Rbb Bancorp stock analysis
Rbb Bancorp (5SZ) Stock Price & Analysis
5SZ Stock Chart & Stats
- Day’s Range
- EUR 22.80 - EUR 22.80
- 52-Week Range
- EUR 15.30 - EUR 24.00
- Previous Close
- EUR 20.80
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 392.95M
- Enterprise Value
- EUR 716.66M
- Total Cash (Recent Filing)
- EUR 576.41M
- Total Debt (Recent Filing)
- EUR 298.05M
- Price to Earnings (P/E)
- 10.0
- Beta
- 0.23
- Next Earnings
- Jan 25, 2027 (Est.)
- EPS Estimate
- 0.51
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.31%
Bulls Say, Bears Say
Bulls Say
Profitability Rebound
The earnings rebound shows improved profitability after weaker prior periods, supported by higher net interest income and better margins. If maintained, stronger earnings can reinforce capital generation, support shareholder returns, and provide greater capacity to absorb operating or credit pressures.
Loan Growth And Expansion
Renewed loan growth and a productive new loan-production office broaden RBB’s lending reach and create additional revenue opportunities. Continued origination momentum, particularly across commercial and construction lending, can support earning-asset growth over the next several quarters.
Credit And Capital Strength
Improving credit metrics reduce pressure on provisions, while strong capital ratios provide resilience and flexibility. This combination supports continued lending, limits balance-sheet vulnerability, and gives management room to return capital without weakening the bank’s financial foundation.
Bears Say
Funding Cost Pressure
Higher deposit and liquidity costs can compress the spread between loan yields and funding expenses, directly weighing on net interest income. Competitive pricing may remain necessary to retain balances, limiting the durability of margin expansion even as loans reprice.
Rate-Driven Borrower Weakness
Persistently high borrowing costs can slow origination activity and reduce demand across lending categories, making growth less predictable. Delayed transactions and renegotiated terms may also constrain loan yields and fee opportunities while customers wait for clearer rate conditions.
Uneven Revenue And Cash Momentum
The unusually large TTM revenue increase appears less consistent with the prior trend, raising questions about how repeatable the acceleration is. Negative FCF growth and historically choppy cash flow further indicate that current earnings improvement may not translate into equally steady cash generation.
Rbb Bancorp News
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Rbb Bancorp Stock Smart Score
Company Description
Rbb Bancorp
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 Chinese-American, Korean-American, and other Asian-American populations. Its deposit offerings include checking, savings, and money market accounts, along with certificates of deposit. For lending, RBB Bancorp provides commercial and industrial lines of credit, term loans, mortgage warehouse facilities, and international trade discount financing. The institution also funds commercial real estate transactions, residential and commercial development, land acquisition, and construction projects, alongside offering Small Business Administration (SBA) loans and single-family residential mortgages. Furthermore, the bank delivers international banking services such as letters of credit, SWIFT transfers, export advisory, trade finance discounts, and foreign exchange. Modern conveniences like remote deposit, online banking, and mobile banking are also available. Its diverse client base spans individuals, businesses, municipalities, and various other organizations. As of December 31, 2021, RBB Bancorp maintained a network of 23 branch locations, situated in the Western region across Los Angeles, Orange, and Ventura Counties in California, Clark County in Nevada, and Honolulu, Hawaii, as well as in the Eastern region, including Manhattan, Brooklyn, and Queens in New York, Chicago, Illinois, and Edison, New Jersey.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Johnny Lee
- Employees
- 369
- Website
- www.royalbusinessbankusa.com
- Address
- 1055 Wilshire Boulevard, Los Angeles, CA, 90017, US
Rbb Bancorp (5SZ) Earnings & Revenues
5SZ Company Deck
5SZ Earnings Call
Earnings Call SentimentPositive
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.
View all DE:5SZ earnings summaries5SZ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 4 | 2 |
| Technical Analysis | 3 | 4 | 2 |
| Moving Averages | 12 | 0 | 0 |









