Key Metrics Analysis of RBB's Q4 Earnings

RBB (RBB - Free Report) has reported its earnings for the quarter ending December 2024, revealing some important figures that highlight the company's financial performance. In this quarter, RBB generated revenues of $28.71 million, which marks a decrease of 13.2% compared to the same period last year. The earnings per share (EPS) for this quarter stood at $0.25, down from $0.43 a year earlier.

When it comes to expectations, the reported revenue of $28.71 million was slightly higher than the Zacks Consensus Estimate of $28.17 million, resulting in a positive surprise of +1.92%. However, the EPS saw a negative surprise of -32.43%, as the consensus estimate was $0.37.

While many investors focus on headline figures such as revenue and earnings, analyzing key metrics can provide deeper insight into a company's true performance. These metrics are essential as they influence both the top and bottom lines and comparing them with previous year's results and analyst projections can aid in forecasting future stock performance.

Performance Metrics Overview

In the recently reported quarter, RBB demonstrated varied results across several key performance metrics:

• Net Interest Margin: RBB achieved a net interest margin of 2.8%, surpassing the average estimate of 2.7% based on input from two analysts.
• Efficiency Ratio: The efficiency ratio was reported at 61.5%, slightly higher than the average estimate of 60.9% derived from two analysts.
• Net Interest Income: The company posted net interest income of $25.98 million, exceeding the average estimate of $25.55 million from two analysts.
• Gain on Sale of Loans: RBB reported gains on the sale of loans of $0.38 million, which was below the average estimate of $0.48 million.
• Total Noninterest Income: Total noninterest income came in at $2.73 million, also falling short of the average estimate of $2.99 million from two analysts.

Overall, RBB's share price has declined by 7.6% in the last month, in contrast to the positive change of 2.7% in the S&P 500 composite. Currently, RBB holds a Zacks Rank of #4 (Sell), suggesting that it may underperform the broader market in the near future.

RBB, Earnings, Analysis