Rbb Bancorp (RBB) AI Stock Analysis

• Market Cap: $322.59M
• Dividend Yield: 3.42%
• Average Volume (3M): 42.53K
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.16
• Revenue Growth: -0.70%
• EPS Growth: -19.65%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 17,250,828
• 10 Day Avg. Volume: 60,484
• 30 Day Avg. Volume: 42,532
• PEG Ratio: -0.41
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 1.60
• P/FCF Ratio: 6.43
• Enterprise Value/Market Cap: 1.83
• Enterprise Value/Revenue: 2.52
• Enterprise Value/Gross Profit: 5.64
• Enterprise Value/Ebitda: 14.86
• 1Y Price Target: $21.00
• Price Target Upside: 12.30% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.37
• Revenue Forecast (FY): $123.06M

• Rating: 69 Neutral
• Price Target: $20.50 ▲(9.63% Upside)

RBB Bancorp's overall stock score reflects a stable financial position with moderate growth and profitability. The valuation is reasonable, and the dividend yield is attractive. However, technical indicators show mixed signals, and the earnings call highlighted some operational challenges and risks.

Rbb Bancorp Business Overview & Revenue Model

Company Description

RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American, and other Asian-American communities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential, commercial, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services. The company primarily offers its products and services to individuals, businesses, municipalities, and other entities. As of December 31, 2021, it operated 23 branches in the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

How the Company Makes Money

RBB Bancorp generates revenue primarily through interest income from loans and investments, which constitutes a significant portion of its earnings. The company offers various types of loans, including commercial loans, real estate loans, and consumer loans, allowing it to charge interest over the life of these products. Additionally, RBB earns non-interest income through fees associated with deposit accounts, treasury management services, and transaction-based services. The bank may also benefit from partnerships with local businesses and organizations, enhancing its customer base and facilitating cross-selling opportunities. Overall, RBB's revenue model is built on a combination of interest income from lending activities and fee-based income from its range of banking services.

Rbb Bancorp Financial Statement Overview

Summary

RBB Bancorp shows resilience in cash flow and operational efficiency. However, challenges in revenue growth and net income decline require strategic focus. The balance sheet remains stable, but attention to asset and liability management is crucial for sustaining long-term growth.

Income Statement

RBB Bancorp's TTM (Trailing-Twelve-Months) shows a decline in revenue and net income compared to previous years, indicating challenges in maintaining growth. The gross profit margin has decreased, reflecting potential cost management issues. However, the company maintains a positive EBIT and EBITDA margin, showcasing operational efficiency despite revenue pressures.

Balance Sheet

The balance sheet reflects a stable equity base with a debt-to-equity ratio that suggests moderate leverage. The equity ratio is healthy, indicating a strong capital position. However, fluctuations in total assets and liabilities could indicate future stability concerns.

Cash Flow

RBB Bancorp demonstrates strong cash flow management with a positive free cash flow and a robust operating cash flow to net income ratio. The free cash flow has grown over the period, indicating effective cash generation capabilities despite fluctuating capital expenditures and financing activities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	234.77M	232.00M	236.13M	191.47M	165.81M	153.08M
Gross Profit	104.83M	104.84M	130.94M	155.11M	139.13M	106.97M
EBITDA	39.82M	44.93M	69.87M	102.36M	94.47M	55.28M
Net Income	23.01M	26.66M	42.47M	64.33M	56.91M	32.93M
Balance Sheet
Total Assets	4.09B	4.01B	4.03B	3.92B	4.23B	3.35B
Cash, Cash Equivalents and Short-Term Investments	440.48M	345.55M	508.11M	340.98M	870.23M	349.12M
Total Debt	342.28M	364.39M	315.28M	434.83M	360.79M	268.67M
Total Liabilities	3.57B	3.48B	3.51B	3.43B	3.76B	2.92B
Stockholders Equity	517.65M	507.88M	511.19M	484.49M	466.61M	428.42M
Cash Flow
Free Cash Flow	70.64M	57.71M	50.64M	91.75M	200.19M	120.31M
Operating Cash Flow	71.40M	58.49M	51.29M	93.81M	202.18M	124.51M
Investing Cash Flow	-303.59M	-160.39M	243.31M	-260.17M	-504.18M	-446.01M
Financing Cash Flow	171.27M	-71.74M	53.22M	-444.46M	801.72M	334.38M

Rbb Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 18.7 is above the 20-day moving average (MA) of 18.29, below the 50-day MA of 18.80, and above the 200-day MA of 17.53, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 55.09 is Neutral, neither overbought nor oversold. The STOCH value of 37.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBB.

Rbb Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBFS	73 Outperform	$332.12M	15.90	6.79%	―	28.90%	31.84%
CZNC	70 Outperform	$340.28M	10.95	9.44%	5.85%	5.76%	21.85%
OBT	70 Outperform	$335.41M	8.30	15.69%	2.05%	8.90%	18.23%
RBB	69 Neutral	$322.59M	12.58	5.11%	3.42%	-0.70%	-19.65%
BCML	68 Neutral	$298.76M	13.03	7.07%	3.11%	1.25%	-0.07%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MVBF	67 Neutral	$331.01M	10.57	10.19%	2.62%	-13.61%	73.85%

Rbb Bancorp Corporate Events

RBB Bancorp Reports Strong Q3 2025 Earnings

RBB Bancorp is a community-based financial holding company headquartered in Los Angeles, California, primarily serving Asian-centric communities with a range of banking services through its subsidiary, Royal Business Bank. In the third quarter of 2025, RBB Bancorp reported an 8.7% increase in net income to $10.1 million, alongside a quarterly cash dividend of $0.16 per common share. The company saw improvements in several key financial metrics, including a rise in net interest margin to 2.98% and a decrease in nonperforming assets by 11% to $54.3 million. Additionally, the company repurchased $12.5 million in common stock and experienced growth in loans held for investment by $67.9 million. Looking forward, RBB Bancorp’s management remains focused on core earnings growth and credit stabilization, positioning the company for continued financial health and shareholder value.

RBB Bancorp Reports Strong Q3 2025 Financial Results

RBB Bancorp reported an 8.7% increase in net income to $10.1 million for the third quarter of 2025, driven by core earnings growth and lower credit costs. The company declared a cash dividend of $0.16 per share, reflecting its strong financial performance and commitment to shareholder returns. The quarter saw a decrease in nonperforming assets and an increase in net interest margin, indicating improved financial health and operational efficiency. The effective tax rate decreased due to changes in California tax law, further boosting net income.

The most recent analyst rating on (RBB) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Rbb Bancorp stock, see the RBB Stock Forecast page.