RBB BANCORP (RBB) Stock Fundamental Analysis
USA - NASDAQ:RBB - US74930B1052 - Common Stock
19.22 USD
-0.02 (-0.1%)
19.22 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RBB. RBB was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of RBB have multiple concerns. RBB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RBB was profitable.
RBB had a positive operating cash flow in the past year.
In the past 5 years RBB has always been profitable.
In the past 5 years RBB always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.56%, RBB is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
RBB has a Return On Equity of 4.45%. This is in the lower half of the industry: RBB underperforms 78.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 4.45% | ||
| 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
The Profit Margin of RBB (18.66%) is worse than 65.31% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.66% | ||
| 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.
Compared to 1 year ago, RBB has less shares outstanding
RBB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for RBB is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of RBB is 1.91, which is an excellent value as it means it would take RBB, only 1.91 years of fcf income to pay off all of its debts.
RBB has a Debt to FCF ratio of 1.91. This is comparable to the rest of the industry: RBB outperforms 50.51% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that RBB is not too dependend on debt financing.
RBB's Debt to Equity ratio of 0.26 is on the low side compared to the rest of the industry. RBB is outperformed by 64.29% of its industry peers.
Although RBB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.95%
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.
RBB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.53% yearly.
RBB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.48%.
The Revenue has been decreasing by -0.07% on average over the past years.
EPS 1Y (TTM)-37.68%
EPS 3Y-19.7%
EPS 5Y-5.53%
EPS Q2Q%33.33%
Revenue 1Y (TTM)3.48%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%33.15%
3.2 Future
RBB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.21% yearly.
RBB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.17% yearly.
EPS Next Y4.1%
EPS Next 2Y15.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.15%
Revenue Next 2Y9.17%
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
The Price/Earnings ratio is 14.90, which indicates a correct valuation of RBB.
65.82% of the companies in the same industry are cheaper than RBB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.20, RBB is valued a bit cheaper.
The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of RBB.
The rest of the industry has a similar Price/Forward Earnings ratio as RBB.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.71, RBB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.9 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
RBB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RBB is cheaper than 92.60% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as RBB's earnings are expected to grow with 15.21% in the coming years.
PEG (NY)3.63
PEG (5Y)N/A
EPS Next 2Y15.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.26%, RBB has a reasonable but not impressive dividend return.
RBB's Dividend Yield is comparable with the industry average which is at 3.73.
RBB's Dividend Yield is a higher than the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
The dividend of RBB is nicely growing with an annual growth rate of 10.03%!
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
49.78% of the earnings are spent on dividend by RBB. 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.
DP49.78%
EPS Next 2Y15.21%
EPS Next 3YN/A
19.22
-0.02 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.62%
Inst Owner Change1.39%
Ins Owners6.23%
Ins Owner Change1.69%
Market Cap331.55M
Analysts50
Price Target20.81 (8.27%)
Short Float %0.95%
Short Ratio2.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend0.65
Dividend Growth(5Y)10.03%
DP49.78%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.9%
Min EPS beat(2)-66.11%
Max EPS beat(2)42.3%
EPS beat(4)2
Avg EPS beat(4)-13.21%
Min EPS beat(4)-66.11%
Max EPS beat(4)42.3%
EPS beat(8)6
Avg EPS beat(8)11.09%
EPS beat(12)9
Avg EPS beat(12)6.07%
EPS beat(16)13
Avg EPS beat(16)6.09%
Revenue beat(2)1
Avg Revenue beat(2)8.54%
Min Revenue beat(2)-2.61%
Max Revenue beat(2)19.7%
Revenue beat(4)3
Avg Revenue beat(4)5.98%
Min Revenue beat(4)-2.61%
Max Revenue beat(4)19.7%
Revenue beat(8)6
Avg Revenue beat(8)6.17%
Revenue beat(12)6
Avg Revenue beat(12)3.25%
Revenue beat(16)9
Avg Revenue beat(16)3.14%
PT rev (1m)0%
PT rev (3m)13.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.89%
EPS NY rev (1m)15.36%
EPS NY rev (3m)16.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.9 | ||
| Fwd PE | 9.92 | ||
| P/S | 2.69 | ||
| P/FCF | 4.69 | ||
| P/OCF | 4.64 | ||
| P/B | 0.64 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY6.71%
EPS(NY)1.94
Fwd EY10.08%
FCF(TTM)4.09
FCFY21.31%
OCF(TTM)4.14
OCFY21.54%
SpS7.15
BVpS30
TBVpS25.39
PEG (NY)3.63
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.56% | ||
| ROE | 4.45% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.66% | ||
| GM | N/A | ||
| FCFM | 57.3% |
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 | 1.91 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 6.64% | ||
| Cap/Sales | 0.62% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 307.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC18.95%
ROIC/WACCN/A
Cap/Depr(3y)16.96%
Cap/Depr(5y)25.82%
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 Y4.1%
EPS Next 2Y15.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.48%
Revenue growth 3Y-7.09%
Revenue growth 5Y-0.07%
Sales Q2Q%33.15%
Revenue Next Year9.15%
Revenue Next 2Y9.17%
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-13.44%
FCF growth 3Y-33.94%
FCF growth 5Y-34.4%
OCF growth 1Y-14.07%
OCF growth 3Y-33.86%
OCF growth 5Y-34.26%