21.7 USD
-0.65 (-2.91%)
21.7 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RBB. RBB was compared to 388 industry peers in the Banks industry. RBB has a bad profitability rating. Also its financial health evaluation is rather negative. RBB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year RBB was profitable.
In the past year RBB had a positive cash flow from operations.
In the past 5 years RBB has always been profitable.
Each year in the past 5 years RBB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.62%, RBB is doing worse than 71.13% of the companies in the same industry.
With a Return On Equity value of 5.09%, RBB is not doing good in the industry: 76.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 5.09% | ||
| 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
RBB's Profit Margin of 20.83% is on the low side compared to the rest of the industry. RBB is outperformed by 63.92% of its industry peers.
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) | 20.83% | ||
| 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.
RBB has less shares outstanding than it did 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 2.81. This is a good value and a sign of high solvency as RBB would need 2.81 years to pay back of all of its debts.
RBB has a Debt to FCF ratio of 2.81. This is in the lower half of the industry: RBB underperforms 60.05% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that RBB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.26, RBB is doing worse than 64.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.19%
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 -19.46% in the last year.
Measured over the past years, RBB shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.53% on average per year.
The Revenue has been growing slightly by 5.45% in the past year.
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)-19.46%
EPS 3Y-19.7%
EPS 5Y-5.53%
EPS Q2Q%51.28%
Revenue 1Y (TTM)5.45%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%7.52%
3.2 Future
Based on estimates for the next years, RBB will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.56% on average per year.
Based on estimates for the next years, RBB will show a quite strong growth in Revenue. The Revenue will grow by 9.65% on average per year.
EPS Next Y20.02%
EPS Next 2Y20.78%
EPS Next 3Y17.56%
EPS Next 5YN/A
Revenue Next Year10.69%
Revenue Next 2Y10.83%
Revenue Next 3Y9.65%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.56 indicates a correct valuation of RBB.
Compared to the rest of the industry, the Price/Earnings ratio of RBB indicates a slightly more expensive valuation: RBB is more expensive than 63.14% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. RBB is valued slightly cheaper when compared to this.
RBB is valuated reasonably with a Price/Forward Earnings ratio of 10.19.
RBB's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of RBB to the average of the S&P500 Index (23.84), we can say RBB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RBB is valued cheaper than 82.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
RBB's earnings are expected to grow with 17.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y20.78%
EPS Next 3Y17.56%
5. Dividend
5.1 Amount
RBB has a Yearly Dividend Yield of 2.86%.
RBB's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, RBB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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 43.45% of its income as dividend. This is a bit on the high side, but may be sustainable.
RBB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.45%
EPS Next 2Y20.78%
EPS Next 3Y17.56%
21.7
-0.65 (-2.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.59%
Inst Owner Change0.92%
Ins Owners6.48%
Ins Owner Change0.11%
Market Cap369.99M
Revenue(TTM)125.55M
Net Income(TTM)26.16M
Analysts50
Price Target21.83 (0.6%)
Short Float %0.96%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend0.65
Dividend Growth(5Y)10.03%
DP43.45%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)42.25%
Min EPS beat(2)42.2%
Max EPS beat(2)42.3%
EPS beat(4)2
Avg EPS beat(4)-3.05%
Min EPS beat(4)-66.11%
Max EPS beat(4)42.3%
EPS beat(8)6
Avg EPS beat(8)13.58%
EPS beat(12)9
Avg EPS beat(12)9.55%
EPS beat(16)13
Avg EPS beat(16)8.52%
Revenue beat(2)2
Avg Revenue beat(2)10.69%
Min Revenue beat(2)1.67%
Max Revenue beat(2)19.7%
Revenue beat(4)3
Avg Revenue beat(4)4.96%
Min Revenue beat(4)-2.61%
Max Revenue beat(4)19.7%
Revenue beat(8)6
Avg Revenue beat(8)5.4%
Revenue beat(12)7
Avg Revenue beat(12)3.42%
Revenue beat(16)9
Avg Revenue beat(16)2.95%
PT rev (1m)0%
PT rev (3m)4.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.89%
EPS NY rev (1m)0%
EPS NY rev (3m)15.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.56 | ||
| Fwd PE | 10.19 | ||
| P/S | 2.95 | ||
| P/FCF | 7.68 | ||
| P/OCF | 7.55 | ||
| P/B | 0.72 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY6.87%
EPS(NY)2.13
Fwd EY9.82%
FCF(TTM)2.82
FCFY13.01%
OCF(TTM)2.88
OCFY13.25%
SpS7.36
BVpS30.16
TBVpS25.51
PEG (NY)0.73
PEG (5Y)N/A
Graham Number31.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 5.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.83% | ||
| GM | N/A | ||
| FCFM | 38.35% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 2.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 637.96% | ||
| Cap/Sales | 0.7% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 184.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC18.19%
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)-19.46%
EPS 3Y-19.7%
EPS 5Y-5.53%
EPS Q2Q%51.28%
EPS Next Y20.02%
EPS Next 2Y20.78%
EPS Next 3Y17.56%
EPS Next 5YN/A
Revenue 1Y (TTM)5.45%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%7.52%
Revenue Next Year10.69%
Revenue Next 2Y10.83%
Revenue Next 3Y9.65%
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-40.85%
FCF growth 3Y-33.94%
FCF growth 5Y-34.4%
OCF growth 1Y-40.65%
OCF growth 3Y-33.86%
OCF growth 5Y-34.26%
RBB BANCORP / RBB FAQ
Can you provide the ChartMill fundamental rating for RBB BANCORP?
ChartMill assigns a fundamental rating of 3 / 10 to RBB.
What is the valuation status for RBB stock?
ChartMill assigns a valuation rating of 5 / 10 to RBB BANCORP (RBB). This can be considered as Fairly Valued.
Can you provide the profitability details for RBB BANCORP?
RBB BANCORP (RBB) has a profitability rating of 2 / 10.
Can you provide the financial health for RBB stock?
The financial health rating of RBB BANCORP (RBB) is 2 / 10.
What is the expected EPS growth for RBB BANCORP (RBB) stock?
The Earnings per Share (EPS) of RBB BANCORP (RBB) is expected to grow by 20.02% in the next year.