21.39 USD
+0.65 (+3.13%)
Last: Feb 2, 2026, 01:25 PM
We assign a fundamental rating of 4 out of 10 to RBB. RBB was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of RBB have multiple concerns. RBB is valued quite cheap, while showing a decent growth score. This is a good combination! Finally RBB also has an excellent dividend rating.
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.
- 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.
1.2 Ratios
- The Return On Assets of RBB (0.62%) is worse than 71.28% of its industry peers.
- RBB has a worse Return On Equity (5.09%) than 76.24% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of RBB (20.83%) is worse than 64.75% 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-14.81%
PM growth 5Y-2.23%
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
- Compared to 5 years ago, RBB has less shares outstanding
- Compared to 1 year ago, RBB has an improved debt to assets ratio.
2.2 Solvency
- RBB has a debt to FCF ratio of 2.81. 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 worse Debt to FCF ratio (2.81) than 60.84% of its industry peers.
- 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 worse Debt to Equity ratio (0.26) than 64.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
- RBB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.60%.
- Measured over the past years, RBB shows a small growth in Revenue. The Revenue has been growing by 1.69% on average per year.
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 13.85% on average over the next years. This is quite good.
- The Revenue is expected to grow by 9.65% on average over the next years. This is quite good.
EPS Next Y16.39%
EPS Next 2Y13.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.11%
Revenue Next 2Y9.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.69, the valuation of RBB can be described as very reasonable.
- Based on the Price/Earnings ratio, RBB is valued a bit cheaper than 65.27% of the companies in the same industry.
- When comparing the Price/Earnings ratio of RBB to the average of the S&P500 Index (28.32), we can say RBB is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.04, which indicates a very decent valuation of RBB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of RBB indicates a somewhat cheap valuation: RBB is cheaper than 67.62% of the companies listed in the same industry.
- RBB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.69 | ||
| Fwd PE | 10.04 |
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 85.38% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.57 | ||
| EV/EBITDA | N/A |
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 13.85% in the coming years.
PEG (NY)0.71
PEG (5Y)6.78
EPS Next 2Y13.85%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.09%, RBB has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.67, RBB pays a bit more dividend than its industry peers.
- RBB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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 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
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.
- RBB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.45%
EPS Next 2Y13.85%
EPS Next 3YN/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 7 / 10 to RBB BANCORP (RBB). This can be considered as Undervalued.
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 11.69 and the Price/Book (PB) ratio is 0.71.
Is the dividend of RBB BANCORP sustainable?
The dividend rating of RBB BANCORP (RBB) is 7 / 10 and the dividend payout ratio is 43.45%.