For the quarter ending 2025-09-30, RBB had $43,078K increase in cash & cash equivalents over the period. $1,753K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 10,148 | 11,623 |
| Depreciation and amortization of premises and equipment | 459 | 941 |
| Net accretion of securities, loans, deposits, and other | 1,012 | 1,667 |
| Amortization of investment in affordable housing tax credits | 572 | 952 |
| Amortization of intangible assets | 454 | 951 |
| Amortization of right-of-use asset | 1,286 | 2,545 |
| Change in operating lease liabilities | -1,265 | -2,462 |
| Provision for credit losses | 625 | 9,133 |
| Stock-based compensation | 270 | 1,180 |
| Deferred tax expense (benefit) | 1,572 | -329 |
| Gain on sale of loans | 260 | 439 |
| Gain on sale and transfer of oreo | 0 | 0 |
| Gain on sale of fixed assets | 0 | 42 |
| Increase in cash surrender value of life insurance | 427 | 814 |
| Loans originated for sale, net | 4,522 | 1,938 |
| Proceeds from loans held for sale | 5,870 | 8,574 |
| Other items | -11,654 | 1,222 |
| Net cash provided by operating activities | 2,116 | 29,430 |
| Purchases | 106,395 | 110,410 |
| Maturities, repayments and calls | 112,259 | 124,717 |
| Maturities, repayments and calls | 0 | 1,000 |
| Net (increase) decrease in other equity securities | -40 | 228 |
| Net increase of investment in qualified affordable housing projects | 298 | 1,538 |
| Net increase in loans | 87,771 | 217,800 |
| Proceeds from sales of loans originally classified as hfi | 10,592 | 24,528 |
| Proceeds from sales of oreo | 0 | 7,526 |
| Proceeds from sale of fixed assets | 0 | 42 |
| Purchases of premises and equipment | 363 | 278 |
| Net cash used in investing activities | -71,936 | -172,441 |
| Net increase in demand deposits and savings accounts | 36,621 | 9,518 |
| Net increase (decrease) in time deposits | 141,585 | 94,871 |
| Proceeds from fhlb advances | 20,000 | 150,000 |
| Repayments of fhlb advances | 70,000 | 170,000 |
| Cash dividends paid | 2,783 | 5,719 |
| Restricted stock units vesting | 41 | 224 |
| Common stock repurchased, net of repurchase costs | 12,484 | 1,499 |
| Exercise of stock options | 0 | 171 |
| Net cash provided by (used in) financing activities | 112,898 | 77,118 |
| Net decrease in cash and cash equivalents | 43,078 | -65,893 |
| Cash and cash equivalents at beginning of period | 257,745 | - |
| Cash and cash equivalents at end of period | 234,930 | - |
RBB Bancorp (RBB)
RBB Bancorp (RBB)