RBB Stock Analysis: RBB Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 467m USD | 12M Return: 40.7% | US74930B1052 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.55M
EPS Trend: -33.8%
Qual. Beats: 0
Rev. Trend: 60.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 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 -0.44 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev -1.10k%; Δ -369.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 55.7m > Net Income 41.8m |
| Net Debt (317.8m) to EBITDA (64.5m): 4.93 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.1m) vs 12m ago -3.61% < -2% |
| Gross Margin: 54.45% > 18% (prev 44.65%; Δ 9.79% > 0.5%) |
| Asset Turnover: 5.78% > 50% (prev 5.74%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 0.51 > 6 (EBIT TTM 55.8m / Interest Expense TTM 109.2m) |
| A: -0.83 (Total Current Assets 25.4m - Total Current Liabilities 3.58b) / Total Assets 4.28b |
| B: 0.07 (Retained Earnings 296.1m / Total Assets 4.28b) |
| C: 0.01 (EBIT TTM 55.8m / Avg Total Assets 4.18b) |
| D: 0.14 (Book Value of Equity 535.2m / Total Liabilities 3.74b) |
| Altman-Z'' = -4.99 = D |
As of August 22, 2026, the stock is trading at USD 26.64 with a total of 90,338 shares traded. Over the past week, the price has changed by -3.44%, over one month by +0.65%, over three months by +12.81% and over the past year by +40.73%.
Current recommended Stop Loss: 25.60 (which is 3.9% or 1.6 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 | 28.5 | 7% |
P/E Trailing = 11.3539
P/E Forward = 12.21
P/S = 3.5433
P/B = 0.8374
Revenue TTM = 241.9m USD
EBIT TTM = 55.8m USD
EBITDA TTM = 64.5m USD
Long Term Debt = 295.5m USD (from longTermDebt, last quarter)
Short Term Debt = 160.0m USD (from shortTermDebt, last quarter)
Debt = 343.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 23.8m
Net Debt = 317.8m USD (calculated: Debt 343.2m - CCE 25.4m)
Enterprise Value = 784.5m USD (466.7m + Debt 343.2m - CCE 25.4m)
Interest Coverage Ratio = 0.51 (Ebit TTM 55.8m / Interest Expense TTM 109.2m)
EV/FCF = 14.22x (Enterprise Value 784.5m / FCF TTM 55.2m)
FCF Yield = 7.03% (FCF TTM 55.2m / Enterprise Value 784.5m)
FCF Margin = 22.80% (FCF TTM 55.2m / Revenue TTM 241.9m)
Net Margin = 17.26% (Net Income TTM 41.8m / Revenue TTM 241.9m)
Gross Margin = 54.45% ((Revenue TTM 241.9m - Cost of Revenue TTM 110.2m) / Revenue TTM)
Gross Margin QoQ = 55.01% (prev 57.25%)
Tobins Q-Ratio = 0.18 (Enterprise Value 784.5m / Total Assets 4.28b)
Interest Expense / Debt = 31.81% (Interest Expense 109.2m / Debt 343.2m)
Taxrate = 25.14% (14.0m / 55.8m)
NOPAT = 41.8m (EBIT 55.8m * (1 - 25.14%))
Current Ratio = 0.01 (Total Current Assets 25.4m / Total Current Liabilities 3.58b)
Debt / Equity = 0.64 (Debt 343.2m / totalStockholderEquity, last quarter 535.2m)
Debt / EBITDA = 4.93 (Net Debt 317.8m / EBITDA 64.5m)
Debt / FCF = 5.76 (Net Debt 317.8m / FCF TTM 55.2m)
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 = 6.79% (EBIT 55.8m / Capital Employed (Equity 526.0m + L.T.Debt 295.5m))
RoIC = 4.96% (NOPAT 41.8m / Invested Capital 842.4m)
WACC = 15.17% (E(466.7m)/V(809.9m) * Re(8.82%) + D(343.2m)/V(809.9m) * Rd(31.81%) * (1-Tc(0.25)))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.44 | Cagr: -3.72%
[DCF] Terminal Value 52.10% ; FCFF base≈61.3m ; Y1≈53.8m ; Y5≈43.5m
[DCF] Fair Price = 0.89 (EV 332.9m - Net Debt 317.8m = Equity 15.1m / Shares 16.9m; r=15.17% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -33.78 | EPS CAGR: -10.72% | SUE: 0.40 | # QB: 0
Revenue Correlation: 60.47 | Revenue CAGR: 2.19% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.57 | Chg30d=+0.17% | Revisions=-17% | Analysts=4
EPS current Year (2026-12-31): EPS=2.39 | Chg30d=+1.79% | Revisions=+38% | GrowthEPS=+30.4% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=2.51 | Chg30d=+0.00% | Revisions=+12% | GrowthEPS=+5.2% | GrowthRev=+6.0%
[Analyst] Revisions Ratio: +19% (up=8, down=5)