Rbb Bancorp (RBB) AI Stock Analysis

• Market Cap: $335.46M
• Dividend Yield: 3.38%
• Average Volume (3M): 89.81K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 1.15
• Revenue Growth: -0.13%
• EPS Growth: -32.16%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.29
• Shares Outstanding: 17,739,859
• 10 Day Avg. Volume: 120,729
• 30 Day Avg. Volume: 89,806
• PEG Ratio: 1.21
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.55
• Enterprise Value/Market Cap: 0.92
• Enterprise Value/Revenue: 0.33
• Enterprise Value/Gross Profit: 3.15
• Enterprise Value/Ebitda: 1.56
• 1Y Price Target: $19.00
• Price Target Upside: 1.01% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

• Rating: 79 Outperform
• Price Target: $22.00 ▲(16.96%Upside)

RBB Bancorp's stock is bolstered by strong technical indicators and a healthy valuation. The financial performance remains stable with operational efficiencies, despite challenges in revenue growth. Positive earnings call insights on loan growth and net interest margin improvements further support the stock’s outlook, although increased substandard loans and noninterest expenses pose risks.

Rbb Bancorp Business Overview & Revenue Model

Company Description

RBB Bancorp (RBB) is a financial holding company headquartered in Los Angeles, California. It operates primarily through its wholly-owned subsidiary, Royal Business Bank, which provides commercial banking services to businesses and individuals. The bank focuses on serving the Asian-American community, offering a wide range of financial products and services including loans, deposit accounts, and other financial services tailored to meet the needs of its clients. RBB Bancorp is committed to fostering economic growth and supporting the financial well-being of its clientele.

How the Company Makes Money

RBB Bancorp makes money primarily through its subsidiary, Royal Business Bank, which generates revenue from interest income on loans and leases, as well as fees from deposit accounts and other banking services. The bank offers various loan products, including commercial real estate loans, commercial and industrial loans, and small business loans, which constitute a significant portion of its income. Additionally, RBB Bancorp earns non-interest income from service charges, fees, and other financial services. The bank's focus on the Asian-American community allows it to leverage relationships and expertise in this niche market, contributing to its revenue growth. Strategic partnerships and community involvement also play a role in enhancing the company's market presence and profitability.

Rbb Bancorp Financial Statement Overview

Summary

RBB Bancorp demonstrates strong cash flow management and operational efficiency, but faces challenges in revenue growth and net income decline. The balance sheet is stable, yet asset and liability management requires attention for sustained 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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	232.00M	236.13M	191.47M	165.81M	153.08M
Gross Profit	104.84M	130.94M	155.11M	139.13M	106.97M
EBITDA	44.93M	69.87M	102.36M	94.47M	55.28M
Net Income	26.66M	42.47M	64.33M	56.91M	32.93M
Balance Sheet
Total Assets	4.01B	4.03B	3.92B	4.23B	3.35B
Cash, Cash Equivalents and Short-Term Investments	345.55M	508.11M	340.98M	870.23M	349.12M
Total Debt	364.39M	315.28M	434.83M	360.79M	268.67M
Total Liabilities	3.48B	3.51B	3.43B	3.76B	2.92B
Stockholders Equity	507.88M	511.19M	484.49M	466.61M	428.42M
Cash Flow
Free Cash Flow	57.71M	50.64M	91.75M	200.19M	120.31M
Operating Cash Flow	58.49M	51.29M	93.81M	202.18M	124.51M
Investing Cash Flow	-160.39M	243.31M	-260.17M	-504.18M	-446.01M
Financing Cash Flow	-71.74M	53.22M	-444.46M	801.72M	334.38M

Rbb Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 18.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• 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 18.81 is above the 20-day moving average (MA) of 18.59, above the 50-day MA of 17.52, and below the 200-day MA of 18.88, indicating a neutral trend. The MACD of 0.43 indicates Positive momentum. The RSI at 58.46 is Neutral, neither overbought nor oversold. The STOCH value of 54.90 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
CZNC	79 Outperform	$301.37M	11.18	9.74%	5.76%	8.59%	14.56%
RBB	79 Outperform	$335.46M	14.65	4.47%	3.38%	-0.13%	-32.16%
CZFS	75 Outperform	$275.60M	9.68	9.62%	3.43%	9.53%	63.45%
BCML	74 Outperform	$303.02M	12.63	7.50%	2.18%	1.75%	2.76%
PDLB	69 Neutral	$344.42M	20.24	3.42%	―	17.80%	86.24%
Sector *	65 Neutral	£5.01B	10.90	6.90%	6.17%	24.10%	4.50%
BRBS	50 Neutral	$337.36M	―	-0.06%	―	-20.44%	99.91%

Rbb Bancorp Corporate Events

RBB Bancorp Announces Cash Dividend Amid Strong Q2 Results

On July 21, 2025, RBB Bancorp announced a cash dividend of $0.16 per share, payable on August 12, 2025. The company reported strong financial results for the second quarter of 2025, with a net income of $9.3 million, a significant increase from the previous quarter. Key highlights include a rise in net interest income, a decrease in nonperforming assets, and an increase in loan growth. The company also benefited from a $5.2 million Employee Retention Credit, which contributed to the increase in noninterest income. These results reflect RBB Bancorp’s strategic focus on loan growth and efficient management of nonperforming assets, positioning it well in the financial sector.

The most recent analyst rating on (RBB) stock is a Hold with a $26.00 price target. To see the full list of analyst forecasts on Rbb Bancorp stock, see the RBB Stock Forecast page.

RBB Bancorp Announces $18M Stock Repurchase Plan

On May 29, 2025, RBB Bancorp announced a stock repurchase plan authorized by its Board of Directors, allowing for the buyback of up to $18 million of its outstanding common stock through June 30, 2026. The repurchase plan is flexible, permitting purchases in open market or private transactions, and can be modified or terminated based on market conditions and other factors. This move could potentially impact the company’s stock value and shareholder returns, reflecting RBB Bancorp’s strategic financial management and market positioning.

The most recent analyst rating on (RBB) stock is a Hold with a $26.00 price target. To see the full list of analyst forecasts on Rbb Bancorp stock, see the RBB Stock Forecast page.

RBB Bancorp’s Annual Shareholder Meeting Highlights Key Decisions

On May 21, 2025, RBB Bancorp held its Annual Meeting of Shareholders where key decisions were made, including the election of eleven directors to the board, approval of executive compensation, and ratification of Crowe LLP as the independent auditor for the fiscal year 2025. The meeting saw participation from shareholders holding 11,231,147 shares out of the 17,738,627 shares entitled to vote, reflecting significant shareholder engagement in the company’s governance and strategic direction.

The most recent analyst rating on (RBB) stock is a Hold with a $19.00 price target. To see the full list of analyst forecasts on Rbb Bancorp stock, see the RBB Stock Forecast page.