RBB Stock Analysis: RBB Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 451m USD | 12M Return: 45% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.01M
EPS Trend: -33.8%
Qual. Beats: 0
Rev. Trend: 56.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 8.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
RBB Bancorp (NASDAQ: RBB) is the holding company for Royal Business Bank, a regional bank founded in 2008 and headquartered in Los Angeles, California. The company targets Asian-centric communities across the United States, operating branches in Los Angeles County, Orange County, Ventura County, and Honolulu, Hawaii. It provides a full suite of deposit products (checking, savings, money market, time deposits, brokered and collateralized deposits, and CDs) and lending products (single-family residential, commercial real estate, construction and land development, commercial and industrial, and SBA loans), supplemented by remote deposit, e-banking, mobile banking, and treasury management services.
As a GICS-classified regional bank with a small-cap market capitalization of approximately $433 million, RBB operates within a niche segment of the U.S. banking industry. Its community-focused, ethnic-banking model is particularly relevant in California and Hawaii, which together are home to a large share of the nations Asian-American population, a demographic that has historically supported strong demand for specialized retail and small-business banking services.
- Net interest margin compresses as Fed cuts rates
- California commercial real estate exposure pressures credit quality
- SBA and C&I loan growth drives interest income expansion
| Net Income: 41.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.21 > 1.0 |
| NWC/Revenue: -1.22k% < 20% (prev -1.10k%; Δ -121.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 55.0m > Net Income 41.8m |
| Net Debt (-93.3m) to EBITDA (171.6m): -0.54 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago -3.61% < -2% |
| Gross Margin: 50.10% > 18% (prev 44.65%; Δ 5.45% > 0.5%) |
| Asset Turnover: 5.71% > 50% (prev 5.74%; Δ -0.03% > 0%) |
| Interest Coverage Ratio: 1.51 > 6 (EBIT TTM 165.0m / Interest Expense TTM 109.2m) |
| A: -0.68 (Total Current Assets 432.5m - Total Current Liabilities 3.35b) / Total Assets 4.28b |
| B: 0.07 (Retained Earnings 296.1m / Total Assets 4.28b) |
| C: 0.04 (EBIT TTM 165.0m / Avg Total Assets 4.18b) |
| D: 0.14 (Book Value of Equity 535.2m / Total Liabilities 3.74b) |
| Altman-Z'' = -3.84 = D |
As of July 28, 2026, the stock is trading at USD 26.56 with a total of 176,059 shares traded. Over the past week, the price has changed by -0.67%, over one month by -2.85%, over three months by +11.00% and over the past year by +44.98%.
Current recommended Stop Loss: 25.50 (which is 4% or 1.3 ATR below the current price).
RBB Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold RBB.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 27.6 | 3.9% |
P/E Trailing = 11.3319
P/E Forward = 12.21
P/S = 3.5647
P/B = 0.8529
Revenue TTM = 238.9m USD
EBIT TTM = 165.0m USD
EBITDA TTM = 171.6m USD
Long Term Debt = 265.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 130.0m USD (from shortTermDebt, two quarters ago)
Debt = 339.3m USD (from shortLongTermDebtTotal, last fiscal year) + Leases 24.4m
Net Debt = -93.3m USD (calculated: Debt 339.3m - CCE 432.5m)
Enterprise Value = 357.7m USD (451.0m + Debt 339.3m - CCE 432.5m)
Interest Coverage Ratio = 1.51 (Ebit TTM 165.0m / Interest Expense TTM 109.2m)
EV/FCF = 6.57x (Enterprise Value 357.7m / FCF TTM 54.4m)
FCF Yield = 15.21% (FCF TTM 54.4m / Enterprise Value 357.7m)
FCF Margin = 22.78% (FCF TTM 54.4m / Revenue TTM 238.9m)
Net Margin = 17.48% (Net Income TTM 41.8m / Revenue TTM 238.9m)
Gross Margin = 50.10% ((Revenue TTM 238.9m - Cost of Revenue TTM 119.2m) / Revenue TTM)
Gross Margin QoQ = none% (prev 57.25%)
Tobins Q-Ratio = 0.08 (Enterprise Value 357.7m / Total Assets 4.28b)
Interest Expense / Debt = 32.18% (Interest Expense 109.2m / Debt 339.3m)
Taxrate = 25.14% (14.0m / 55.8m)
NOPAT = 123.5m (EBIT 165.0m * (1 - 25.14%))
Current Ratio = 0.13 (Total Current Assets 432.5m / Total Current Liabilities 3.35b)
Debt / Equity = 0.63 (Debt 339.3m / totalStockholderEquity, last quarter 535.2m)
Debt / EBITDA = -0.54 (Net Debt -93.3m / EBITDA 171.6m)
Debt / FCF = -1.71 (Net Debt -93.3m / FCF TTM 54.4m)
Total Stockholder Equity = 526.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 41.8m / Total Assets 4.28b)
RoE = 7.94% (Net Income TTM 41.8m / Total Stockholder Equity 526.0m)
RoCE = 20.85% (EBIT 165.0m / Capital Employed (Equity 526.0m + L.T.Debt 265.3m))
RoIC = 13.53% (NOPAT 123.5m / Invested Capital 912.7m)
WACC = 15.50% (E(451.0m)/V(790.3m) * Re(9.03%) + D(339.3m)/V(790.3m) * Rd(32.18%) * (1-Tc(0.25)))
Discount Rate = 9.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.44 | Cagr: -3.72%
[DCF] Terminal Value 52.45% ; FCFF base≈56.9m ; Y1≈52.2m ; Y5≈46.3m
[DCF] Fair Price = 25.50 (EV 338.5m - Net Debt -93.3m = Equity 431.8m / Shares 16.9m; r=15.50% [WACC]; 5y FCF grow -10.19% → 2.50% )
EPS Correlation: -33.78 | EPS CAGR: -10.72% | SUE: 0.40 | # QB: 0
Revenue Correlation: 56.65 | Revenue CAGR: 2.00% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.54 | Chg30d=-5.59% | Revisions=+40% | Analysts=1
EPS current Year (2026-12-31): EPS=2.19 | Chg30d=-6.33% | Revisions=+40% | GrowthEPS=+19.7% | GrowthRev=+6.4%
EPS next Year (2027-12-31): EPS=2.52 | Chg30d=+1.86% | Revisions=+50% | GrowthEPS=+15.2% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +70% (up=7, down=0)