RBB BANCORP (RBB) Stock Fundamental Analysis
NASDAQ:RBB - Nasdaq - US74930B1052 - Common Stock - Currency: USD
Overall RBB gets a fundamental rating of 3 out of 10. We evaluated RBB against 396 industry peers in the Banks industry. RBB may be in some trouble as it scores bad on both profitability and health. RBB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year RBB was profitable.
RBB had a positive operating cash flow in the past year.
RBB had positive earnings in each of the past 5 years.
Each year in the past 5 years RBB had a positive operating cash flow.
1.2 Ratios
RBB has a Return On Assets of 0.52%. This is in the lower half of the industry: RBB underperforms 74.75% of its industry peers.
RBB has a worse Return On Equity (4.10%) than 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 4.1% | ||
| ROIC | N/A |
ROA(3y)1.12%
ROA(5y)1.14%
ROE(3y)8.94%
ROE(5y)9.33%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 18.20%, RBB is doing worse than 68.18% of the companies in the same industry.
RBB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for RBB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.3%
PM growth 5Y-7.35%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RBB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RBB has been reduced compared to 1 year ago.
Compared to 5 years ago, RBB has less shares outstanding
Compared to 1 year ago, RBB has a worse debt to assets ratio.
2.2 Solvency
RBB has a debt to FCF ratio of 2.23. This is a good value and a sign of high solvency as RBB would need 2.23 years to pay back of all of its debts.
The Debt to FCF ratio of RBB (2.23) is comparable to the rest of the industry.
RBB has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.26, RBB is not doing good in the industry: 66.92% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for RBB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RBB have decreased strongly by -37.68% in the last year.
The Earnings Per Share has been decreasing by -5.53% on average over the past years.
The Revenue for RBB has decreased by -14.60% in the past year. This is quite bad
Measured over the past years, RBB shows a decrease in Revenue. The Revenue has been decreasing by -0.07% on average per year.
EPS 1Y (TTM)-37.68%
EPS 3Y-19.7%
EPS 5Y-5.53%
EPS Q2Q%33.33%
Revenue 1Y (TTM)-14.6%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%33.14%
3.2 Future
The Earnings Per Share is expected to grow by 13.10% on average over the next years. This is quite good.
Based on estimates for the next years, RBB will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y-9.76%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.41%
Revenue Next 2Y7.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.15, RBB is valued correctly.
Based on the Price/Earnings ratio, RBB is valued a bit more expensive than the industry average as 60.10% of the companies are valued more cheaply.
RBB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.46, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.77, which indicates a very decent valuation of RBB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RBB is on the same level as its industry peers.
RBB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RBB indicates a rather cheap valuation: RBB is cheaper than 90.15% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as RBB's earnings are expected to grow with 13.10% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RBB has a Yearly Dividend Yield of 3.50%. Purely for dividend investing, there may be better candidates out there.
RBB's Dividend Yield is a higher than the industry average which is at 3.29.
RBB's Dividend Yield is a higher than the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
5.2 History
On average, the dividend of RBB grows each year by 10.03%, which is quite nice.
RBB has been paying a dividend for over 5 years, so it has already some track record.
RBB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)10.03%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
RBB pays out 55.50% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of RBB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.5%
EPS Next 2Y13.1%
EPS Next 3YN/A
18.25
-0.01 (-0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.54%
Inst Owner Change-0.01%
Ins Owners6.21%
Ins Owner Change2.14%
Market Cap323.75M
Analysts50
Price Target18.46 (1.15%)
Short Float %1.15%
Short Ratio3.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
Yearly Dividend0.65
Dividend Growth(5Y)10.03%
DP55.5%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-48.35%
Min EPS beat(2)-66.11%
Max EPS beat(2)-30.59%
EPS beat(4)2
Avg EPS beat(4)-20.42%
Min EPS beat(4)-66.11%
Max EPS beat(4)13.44%
EPS beat(8)6
Avg EPS beat(8)6%
EPS beat(12)9
Avg EPS beat(12)3.01%
EPS beat(16)13
Avg EPS beat(16)3.52%
Revenue beat(2)1
Avg Revenue beat(2)-0.76%
Min Revenue beat(2)-2.61%
Max Revenue beat(2)1.09%
Revenue beat(4)2
Avg Revenue beat(4)0.36%
Min Revenue beat(4)-2.77%
Max Revenue beat(4)5.75%
Revenue beat(8)5
Avg Revenue beat(8)3.64%
Revenue beat(12)6
Avg Revenue beat(12)2.16%
Revenue beat(16)8
Avg Revenue beat(16)1.68%
PT rev (1m)1.12%
PT rev (3m)-8.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.15 | ||
| Fwd PE | 9.77 | ||
| P/S | 2.82 | ||
| P/FCF | 5.34 | ||
| P/OCF | 5.27 | ||
| P/B | 0.63 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY7.07%
EPS(NY)1.87
Fwd EY10.23%
FCF(TTM)3.42
FCFY18.72%
OCF(TTM)3.46
OCFY18.97%
SpS6.48
BVpS28.76
TBVpS24.25
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 4.1% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.2% | ||
| GM | N/A | ||
| FCFM | 52.74% |
ROA(3y)1.12%
ROA(5y)1.14%
ROE(3y)8.94%
ROE(5y)9.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-16.3%
PM growth 5Y-7.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 19.98% | ||
| Cap/Sales | 0.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 289.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC19.18%
ROIC/WACCN/A
Cap/Depr(3y)22.8%
Cap/Depr(5y)29.33%
Cap/Sales(3y)0.83%
Cap/Sales(5y)1.48%
Profit Quality(3y)159.43%
Profit Quality(5y)239.4%
High Growth Momentum
Growth
EPS 1Y (TTM)-37.68%
EPS 3Y-19.7%
EPS 5Y-5.53%
EPS Q2Q%33.33%
EPS Next Y-9.76%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.6%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%33.14%
Revenue Next Year6.41%
Revenue Next 2Y7.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-19.74%
FCF growth 3Y-33.94%
FCF growth 5Y-34.4%
OCF growth 1Y-20.65%
OCF growth 3Y-33.86%
OCF growth 5Y-34.26%