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RBB Bancorp (RBB) guidance and outlook

RBB Bancorp's 10-Q filed Nov 6, 2026 makes 8 forward-looking statements.

Guidance and outlook

8 statements; tone -0.50 (−1 all cautious, +1 all confident); 0 hedged.

Forward-looking statements, 10-Q filed Nov 6, 2026

Management compared the stress test results to our internal forecasts for earnings and capital and has concluded that the Company would remain well-capitalized under these stressed scenarios.
We expect to continue to meet the criteria for MDI designation and intend to maintain our MDI designation, which has been historically beneficial to us.
As such, management does not deem these securities to be impaired under the current expected credit loss model.
The ACL includes the ALL and the reserve for unfunded commitments ("RUC") and is maintained at a level deemed appropriate by management to provide for expected credit losses in the portfolio as of the date of the consolidated balance sheets.
Our discounted cash flow loss rate methodology incorporates a probability of default, loss given default and exposure at default to derive expected loss within the CECL model, as well as expectations of future economic conditions, using reasonable and supportable forecasts.
Our CECL methodology utilizes a four-quarter reasonable and supportable forecast period, and a four-quarter reversion period.
We use the Federal Open Market Committee forecasts for the national unemployment rate, while reverting to historical loss information.
We have sufficient capital and do not anticipate any need for additional liquidity sources as of September 30, 2026.

RBB Bancorp's latest quarter

RBB Bancorp, Q3 2026: revenue $36.9M (+13% year over year), operating margin 45.6%, net earnings $12.6M, operating cash flow −$820K. The chart follows the revenue to costs, profit and cash.

Questions

What does RBB Bancorp expect?

Management compared the stress test results to our internal forecasts for earnings and capital and has concluded that the Company would remain well-capitalized under these stressed scenarios. We expect to continue to meet the criteria for MDI designation and intend to maintain our MDI designation, which has been historically beneficial to us. As such, management does not deem these securities to be impaired under the current expected credit loss model.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.