Filing Flows › RBB Bancorp (RBB) › Q2 2025
RBB Bancorp (RBB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
RBB Bancorp (RBB) reported revenue of $35.8M for the second quarter 2025 (Q2 2025), +30% from a year earlier and +26% from the quarter before. Operating margin was 36.1%, net earnings $9.3M (26.1% of revenue).
RBB Bancorp, Q2 2025: revenue $35.8M (+30% year over year), operating margin 36.1%, net earnings $9.3M, operating cash flow $21.7M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $35.8M | +26% | +30% |
| Operating profit | $12.9M | +305% | +32% |
| Net earnings | $9.3M | +308% | +29% |
| Operating cash flow | $21.7M | +179% | +86% |
| Free cash flow | $21.6M | +184% | +87% |
What changed
Revenue was $35.8M in Q2 2025, up 30% year over year and up 26% from the previous quarter.
Operating profit was $12.9M, a 36.1% margin (up 0.5 points year over year). Of the extra revenue versus a year earlier, 38% reached operating profit, above the 36% margin then. Total costs grew 29% against revenue growth of 30%. The fastest-growing cost line was Credit loss provision (+295%). Net earnings were $9.3M, up 29% year over year. The effective tax rate was 27.8%.
Operating cash flow was $21.7M (up 86% year over year), 232% of net earnings. Non-cash charges added back $925K of share-based compensation. Working capital and other items added $11.4M. Capital expenditures of $98K left free cash flow of $21.6M.
Questions
What was RBB Bancorp's revenue in the second quarter 2025?
RBB Bancorp (RBB) reported revenue of $35.8M for the second quarter 2025 (Q2 2025), +30% from a year earlier and +26% from the quarter before.
Was RBB Bancorp profitable in the second quarter 2025?
Operating profit was $12.9M (36.1% of revenue) and net earnings $9.3M.
Source: RBB Bancorp 10-Q on SEC EDGAR.