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Rbb Bancorp
(NASDAQ:RBB)
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Rating:70Outperform
Price Target:
$29.00
▲(10.35% Upside)
Action:Reiterated
Date:08/08/26
The score is driven primarily by stable-to-improving financial performance (solid profitability, improving returns, and steady cash conversion) and a constructive earnings outlook centered on credit improvement, loan growth, and capital actions. Technicals add support with price above key moving averages and positive MACD, while valuation is favorable with a low P/E and moderate dividend yield. The main constraint is the mixed growth profile (contracting TTM revenue) and near-term NIM/funding-cost pressures highlighted on the call.
Positive Factors
Improving credit quality
Sustained reductions in NPLs and high allowance coverage materially lower downside risk to earnings and capital. Durable credit improvement supports lower future provision volatility, frees capital for lending or buybacks, and underpins earnings stability across the next several quarters.
Negative Factors
NIM pressure from subordinated debt repricing
Floating-rate reset on large subordinated notes and higher near-term funding costs can structurally compress net interest margin if loan yields don't reprice quickly. Persistent funding-cost headwinds reduce earnings power and make margin recovery dependent on sustained loan yield improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving credit quality
Sustained reductions in NPLs and high allowance coverage materially lower downside risk to earnings and capital. Durable credit improvement supports lower future provision volatility, frees capital for lending or buybacks, and underpins earnings stability across the next several quarters.
Read all positive factors
Rbb Bancorp (RBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$453.88M
Dividend Yield2.42%
Average Volume (3M)56.46K
Price to Earnings (P/E)10.9
Beta (1Y)0.87
Revenue Growth3.04%
EPS Growth88.65%
CountryUS
Employees369
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.44
Shares Outstanding16,915,964
10 Day Avg. Volume71,151
30 Day Avg. Volume56,461
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$28.50Price Target Upside8.45% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)2.34
Revenue Forecast (FY)$137.26M
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 (1) earning net interest income and (2) generating noninterest income. Net interest income is the spread between interest earned on loans and investment securities and interest pa...
Rbb Bancorp Earnings Call Summary
Earnings Call Date:Jul 20, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 26, 2026
Earnings Call Sentiment Positive
The call conveyed constructive progress: meaningful year-over-year earnings growth, notable improvements in asset quality (large declines in non-performing loans/assets and strong allowance coverage), accelerating loan originations, deposit growth and a solid capital position enabling share repurchases and debt redemption. Headwinds included sequential NII/NIM pressure tied to subordinated debt repricing and absent Q1 one-time items, a large problem loan now OREO that is complex to sell, and near-term expense and funding cost risks (CD maturities and competitive deposit pricing). Overall, the positives (credit improvement, loan/deposit growth, capital actions) outweighed the near-term headwinds, with management expecting continued progress in the second half of 2026.Positive Updates
Year-over-Year Earnings Growth
Net income of $10.1M ($0.59 per diluted share) represented a ~13% increase versus Q2 2025 (EPS up from $0.52). Improvement driven by share repurchases, higher net interest income year-over-year and reduced credit costs.
Negative Updates
Sequential Earnings Pressure from REO and One-Time Items
Net income decreased by $1.2M versus Q1 2026, largely due to $1.1M lower gains from REO sales and the absence of Q1 one-time items (special FHLB dividend $430k, $484k recovery on charged-off acquired loan, and $360k interest on tax refunds) that boosted Q1 non-interest income.
Read all updates
Q2-2026 Updates
Positive
Negative
Year-over-Year Earnings Growth
Net income of $10.1M ($0.59 per diluted share) represented a ~13% increase versus Q2 2025 (EPS up from $0.52). Improvement driven by share repurchases, higher net interest income year-over-year and reduced credit costs.
Read all positive updates
Company Guidance
Management said the company is “on track for a strong second half of 2026,” expecting continued loan growth and margin improvement: Q2 loan originations accelerated to $159M at a 6.3% average yield (new originations +21% QoQ), loans held for investment were $3.3B, and management expects mid‑ to higher‑single‑digit annualized loan growth in H2 with NIM recovering toward Q1 levels (~3.15%) and above Q2’s 3.06% as loan yields firm and a portion of subordinated debt is retired (the $120M sub‑debt repriced from 4% to a floating rate—reported as “698”—adding ~ $830k in Q2, and $40M was redeemed on July 1 for ~ $40.7M). They reiterated expense guidance of $18M–$19M (efficiency 57.5% in Q2), affirmed capital flexibility (CET1 ~18%, TCE/tangible assets ~11%, book value $31.15, tangible book $27.23) and a board authorization to repurchase up to 1M shares (6%); ~181k shares were repurchased in Q2 at ~ $24.7. Credit trends underpinning the outlook included non‑performing assets down 11% to 1.02% of assets, NPLs down $20.8M (47%) to $23.8M, allowance for credit losses $43.7M (1.32% of loans) with 184% coverage of NPLs, zero provision in Q2 and net charge‑offs of only $83k.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 | 48.77M | 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 | 4.28B | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B |
| Cash, Cash Equivalents and Short-Term Investments | 25.36M | 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 | 535.18M | 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
26.28
Price Trends
25.87
Positive
24.22
Positive
22.34
Positive
Market Momentum
0.18
Positive
56.98
Neutral
69.59
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 26.28 is below the 20-day moving average (MA) of 26.63, above the 50-day MA of 25.87, and above the 200-day MA of 22.34, indicating a bullish trend. The MACD of 0.18 indicates Positive momentum. The RSI at 56.98 is Neutral, neither overbought nor oversold. The STOCH value of 69.59 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $517.68M | 10.79 | 16.44% | 1.78% | 6.51% | 38.77% | |
74 Outperform | $332.95M | 25.33 | 3.87% | 2.91% | 2.01% | -45.00% | |
73 Outperform | $388.64M | 9.77 | 11.57% | 2.34% | -1.28% | 130.72% | |
70 Outperform | $453.88M | 10.85 | 7.94% | 2.44% | 3.04% | 88.65% | |
70 Outperform | $434.33M | 20.63 | 6.29% | ― | 16.32% | -16.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $454.36M | 17.16 | 7.70% | 4.60% | 18.97% | -14.99% |
* Financial Sector Average
RBB
Rbb Bancorp
26.48
8.48
47.13%
CZNC
Citizens & Northern
25.32
7.49
41.98%
BCML
BayCom
30.39
3.82
14.36%
MVBF
MVB Financial
29.81
7.15
31.58%
PBFS
Pioneer Bancorp
17.12
4.63
37.07%
OBT
Orange County Bancorp
38.29
15.15
65.49%
Rbb Bancorp Corporate Events
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...
Business Operations and StrategyStock Buyback
RBB Bancorp Announces New Share Repurchase Authorization
Positive
Jun 15, 2026
On June 15, 2026, RBB Bancorp announced that its board authorized a new common stock repurchase plan allowing buybacks of up to 1 million shares, or about $25 million and roughly 6% of its outstanding stock, through June 30, 2028. The move follows...
Executive/Board ChangesShareholder Meetings
RBB Bancorp Shareholders Back Board, Pay and Auditor
Positive
May 22, 2026
RBB Bancorp reported the results of its 2026 Annual Meeting of Shareholders, held on May 21, 2026, where nine directors, including Robert M. Franko and Christina Kao, were elected to the board. Shareholders representing 11,882,478 of the 17,074,15...
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.