc.
NASDAQ:FMAO
$396.52M
Citizens & Northern Corporation
NASDAQ:CZNC
$395.24M
PCB Bancorp
NASDAQ:PCB
$378.50M
MVB Financial Corp.
NASDAQ:MVBF
$365.19M
USCB Financial Holdings, Inc.
NASDAQ:USCB
$357.06M
BayCom Corp
NASDAQ:BCML
$351.39M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does RBB generate?
RBB Bancorp (RBB) reported $238.00M of revenue in fiscal 2025.
Is RBB profitable?
RBB Bancorp (RBB) reported $31.95M of net income, with a net margin of 13.4%.
Explore More
Continue the stock analysis
Jump to another research area for this company.