Rbb Bancorp (RBB)
NASDAQ:RBB
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Rbb Bancorp
(NASDAQ:RBB)
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Rating:66Neutral
Price Target:
$23.00
▲(3.14% Upside)
Action:DowngradedDate:03/10/26
Overall score reflects stable but not fully recovered financial performance (profits and ROE still well below prior-cycle peaks, and 2025 free cash flow declined), balanced by clearly attractive valuation (low P/E and ~3% yield) and a generally positive earnings outlook driven by improving credit trends and continued loan growth. Technicals are a modest headwind, with price below key short-term moving averages and muted momentum.
Positive Factors
Improving Asset Quality
Large, sustained reductions in NPLs and NPAs materially lower credit volatility and expected future provisioning. This improvement supports steadier earnings, frees capital for growth or returns, and reduces loan-loss reserve pressure, improving long-term profitability resilience.
Negative Factors
Sub‑par Profitability / ROE
ROE materially below prior peaks signals weaker earnings power relative to the capital base. Persistently subdued returns reduce internal capital generation, constrain reinvestment and shareholder distributions, and suggest structural margin or efficiency headwinds that may take multiple quarters to reverse.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Asset Quality
Large, sustained reductions in NPLs and NPAs materially lower credit volatility and expected future provisioning. This improvement supports steadier earnings, frees capital for growth or returns, and reduces loan-loss reserve pressure, improving long-term profitability resilience.
Read all positive factors
Rbb Bancorp (RBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$380.58M
Dividend Yield2.98%
Average Volume (3M)56.46K
Price to Earnings (P/E)11.0
Beta (1Y)0.84
Revenue Growth-0.70%
EPS Growth-19.65%
CountryUS
Employees372
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.59
Shares Outstanding17,066,400
10 Day Avg. Volume71,151
30 Day Avg. Volume56,461
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)0.67
Price to Sales (P/S)1.48
P/FCF Ratio10.76
Enterprise Value/Market Cap1.76
Enterprise Value/Revenue2.81
Enterprise Value/Gross Profit5.62
Enterprise Value/Ebitda13.70
Forecast
1Y Price Target
$22.00Price Target Upside-1.35% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.06
Revenue Forecast (FY)$134.79M
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, sav...
How the Company Makes Money
RBB Bancorp generates revenue primarily through interest income from loans and investments, alongside non-interest income from fees associated with its banking services. The company’s main revenue streams include interest earned on commercial and ...
Rbb Bancorp Earnings Call Summary
Earnings Call Date:Jan 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 20, 2026
Earnings Call Sentiment Positive
The call presented numerous substantive improvements: strong YoY earnings growth, solid loan growth and originations, meaningful reductions in nonperforming assets and criticized/classified loans, and improved funding costs and capital returns. Management acknowledged remaining credit work (a few large NPLs, including a partial construction project), deposit competition and deposit-cost pressure, near-term repricing of subordinated debt, and some muted margin expansion in Q4. Overall, the positive operational and credit trends and capital actions outweigh the headwinds, but the company faces near-term funding and repricing challenges that management is actively addressing.Positive Updates
Net Income and EPS Improvement
Q4 net income of $10.2 million, or $0.59 diluted EPS, stable vs Q3 and more than double year-ago quarter results (>100% YoY increase).
Negative Updates
Deposit Competition and Cost Pressure
Management noted intensified competition for deposits. The fourth quarter rate on average interest-bearing deposits declined 55 basis points YoY but deposit cost reductions have not kept pace with rate cuts, and deposit beta is expected to increase (linked-quarter beta ~30%, higher on a rolling basis).
Read all updates
Q4-2025 Updates
Positive
Negative
Net Income and EPS Improvement
Q4 net income of $10.2 million, or $0.59 diluted EPS, stable vs Q3 and more than double year-ago quarter results (>100% YoY increase).
Read all positive updates
Company Guidance
Management guided to "another year of high‑single‑digit loan growth" in 2026 (after 8.6% loan growth in 2025), supported by a healthy pipeline and strong originations ($145M in Q4; 2025 originations 32% above 2024), and sees room for NIM expansion from the Q4 NIM of 2.99% and loan yield of 6.7% as deposit costs improve (spot deposit rate 290), noting a linked‑quarter deposit beta near 30% (historically closer to 70% y/y) and that 99.5% of $1.7B in CDs mature within 12 months (40% in Q1, average price in the high‑3% range) which should allow repricing; they expect incremental deposit cost improvement in Q1, an effective tax rate of 27–28% in 2026, quarterly noninterest expenses roughly $18–19M (Q1 ~ $0.75M higher for taxes/salary), lower annual credit costs as NPAs/NPLs continue to resolve (NPLs down 45% YoY; NPAs down 34% YoY; criticized/classified assets down 43% YoY), plans to rightsize $120M of sub debt re‑pricing on April 1, and the potential to resume buybacks once capital is optimized.Rbb Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
67
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 238.00M | 232.00M | 236.13M | 191.47M | 165.81M |
| Gross Profit | 118.80M | 104.84M | 130.91M | 155.11M | 139.13M |
| EBITDA | 48.77M | 44.93M | 69.87M | 102.36M | 94.47M |
| Net Income | 31.95M | 26.66M | 42.47M | 64.33M | 56.91M |
Balance Sheet | |||||
| Total Assets | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B |
| Cash, Cash Equivalents and Short-Term Investments | 434.29M | 345.55M | 508.11M | 340.98M | 870.23M |
| Total Debt | 314.89M | 364.39M | 315.28M | 434.83M | 360.79M |
| Total Liabilities | 3.68B | 3.48B | 3.51B | 3.43B | 3.76B |
| Stockholders Equity | 523.41M | 507.81M | 511.19M | 484.49M | 466.61M |
Cash Flow | |||||
| Free Cash Flow | 32.71M | 57.71M | 50.64M | 91.75M | 200.19M |
| Operating Cash Flow | 39.38M | 58.49M | 51.29M | 93.81M | 202.18M |
| Investing Cash Flow | 257.00K | -160.39M | 243.31M | -260.17M | -504.18M |
| Financing Cash Flow | -25.09M | -71.74M | 53.22M | -444.46M | 801.72M |
Rbb Bancorp Technical Analysis
Positive
22.30
Price Trends
21.48
Positive
21.08
Positive
19.77
Positive
Market Momentum
0.07
Negative
59.75
Neutral
85.70
Negative
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 22.3 is above the 20-day moving average (MA) of 21.12, above the 50-day MA of 21.48, and above the 200-day MA of 19.77, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 59.75 is Neutral, neither overbought nor oversold. The STOCH value of 85.70 is Negative, 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Rbb Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $457.47M | 8.58 | 16.51% | 2.00% | 8.90% | 18.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $417.49M | 13.73 | 7.79% | 5.43% | 5.76% | 21.85% | |
67 Neutral | $338.63M | 13.39 | 7.07% | 2.91% | 1.25% | -0.07% | |
66 Neutral | $380.58M | 11.02 | 6.19% | 2.98% | -0.70% | -19.65% | |
65 Neutral | $338.46M | 12.25 | 8.46% | 2.61% | -14.00% | 73.85% | |
60 Neutral | $355.84M | 21.68 | 6.48% | ― | 28.90% | 31.84% |
* Financial Sector Average
RBB
Rbb Bancorp
22.30
7.38
49.49%
CZNC
Citizens & Northern
23.31
5.92
34.03%
BCML
BayCom
31.04
7.39
31.26%
MVBF
MVB Financial
26.35
10.65
67.81%
PBFS
Pioneer Bancorp
14.19
3.11
28.07%
OBT
Orange County Bancorp
34.22
13.34
63.87%
Rbb Bancorp Corporate Events
DividendsFinancial Disclosures
RBB Bancorp reports strong 2025 results, declares dividend
Positive
Jan 27, 2026
On January 26, 2026, RBB Bancorp reported its fourth-quarter and full-year 2025 results, highlighting net income of $10.2 million, or $0.59 per diluted share, for the quarter and $31.9 million, or $1.83 per diluted share, for the year, representin...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.