RBB BANCORP (RBB) Fundamental Analysis & Valuation

NASDAQ:RBB • US74930B1052

21.38 USD
-0.39 (-1.79%)
At close: Mar 6, 2026
21.8 USD
+0.42 (+1.96%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This RBB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

RBB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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.


Dividend Valuation Growth Profitability Health

2

1. RBB Profitability Analysis

1.1 Basic Checks

  • RBB had positive earnings in the past year.
  • In the past year RBB had a positive cash flow from operations.
  • RBB had positive earnings in each of the past 5 years.
  • RBB had a positive operating cash flow in 4 of the past 5 years.
RBB Yearly Net Income VS EBIT VS OCF VS FCFRBB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

1.2 Ratios

  • With a Return On Assets value of 0.62%, RBB is not doing good in the industry: 72.56% of the companies in the same industry are doing better.
  • RBB has a worse Return On Equity (5.09%) than 77.57% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 5.09%
ROIC N/A
ROA(3y)0.83%
ROA(5y)1.09%
ROE(3y)6.55%
ROE(5y)9.02%
ROIC(3y)N/A
ROIC(5y)N/A
RBB Yearly ROA, ROE, ROICRBB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of RBB (20.83%) is worse than 66.23% of its industry peers.
  • In the last couple of years the Profit Margin of RBB has declined.
  • RBB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.81%
PM growth 5Y-2.23%
GM growth 3YN/A
GM growth 5YN/A
RBB Yearly Profit, Operating, Gross MarginsRBB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. RBB Health Analysis

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.
  • The number of shares outstanding for RBB has been reduced compared to 5 years ago.
  • RBB has a better debt/assets ratio than last year.
RBB Yearly Shares OutstandingRBB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
RBB Yearly Total Debt VS Total AssetsRBB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of RBB is 2.81, which is a good value as it means it would take RBB, 2.81 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 2.81, RBB is not doing good in the industry: 60.16% of the companies in the same industry are doing better.
  • RBB has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • RBB has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: RBB underperforms 64.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.81
Altman-Z N/A
ROIC/WACCN/A
WACC18.13%
RBB Yearly LT Debt VS Equity VS FCFRBB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RBB Yearly Current Assets VS Current LiabilitesRBB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. RBB Growth Analysis

3.1 Past

  • RBB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.34%, which is quite impressive.
  • RBB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.73% yearly.
  • Looking at the last year, RBB shows a quite strong growth in Revenue. The Revenue has grown by 12.60% in the last year.
  • The Revenue has been growing slightly by 1.69% on average over the past years.
EPS 1Y (TTM)25.34%
EPS 3Y-18.09%
EPS 5Y1.73%
EPS Q2Q%136%
Revenue 1Y (TTM)12.6%
Revenue growth 3Y-7.03%
Revenue growth 5Y1.69%
Sales Q2Q%12.57%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.79% on average over the next years. This is quite good.
  • RBB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.73% yearly.
EPS Next Y15.1%
EPS Next 2Y13.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.57%
Revenue Next 2Y7.73%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
RBB Yearly Revenue VS EstimatesRBB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
RBB Yearly EPS VS EstimatesRBB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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6

4. RBB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.68 indicates a reasonable valuation of RBB.
  • Compared to the rest of the industry, the Price/Earnings ratio of RBB is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, RBB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.15, the valuation of RBB can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as RBB.
  • The average S&P500 Price/Forward Earnings ratio is at 24.57. RBB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.68
Fwd PE 10.15
RBB Price Earnings VS Forward Price EarningsRBB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 82.59% of the companies in the same industry are more expensive than RBB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.58
EV/EBITDA N/A
RBB Per share dataRBB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • RBB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as RBB's earnings are expected to grow with 13.79% in the coming years.
PEG (NY)0.77
PEG (5Y)6.77
EPS Next 2Y13.79%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. RBB Dividend Analysis

5.1 Amount

  • RBB has a Yearly Dividend Yield of 2.94%.
  • Compared to an average industry Dividend Yield of 2.83, RBB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, RBB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.94%

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 at least 10 years, so it has a reliable 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
RBB Yearly Dividends per shareRBB Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 43.45% of the earnings are spent on dividend by RBB. 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.
DP43.45%
EPS Next 2Y13.79%
EPS Next 3YN/A
RBB Yearly Income VS Free CF VS DividendRBB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M
RBB Dividend Payout.RBB Dividend Payout, showing the Payout Ratio.RBB Dividend Payout.PayoutRetained Earnings

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RBB Fundamentals: All Metrics, Ratios and Statistics

RBB BANCORP

NASDAQ:RBB (3/6/2026, 8:00:02 PM)

After market: 21.8 +0.42 (+1.96%)

21.38

-0.39 (-1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners53.01%
Inst Owner Change3.06%
Ins Owners6.53%
Ins Owner Change0.26%
Market Cap364.74M
Revenue(TTM)129.16M
Net Income(TTM)26.16M
Analysts50
Price Target22.95 (7.34%)
Short Float %0.86%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 2.94%
Yearly Dividend0.65
Dividend Growth(5Y)10.03%
DP43.45%
Div Incr Years0
Div Non Decr Years4
Ex-Date01-30
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)4.17%
PT rev (3m)5.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)-1.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-3.16%
Revenue NY rev (3m)-2.14%
Valuation
Industry RankSector Rank
PE 11.68
Fwd PE 10.15
P/S 2.91
P/FCF 7.58
P/OCF 7.44
P/B 0.71
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)1.83
EY8.56%
EPS(NY)2.11
Fwd EY9.85%
FCF(TTM)2.82
FCFY13.2%
OCF(TTM)2.87
OCFY13.44%
SpS7.36
BVpS30.14
TBVpS25.5
PEG (NY)0.77
PEG (5Y)6.77
Graham Number35.23
Profitability
Industry RankSector 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)0.83%
ROA(5y)1.09%
ROE(3y)6.55%
ROE(5y)9.02%
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-14.81%
PM growth 5Y-2.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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-Score6
WACC18.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.34%
EPS 3Y-18.09%
EPS 5Y1.73%
EPS Q2Q%136%
EPS Next Y15.1%
EPS Next 2Y13.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.6%
Revenue growth 3Y-7.03%
Revenue growth 5Y1.69%
Sales Q2Q%12.57%
Revenue Next Year8.57%
Revenue Next 2Y7.73%
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 1Y52.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y52.17%
OCF growth 3YN/A
OCF growth 5YN/A

RBB BANCORP / RBB FAQ

Can you provide the ChartMill fundamental rating for RBB BANCORP?

ChartMill assigns a fundamental rating of 4 / 10 to RBB.


What is the valuation status of RBB BANCORP (RBB) stock?

ChartMill assigns a valuation rating of 6 / 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.


What is the valuation of RBB BANCORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for RBB BANCORP (RBB) is 11.68 and the Price/Book (PB) ratio is 0.71.


Is the dividend of RBB BANCORP sustainable?

The dividend rating of RBB BANCORP (RBB) is 6 / 10 and the dividend payout ratio is 43.45%.