RBB BANCORP (RBB) Fundamental Analysis & Valuation

NASDAQ:RBB • US74930B1052

Current stock price

23.63 USD
-0.37 (-1.54%)
At close:
23.63 USD
0 (0%)
After Hours:

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

2

1. RBB Profitability Analysis

1.1 Basic Checks

  • RBB had positive earnings in the past year.
  • RBB had a positive operating cash flow in the past year.
  • In the past 5 years RBB has always been profitable.
  • RBB had a positive operating cash flow in each 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

  • Looking at the Return On Assets, with a value of 0.76%, RBB is doing worse than 68.97% of the companies in the same industry.
  • RBB's Return On Equity of 6.10% is on the low side compared to the rest of the industry. RBB is outperformed by 77.19% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 6.1%
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

  • RBB has a Profit Margin of 24.74%. This is comparable to the rest of the industry: RBB outperforms 45.62% 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 RankSector Rank
OM N/A
PM (TTM) 24.74%
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.
  • RBB has less shares outstanding than it did 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 3.18, which is a good value as it means it would take RBB, 3.18 years of fcf income to pay off all of its debts.
  • RBB has a Debt to FCF ratio of 3.18. This is in the lower half of the industry: RBB underperforms 61.01% 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.
  • The Debt to Equity ratio of RBB (0.26) is worse than 64.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.18
Altman-Z N/A
ROIC/WACCN/A
WACC17.01%
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

  • The Earnings Per Share has grown by an impressive 103.45% over the past year.
  • The Earnings Per Share has been growing slightly by 1.73% on average over the past years.
  • RBB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.88%.
  • The Revenue has been growing slightly by 1.69% on average over the past years.
EPS 1Y (TTM)103.45%
EPS 3Y-18.09%
EPS 5Y1.73%
EPS Q2Q%407.69%
Revenue 1Y (TTM)17.88%
Revenue growth 3Y-7.03%
Revenue growth 5Y1.69%
Sales Q2Q%22.11%

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 13.25% yearly.
  • RBB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.73% yearly.
EPS Next Y13.94%
EPS Next 2Y13.25%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
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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Find the best growth stocksShow best growing peers

6

4. RBB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.01, which indicates a very decent valuation of RBB.
  • 80.11% of the companies in the same industry are more expensive than RBB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of RBB to the average of the S&P500 Index (27.42), we can say RBB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.07, the valuation of RBB can be described as very reasonable.
  • RBB's Price/Forward Earnings ratio is in line with the industry average.
  • RBB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.01
Fwd PE 10.07
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RBB indicates a somewhat cheap valuation: RBB is cheaper than 75.86% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.47
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.
  • RBB's earnings are expected to grow with 13.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)5.8
EPS Next 2Y13.25%
EPS Next 3YN/A

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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 2.67%.
  • Compared to an average industry Dividend Yield of 2.57, RBB has a dividend in line with its industry peers.
  • RBB's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.67%

5.2 History

  • The dividend of RBB is nicely growing with an annual growth rate of 14.21%!
  • RBB has paid a dividend for at least 10 years, which is a reliable track record.
  • As RBB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)14.21%
Div Incr Years0
Div Non Decr Years5
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

  • 35.26% of the earnings are spent on dividend by RBB. This is a low number and sustainable payout ratio.
  • RBB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP35.26%
EPS Next 2Y13.25%
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 (4/24/2026, 8:04:26 PM)

After market: 23.63 0 (0%)

23.63

-0.37 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners53.12%
Inst Owner Change-0.05%
Ins Owners6.57%
Ins Owner Change0.4%
Market Cap403.36M
Revenue(TTM)135.45M
Net Income(TTM)31.95M
Analysts50
Price Target23.05 (-2.45%)
Short Float %1.41%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 2.67%
Yearly Dividend0.65
Dividend Growth(5Y)14.21%
DP35.26%
Div Incr Years0
Div Non Decr Years5
Ex-Date01-30
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.73%
Min EPS beat(2)19.26%
Max EPS beat(2)42.2%
EPS beat(4)3
Avg EPS beat(4)9.41%
Min EPS beat(4)-66.11%
Max EPS beat(4)42.3%
EPS beat(8)6
Avg EPS beat(8)6.09%
EPS beat(12)9
Avg EPS beat(12)11%
EPS beat(16)13
Avg EPS beat(16)9.09%
Revenue beat(2)1
Avg Revenue beat(2)-0.98%
Min Revenue beat(2)-3.64%
Max Revenue beat(2)1.67%
Revenue beat(4)2
Avg Revenue beat(4)3.78%
Min Revenue beat(4)-3.64%
Max Revenue beat(4)19.7%
Revenue beat(8)5
Avg Revenue beat(8)2.54%
Revenue beat(12)7
Avg Revenue beat(12)3.54%
Revenue beat(16)9
Avg Revenue beat(16)2.76%
PT rev (1m)0.44%
PT rev (3m)4.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.16%
Valuation
Industry RankSector Rank
PE 10.01
Fwd PE 10.07
P/S 3.12
P/FCF 9.47
P/OCF 9.3
P/B 0.77
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)2.36
EY9.99%
EPS(NY)2.35
Fwd EY9.93%
FCF(TTM)2.49
FCFY10.56%
OCF(TTM)2.54
OCFY10.76%
SpS7.57
BVpS30.66
TBVpS25.72
PEG (NY)0.72
PEG (5Y)5.8
Graham Number40.348 (70.75%)
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.74%
GM N/A
FCFM 32.98%
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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 3.18
Debt/EBITDA N/A
Cap/Depr 21.7%
Cap/Sales 0.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 133.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.01%
ROIC/WACCN/A
Cap/Depr(3y)18.17%
Cap/Depr(5y)22.9%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.9%
Profit Quality(3y)156.32%
Profit Quality(5y)192.93%
High Growth Momentum
Growth
EPS 1Y (TTM)103.45%
EPS 3Y-18.09%
EPS 5Y1.73%
EPS Q2Q%407.69%
EPS Next Y13.94%
EPS Next 2Y13.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.88%
Revenue growth 3Y-7.03%
Revenue growth 5Y1.69%
Sales Q2Q%22.11%
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 1Y-26.2%
FCF growth 3Y-22.56%
FCF growth 5Y-18.75%
OCF growth 1Y-25.83%
OCF growth 3Y-22.66%
OCF growth 5Y-19.01%

RBB BANCORP / RBB Fundamental Analysis 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.


What is the profitability of RBB stock?

RBB BANCORP (RBB) has a profitability rating of 2 / 10.


What is the financial health of RBB BANCORP (RBB) stock?

The financial health rating of RBB BANCORP (RBB) is 2 / 10.


Can you provide the dividend sustainability for RBB stock?

The dividend rating of RBB BANCORP (RBB) is 6 / 10 and the dividend payout ratio is 35.26%.