RBB BANCORP (RBB)
US74930B1052 - Common Stock
Overall RBB gets a fundamental rating of 3 out of 10. We evaluated RBB against 412 industry peers in the Banks industry. While RBB is still in line with the averages on profitability rating, there are concerns on its financial health. RBB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
RBB had positive earnings in the past year.
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
RBB's Return On Assets of 1.05% is fine compared to the rest of the industry. RBB outperforms 66.02% of its industry peers.
RBB has a Return On Equity (8.31%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.31% | ||
| ROIC | N/A |
ROA(3y)1.35%
ROA(5y)1.28%
ROE(3y)11.24%
ROE(5y)10.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 31.62%, RBB belongs to the best of the industry, outperforming 82.04% of the companies in the same industry.
RBB's Profit Margin has declined in the last couple of years.
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) | 31.62% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.52%
PM growth 5Y-4.65%
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
The number of shares outstanding for RBB has been reduced compared to 5 years ago.
Compared to 1 year ago, RBB has an improved debt to assets ratio.
2.2 Solvency
RBB has a debt to FCF ratio of 2.65. This is a good value and a sign of high solvency as RBB would need 2.65 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.65, RBB perfoms like the industry average, outperforming 48.79% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that RBB is not too dependend on debt financing.
RBB has a Debt to Equity ratio (0.26) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RBB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.63%.
RBB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.99% yearly.
RBB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.38%.
Measured over the past years, RBB shows a quite strong growth in Revenue. The Revenue has been growing by 8.34% on average per year.
EPS 1Y (TTM)-27.63%
EPS 3Y12.78%
EPS 5Y2.99%
EPS growth Q2Q-30.43%
Revenue 1Y (TTM)-16.38%
Revenue growth 3Y4.17%
Revenue growth 5Y8.34%
Revenue growth Q2Q-19.87%
3.2 Future
Based on estimates for the next years, RBB will show a very negative growth in Earnings Per Share. The EPS will decrease by -15.82% on average per year.
RBB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.95% yearly.
EPS Next Y-39.26%
EPS Next 2Y-15.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.32%
Revenue Next 2Y-2.95%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.52 indicates a rather cheap valuation of RBB.
81.55% of the companies in the same industry are more expensive than RBB, based on the Price/Earnings ratio.
RBB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.55.
With a Price/Forward Earnings ratio of 12.38, RBB is valued correctly.
Based on the Price/Forward Earnings ratio, RBB is valued a bit more expensive than the industry average as 62.14% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of RBB to the average of the S&P500 Index (20.92), we can say RBB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 12.38 |
4.2 Price Multiples
RBB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RBB is cheaper than 74.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RBB's earnings are expected to decrease with -15.82% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.52
EPS Next 2Y-15.82%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RBB has a Yearly Dividend Yield of 3.60%.
Compared to an average industry Dividend Yield of 3.86, RBB has a dividend in line with its industry peers.
RBB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
5.2 History
On average, the dividend of RBB grows each year by 14.89%, 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)14.89%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
RBB pays out 28.64% of its income as dividend. This is a sustainable payout ratio.
DP28.64%
EPS Next 2Y-15.82%
EPS Next 3YN/A
RBB BANCORP
NASDAQ:RBB (5/2/2024, 3:30:01 PM)
After market: 18.12 0 (0%)18.12
+0.23 (+1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap337.39M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.6% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.52 | ||
| Fwd PE | 12.38 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 8.31% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 31.62% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-27.63%
EPS 3Y12.78%
EPS 5Y
EPS growth Q2Q
EPS Next Y-39.26%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-16.38%
Revenue growth 3Y4.17%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y