RBB Stock Analysis: RBB Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 433m USD | 12M Return: 61.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.33M
EPS Trend: -67.0%
Qual. Beats: 1
Rev. Trend: 67.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 8.9 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
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: 41.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.21 > 1.0 |
| NWC/Revenue: -1.13k% < 20% (prev -1.11k%; Δ -23.26% < -1%) |
| CFO/TA 0.01 > 3% & CFO 55.0m > Net Income 41.0m |
| Net Debt (-303.3m) to EBITDA (63.4m): -4.78 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.2m) vs 12m ago -3.35% < -2% |
| Gross Margin: 54.02% > 18% (prev 43.03%; Δ 10.99% > 0.5%) |
| Asset Turnover: 5.96% > 50% (prev 5.70%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 0.50 > 6 (EBIT TTM 54.6m / Interest Expense TTM 109.0m) |
| A: -0.66 (Total Current Assets 711.6m - Total Current Liabilities 3.47b) / Total Assets 4.19b |
| B: 0.07 (Retained Earnings 290.6m / Total Assets 4.19b) |
| C: 0.01 (EBIT TTM 54.6m / Avg Total Assets 4.10b) |
| D: 0.14 (Book Value of Equity 531.0m / Total Liabilities 3.66b) |
| Altman-Z'' = -3.85 = D |
| DSRI: 3.0 (Receivables 93.5m/10.3m, Revenue 244.4m/228.5m) |
| GMI: 0.80 (GM 43.03% / 54.02%) |
| AQI: 0.99 (AQ_t 0.82 / AQ_t-1 0.83) |
| SGI: 1.07 (Revenue 244.4m / 228.5m) |
| TATA: -0.00 (NI 41.0m - CFO 55.0m) / TA 4.19b) |
| Beneish M = -1.52 (Cap -4..+1) = CCC |
As of June 30, 2026, the stock is trading at USD 27.34 with a total of 289,899 shares traded. Over the past week, the price has changed by +6.16%, over one month by +13.18%, over three months by +28.76% and over the past year by +61.49%.
Current recommended Stop Loss: 26.50 (which is 3.1% or 1.1 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 | 26.6 | -2.7% |
P/E Trailing = 10.8263
P/E Forward = 12.21
P/S = 3.4115
P/B = 0.8121
Revenue TTM = 244.4m USD
EBIT TTM = 54.6m USD
EBITDA TTM = 63.4m USD
Long Term Debt = 155.4m USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last quarter)
Debt = 314.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 24.4m
Net Debt = -303.3m USD (calculated: Debt 314.2m - CCE 617.5m)
Enterprise Value = 129.4m USD (432.7m + Debt 314.2m - CCE 617.5m)
Interest Coverage Ratio = 0.50 (Ebit TTM 54.6m / Interest Expense TTM 109.0m)
EV/FCF = 2.38x (Enterprise Value 129.4m / FCF TTM 54.4m)
FCF Yield = 42.06% (FCF TTM 54.4m / Enterprise Value 129.4m)
FCF Margin = 22.27% (FCF TTM 54.4m / Revenue TTM 244.4m)
Net Margin = 16.76% (Net Income TTM 41.0m / Revenue TTM 244.4m)
Gross Margin = 54.02% ((Revenue TTM 244.4m - Cost of Revenue TTM 112.4m) / Revenue TTM)
Gross Margin QoQ = 57.25% (prev 52.86%)
Tobins Q-Ratio = 0.03 (Enterprise Value 129.4m / Total Assets 4.19b)
Interest Expense / Debt = 34.68% (Interest Expense 109.0m / Debt 314.2m)
Taxrate = 25.04% (13.7m / 54.6m)
NOPAT = 41.0m (EBIT 54.6m * (1 - 25.04%))
Current Ratio = 0.21 (Total Current Assets 711.6m / Total Current Liabilities 3.47b)
Debt / Equity = 0.59 (Debt 314.2m / totalStockholderEquity, last quarter 531.0m)
Debt / EBITDA = -4.78 (Net Debt -303.3m / EBITDA 63.4m)
Debt / FCF = -5.57 (Net Debt -303.3m / FCF TTM 54.4m)
Total Stockholder Equity = 521.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 41.0m / Total Assets 4.19b)
RoE = 7.85% (Net Income TTM 41.0m / Total Stockholder Equity 521.6m)
RoCE = 8.07% (EBIT 54.6m / Capital Employed (Equity 521.6m + L.T.Debt 155.4m))
RoIC = 4.86% (NOPAT 41.0m / Invested Capital 842.2m)
WACC = 15.97% (E(432.7m)/V(746.9m) * Re(8.68%) + D(314.2m)/V(746.9m) * Rd(34.68%) * (1-Tc(0.25)))
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.89 | Cagr: -4.27%
[DCF] Terminal Value 51.33% ; FCFF base≈56.9m ; Y1≈52.2m ; Y5≈46.3m
[DCF] Fair Price = 37.23 (EV 327.2m - Net Debt -303.3m = Equity 630.5m / Shares 16.9m; r=15.97% [WACC]; 5y FCF grow -10.19% → 2.50% )
EPS Correlation: -66.99 | EPS CAGR: -21.40% | SUE: 1.56 | # QB: 1
Revenue Correlation: 67.83 | Revenue CAGR: 3.69% | SUE: 0.71 | # QB: 0
EPS next Quarter (2026-09-30): EPS=0.57 | Chg30d=+0.35% | Revisions=+56% | Analysts=5
EPS current Year (2026-12-31): EPS=2.34 | Chg30d=+0.17% | Revisions=+56% | GrowthEPS=+27.8% | GrowthRev=+6.3%
EPS next Year (2027-12-31): EPS=2.48 | Chg30d=+1.23% | Revisions=+56% | GrowthEPS=+5.9% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +56%