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RBB Bancorp

Data quality: 100%
RBB
Nasdaq Financial Services Depository Institutions
$22.63
▼ $0.12 (-0.53%)
Mkt Cap: 389.46 M
Price
$22.82
Mkt Cap
389.46 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue declined -7.53% annually over 5 years
Earnings grew 19.81% over the past year
Net margin of 618.31% shows strong profitability
Debt/Equity of 0.23 — conservative balance sheet
Generating 42.59 M in free cash flow
P/E of 12.19 — trading at a low valuation

Growth

Revenue Growth (5Y)
-7.53%
Below sector avg (5.90%)
Revenue (1Y)-2.38%
Earnings (1Y)19.81%
FCF Growth (3Y)-8.29%

Quality

Return on Equity
6.19%
Below sector avg (9.24%)
ROICN/A
Net Margin618.31%
Op. MarginN/A

Safety

Debt / Equity
0.23
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|2027)
12.19 | 9.82
Above sector avg (11.15)
P/B Ratio0.76
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 12.2 11.1
P/B 0.8 1.2
ROE % 6.2 9.2
Net Margin % 618.3 9.4
Rev Growth 5Y % -7.5 5.9
D/E 0.2 0.5

Analyst Price Target

5 analysts
Hold
Current
$22.63
-0.1%
Target
$22.60
$21.00
$23.00
$23.00
Forecast
Forward P/E 9.74
Forward EPS $2.32
EPS Growth (est.) +12.4%
Est. Revenue 146.27 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $2.32
$2.17 – $2.60
 146.27 M 5
FY2026 $2.07
$1.98 – $2.24
 134.89 M 5

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.49 $0.59 +20.4%
Q32025 $0.41 $0.59 +43.9%
Q22025 $0.36 $0.36 -0.5%
Q12025 $0.38 $0.13 -65.8%

ETFs Holding This Stock

BRUSX BRUSX
0.23% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.17% weight
HWVIX HWVIX
0.13% weight
HWVZX HWVZX
0.13% weight
HWVAX HWVAX
0.13% weight
BOSVX BOSVX
0.10% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.08% weight
PSVDX PSVDX
0.07% weight
TASVX TASVX
0.07% weight
TSVRX TSVRX
0.07% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -2.38% Revenue Growth (3Y) -1.47%
Earnings Growth (1Y) 19.81% Earnings Growth (3Y) -13.26%
Revenue Growth (5Y) -7.53% Earnings Growth (5Y) -13.44%
Profitability
Revenue (TTM) 5.17 M Net Income (TTM) 31.95 M
ROE 6.19% ROA 0.77%
Gross Margin N/A Operating Margin N/A
Net Margin 618.31% Free Cash Flow (TTM) 42.59 M
ROIC N/A FCF Growth (3Y) -8.29%
Safety
Debt / Equity 0.23 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 442.84 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 12.19 Forward P/E N/A
P/B Ratio 0.76 P/S Ratio 75.37
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 10.94%
Market Cap 389.46 M Enterprise Value 274.34 M
Per Share
EPS (Diluted TTM) 1.83 Revenue / Share 0.30
FCF / Share 2.50 OCF / Share 2.54
EPS CAGR (1Y) 24.49% EPS CAGR (5Y) -10.56%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 15.44% FCF Conversion 133.31%
SBC-Adj. FCF 40.88 M Growth Momentum 5.15

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 5.17 M 5.29 M 5.32 M 5.58 M 7.07 M
Net Income 31.95 M 26.67 M 42.47 M 64.33 M 56.91 M
EPS (Diluted) 1.83 1.47 2.24 3.33 2.86
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 4.80 M 4.80 M 101.86 M 31.42 M 22.72 M
Income Tax 10.19 M 9.01 M 17.78 M 27.02 M 24.03 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.21 B 3.99 B 4.03 B 3.92 B 4.23 B
Total Liabilities 3.68 B 3.48 B 3.51 B 3.43 B 3.76 B
Shareholders' Equity 523.40 M 507.88 M 511.26 M 484.56 M 466.68 M
Total Debt 119.91 M 119.53 M 119.15 M 173.59 M 173.01 M
Cash & Equivalents 212.32 M 257.75 M — 83.55 M 694.37 M
Current Assets — — — — —
Current Liabilities — — — — —