Rbb Bancorp AI Stock Analysis
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Rbb Bancorp (RBB) AI Stock Analysis
Rbb Bancorp
(NASDAQ:RBB)
The score is driven primarily by improving financial performance (earnings rebound and better leverage) and a strong, upbeat earnings call emphasizing better margins, credit trends, and capital strength. Valuation is supportive due to a low P/E and a dividend yield, while the main offset is weaker near-term technical momentum (negative MACD and price below key short-to-medium moving averages).
Rbb Bancorp (RBB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $441.34M
- Dividend Yield
- 2.46%
- Average Volume (3M)
- 94.11K
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- 0.71
- Revenue Growth
- 4.40%
- EPS Growth
- 74.44%
- Country
- US
- Employees
- 369
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Chin...
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., comm...
Rbb Bancorp Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative 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
Financial statements show an earnings and margin rebound in TTM results and modestly improving leverage (lower debt-to-equity, higher ROE). Cash flow remains positive with FCF roughly matching net income, but FCF growth is slightly negative and historical cash flow is choppy; the unusually large TTM revenue growth spike versus prior years adds quality/volatility risk.
Income Statement
66PositiveBalance Sheet
63PositiveCash Flow
58Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 245.64M | 238.00M | 232.00M | 236.13M | 191.47M | 165.81M |
| Gross Profit | 136.14M | 118.80M | 104.84M | 130.91M | 155.11M | 139.13M |
| EBITDA | 63.71M | 50.94M | 44.93M | 69.87M | 102.36M | 94.47M |
| Net Income | 44.25M | 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 | 576.41M | 434.29M | 345.55M | 508.11M | 340.98M | 870.23M |
| Total Debt | 298.05M | 314.89M | 364.39M | 315.28M | 434.83M | 360.79M |
| Total Liabilities | 3.72B | 3.68B | 3.48B | 3.51B | 3.43B | 3.76B |
| Stockholders Equity | 534.17M | 523.41M | 507.81M | 511.19M | 484.49M | 466.61M |
Cash Flow | ||||||
| Free Cash Flow | 52.58M | 42.59M | 57.71M | 50.64M | 91.75M | 200.19M |
| Operating Cash Flow | 52.74M | 43.39M | 58.49M | 51.29M | 93.81M | 202.18M |
| Investing Cash Flow | -117.02M | -260.18M | -160.39M | 243.31M | -260.17M | -504.18M |
| Financing Cash Flow | 19.64M | 171.36M | -71.74M | 53.22M | -444.46M | 801.72M |
Rbb Bancorp Technical Analysis
Price Trends
Market Momentum
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 26.00 is above the 20-day moving average (MA) of 25.93, below the 50-day MA of 26.07, and above the 200-day MA of 24.31, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 50.76 is Neutral, neither overbought nor oversold. The STOCH value of 43.96 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.
Latest Risks Added
3 New RisksRbb Bancorp Peers Comparison
Overall Rating
WCCB82Outperform
PCB81Outperform
BCAL72Outperform
OPBK70Outperform
BCML66Neutral- RBB65Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| WCCB | 82Outperform | $667.36M | 11.42 | 14.73% | 1.59% | 5.91% | 44.03% |
| PCB | 81Outperform | $427.19M | 9.95 | 10.72% | 2.87% | 3.68% | 23.15% |
| BCAL | 72Outperform | $702.52M | 12.08 | 10.08% | 1.91% | -4.47% | -7.41% |
| OPBK | 70Outperform | $222.05M | 7.44 | 12.79% | 3.59% | 7.48% | 28.18% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BCML | 66Neutral | $341.69M | 37.20 | 2.73% | 3.84% | -4.80% | -59.69% |
| RBB | 65Neutral | $436.04M | 9.96 | 8.34% | 2.46% | 4.40% | 74.44% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| RBB | Rbb Bancorp | 26.00 | 7.19 | 38.24% | |
| BCAL | California Bancorp | 21.99 | 3.43 | 18.51% | |
| OPBK | Op Bancorp | 15.03 | 2.18 | 16.97% | |
| BCML | Baycom | 31.25 | 3.97 | 14.55% | |
| PCB | PCB Bancorp | 29.96 | 8.81 | 41.65% | |
| WCCB | West Coast Community Bancorp | 63.36 | 22.63 | 55.58% |
Rbb Bancorp Corporate Events
RBB Bancorp Reports Strong Third Quarter Earnings Growth
PositiveOn 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, an i...
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.
Date of analysis: Nov 07, 2026