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Rbb Bancorp
(NASDAQ:RBB)
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Rating:66Neutral
Price Target:
$27.00
â–²(1.89% Upside)
Action:Reiterated
Date:10/20/26
The score is driven primarily by solid and improving fundamentals (profitability, balance-sheet stability, and good cash conversion) and a constructive earnings-call outlook, supported by a reasonable valuation. These positives are partially offset by weak technical momentum (below key moving averages with negative MACD) and a softer growth backdrop (contracting TTM revenue and below-peak margin/return profile).
Positive Factors
Improving Profitability
Rising earnings across recent periods indicate that RBB is converting its banking franchise into stronger profits. Healthy current margins provide internal capital for loan growth and shareholder returns, while the improvement suggests earnings power has strengthened beyond the prior year.
Negative Factors
Soft Revenue and Margin Trajectory
Although current profits are solid, contracting revenue and below-peak margins indicate that RBB has not fully restored its prior earnings trajectory. A weaker top line can limit operating leverage and reduce the ability to absorb funding, credit, or growth-related costs over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Rising earnings across recent periods indicate that RBB is converting its banking franchise into stronger profits. Healthy current margins provide internal capital for loan growth and shareholder returns, while the improvement suggests earnings power has strengthened beyond the prior year.
Read all positive factors
Rbb Bancorp (RBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$447.26M
Dividend Yield2.42%
Average Volume (3M)98.50K
Price to Earnings (P/E)10.1
Beta (1Y)0.80
Revenue Growth4.40%
EPS Growth74.44%
CountryUS
Employees369
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.44
Shares Outstanding16,915,964
10 Day Avg. Volume93,979
30 Day Avg. Volume98,499
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)0.67
Price to Sales (P/S)1.48
P/FCF Ratio8.26
Enterprise Value/Market Cap1.60
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit5.44
Enterprise Value/Ebitda11.49
Forecast
1Y Price Target
$28.33Price Target Upside6.92% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)2.4
Revenue Forecast (FY)$136.81M
Rbb Bancorp Business Overview & Revenue Model
Company Description
RBB Bancorp, founded in 2008 and headquartered in Los Angeles, California, functions as the parent entity for Royal Business Bank. The bank specializes in offering a comprehensive suite of financial products and banking services primarily to the C...
How the Company Makes Money
RBB Bancorp primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets (e.g., c...
Rbb Bancorp Earnings Call Summary
Earnings Call Date:Oct 19, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 25, 2027
Earnings Call Sentiment Positive
The call was strongly positive, with substantial year-over-year and sequential earnings improvement, renewed loan growth, improving credit quality, strong capital ratios, deposit mix improvements, and positive momentum at the new San Francisco Bay Area loan production office. Management also acknowledged headwinds from high interest rates, funding-cost pressure, competitive deposit pricing, thin mortgage loan-sale premiums, and some higher operating costs, but generally described these issues as manageable while maintaining positive expectations for loan production, credit quality, and earnings performance.Positive Updates
Strong Third-Quarter Earnings Growth
Net income increased 25% from the prior quarter to $12.6 million, or $0.74 per share, and return on average assets improved to 1.17%. The quarter benefited from higher net interest income, solid loan growth, continued improvement in credit quality, a $2.7 million pretax gain on the sale of the Brooklyn office building, and a lower effective tax rate.
Negative Updates
High Rates Are Weighing on Borrower Activity
Management described the high-rate environment as a headwind, noting that some borrowers are stepping back, taking a closer look at the landscape, and seeking to renegotiate certain terms and conditions.
Read all updates
Q3-2026 Updates
Positive
Negative
Strong Third-Quarter Earnings Growth
Net income increased 25% from the prior quarter to $12.6 million, or $0.74 per share, and return on average assets improved to 1.17%. The quarter benefited from higher net interest income, solid loan growth, continued improvement in credit quality, a $2.7 million pretax gain on the sale of the Brooklyn office building, and a lower effective tax rate.
Read all positive updates
Company Guidance
Management expects quarterly noninterest expense to be around $19 million, plus or minus, you know, $100 thousand-$200 thousand, and estimates its effective tax rate will be approximately 27% for the full year. The loan to deposit ratio is expected to remain around the 100% mark, maybe call it high 90s, with continued comfort at 100%; loan sales in the fourth quarter may be higher than in the third quarter, potentially returning to the levels seen in the first part of this year, maybe first quarter, but not necessarily the second quarter. Management expects paydowns and payoffs to get tempered, kind of trending downward, expects near-term deposit betas to be a little bit higher than around 50% before moderating over time, sees an opportunity for net interest margins to be above 3%, and expects to exit the REO property in the first half of next year.Rbb Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 241.92M | 238.00M | 232.00M | 236.13M | 191.47M | 165.81M |
| Gross Profit | 131.72M | 118.80M | 104.84M | 130.91M | 155.11M | 139.13M |
| EBITDA | 62.36M | 50.94M | 44.93M | 69.87M | 102.36M | 94.47M |
| Net Income | 41.77M | 31.95M | 26.66M | 42.47M | 64.33M | 56.91M |
Balance Sheet | ||||||
| Total Assets | 4.25B | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B |
| Cash, Cash Equivalents and Short-Term Investments | 694.36M | 434.29M | 345.55M | 508.11M | 340.98M | 870.23M |
| Total Debt | 319.32M | 314.89M | 364.39M | 315.28M | 434.83M | 360.79M |
| Total Liabilities | 3.74B | 3.68B | 3.48B | 3.51B | 3.43B | 3.76B |
| Stockholders Equity | 535.11M | 523.41M | 507.81M | 511.19M | 484.49M | 466.61M |
Cash Flow | ||||||
| Free Cash Flow | 55.16M | 42.59M | 57.71M | 50.64M | 91.75M | 200.19M |
| Operating Cash Flow | 55.68M | 43.39M | 58.49M | 51.29M | 93.81M | 202.18M |
| Investing Cash Flow | -119.60M | -260.18M | -160.39M | 243.31M | -260.17M | -504.18M |
| Financing Cash Flow | 155.09M | 171.36M | -71.74M | 53.22M | -444.46M | 801.72M |
Rbb Bancorp Technical Analysis
Positive
26.50
Price Trends
26.36
Positive
26.25
Positive
24.14
Positive
Market Momentum
-0.05
Negative
55.90
Neutral
77.82
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBB, the sentiment is Positive. The current price of 26.5 is above the 20-day moving average (MA) of 25.98, above the 50-day MA of 26.36, and above the 200-day MA of 24.14, indicating a bullish trend. The MACD of -0.05 indicates Negative momentum. The RSI at 55.90 is Neutral, neither overbought nor oversold. The STOCH value of 77.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBB.
Rbb Bancorp Risk Analysis
Rbb Bancorp disclosed 34 risk factors in its most recent earnings report. Rbb Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Rbb Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $647.02M | 12.09 | 13.83% | 1.53% | 15.83% | 38.41% | |
73 Outperform | $708.60M | 11.85 | 10.44% | 1.91% | -2.10% | 110.95% | |
73 Outperform | $402.24M | 9.77 | 10.64% | 3.00% | 6.34% | 35.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $447.26M | 10.13 | 8.34% | 2.42% | 4.40% | 74.44% | |
65 Neutral | $219.81M | 9.81 | 12.79% | 3.53% | 7.57% | 28.18% | |
57 Neutral | $332.52M | 36.25 | 2.73% | 3.94% | -4.80% | -59.69% |
* Financial Sector Average
RBB
Rbb Bancorp
26.44
7.47
39.39%
BCAL
California BanCorp
22.04
5.20
30.86%
OPBK
OP Bancorp
14.72
1.52
11.52%
BCML
BayCom
30.45
4.15
15.78%
PCB
PCB Bancorp
28.64
7.93
38.30%
WCCB
West Coast Community Bancorp
61.54
20.88
51.33%
Rbb Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
RBB Bancorp Reports Strong Third Quarter Earnings Growth
Positive
Oct 19, 2026
On October 19, 2026, RBB Bancorp reported third quarter 2026 net income of $12.6 million, or $0.74 per diluted share, up from $10.1 million, or $0.59 per diluted share, in the prior quarter. The results were driven by higher net interest income, a...
Stock BuybackDividendsFinancial Disclosures
RBB Bancorp Reports Solid Second Quarter 2026 Results
Positive
Jul 20, 2026
On July 20, 2026, RBB Bancorp reported second quarter 2026 net income of $10.1 million, or $0.59 per diluted share, as stable loan yields, strong loan originations and retail deposit growth supported solid profitability despite a lower net interes...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.