Rbb Bancorp (RBB)
NASDAQ:RBB
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Rbb Bancorp
(NASDAQ:RBB)
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Rating:67Neutral
Price Target:
$25.00
▲(9.31% Upside)
Action:ReiteratedDate:04/21/26
The score is driven primarily by mid-range financial performance (stable revenues and improving leverage, but weaker profitability and choppy cash flow versus prior peaks). Technicals add support with price above major moving averages and positive MACD, while valuation is reasonable but not compelling given the modest yield. The latest earnings call improves the outlook with NIM expansion, better efficiency, and improving credit, partially offset by funding repricing pressure and one-time items.
Positive Factors
NIM expansion / normalization
A sustained NIM normalization toward 3%–3.25% supports recurring net interest income from the loan and investment portfolio. Over 2–6 months, a higher normalized margin boosts core earnings stability, improving ability to cover operating costs and fund organic growth without relying on one-time gains.
Negative Factors
NPL concentration risk
Heavy concentration of problem loans in a few relationships creates idiosyncratic resolution risk: workout timing and recovery are uncertain and can produce episodic credit losses. This concentration limits predictability of credit outcomes and could reverse recent asset-quality gains if recoveries disappoint.
Read all positive and negative factors
Positive Factors
Negative Factors
NIM expansion / normalization
A sustained NIM normalization toward 3%–3.25% supports recurring net interest income from the loan and investment portfolio. Over 2–6 months, a higher normalized margin boosts core earnings stability, improving ability to cover operating costs and fund organic growth without relying on one-time gains.
Read all positive factors
Rbb Bancorp (RBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$411.83M
Dividend Yield2.98%
Average Volume (3M)56.46K
Price to Earnings (P/E)8.1
Beta (1Y)0.88
Revenue Growth6.99%
EPS Growth103.96%
CountryUS
Employees372
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.66
Shares Outstanding17,074,160
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 Ratio8.26
Enterprise Value/Market Cap1.22
Enterprise Value/Revenue2.10
Enterprise Value/Gross Profit4.21
Enterprise Value/Ebitda10.26
Forecast
1Y Price Target
$24.00Price Target Upside4.94% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)2.29
Revenue Forecast (FY)$134.89M
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 makes money primarily through its banking subsidiary, Royal Business Bank, by generating net interest income and noninterest income. Net interest income is earned from the spread between interest collected on interest-earning assets—su...
Rbb Bancorp Earnings Call Summary
Earnings Call Date:Apr 20, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
Earnings Call Sentiment Positive
The call highlighted several positive operating and financial trends — higher net income, margin expansion to 3.15%, improved efficiency, tangible book value growth, and significant YoY reductions in nonperforming assets — supported by a healthy pipeline and disciplined lending posture. Offsetting items include muted quarter-to-quarter loan growth, a small decline in deposits, concentration in a few NPL relationships (one in bankruptcy), the one-time nature of an FHLB dividend supporting NIM, and near-term funding and repricing pressures (CDs and subordinated debt). On balance, the improving earnings, margin expansion, strengthened capital/tangible book metrics, and improved asset-quality trend outweigh the headwinds and one-time items.Positive Updates
Quarterly Net Income Growth
Net income of $11.3 million, or $0.66 per diluted share, an 11% increase from the fourth quarter and the highest quarterly earnings level in two years.
Negative Updates
Modest Loan Growth in the Quarter
Loans held for investment increased only ~$11 million (approximately 1% annualized); $131 million of new originations were largely offset by elevated payoffs and paydowns as borrowers refinanced or sold assets.
Read all updates
Q1-2026 Updates
Positive
Negative
Quarterly Net Income Growth
Net income of $11.3 million, or $0.66 per diluted share, an 11% increase from the fourth quarter and the highest quarterly earnings level in two years.
Read all positive updates
Company Guidance
Management’s guidance emphasized disciplined, profitable growth and improving returns: they expect mid-to-high single‑digit loan growth for 2026 (building off a roughly $3B portfolio), continued NIM expansion toward a more normalized ~3%–3.25% (Q1 NIM was 3.15% — up 60 bps QoQ; a $430k FHLB special dividend added ~4 bps), and lower future provisions as credit improves (NPAs down 9% QoQ and 24% YoY; effectively zero net charge‑offs; NPLs may be resolved during 2026). Near‑term operating guidance includes noninterest expense of $18M–$19M for the next few quarters (Q1 expense was $19.3M; efficiency ratio improved to 55% from 59%), while capital action priorities this year are addressing subordinated debt repricing (April 1) with potential retirement and possible buybacks thereafter. Other relevant Q1 metrics cited alongside the guidance: net income $11.3M ($0.66 EPS), ROA 1.09%, net interest income $30.5M, loans +$11M (1% annualized; $131M of originations), deposits −$10.5M but retail deposits +$50M, spot deposit rate 2.79%, ~60% of funding in CDs/savings with ~1/3 repricing in Q1 (renewal rates ~3.70%–3.75%; market offers ~3.85%–4%), total assets $4.2B, BVPS $31.10 and tangible BVPS $26.84.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 | 42.59M | 57.71M | 50.64M | 91.75M | 200.19M |
| Operating Cash Flow | 43.39M | 58.49M | 51.29M | 93.81M | 202.18M |
| Investing Cash Flow | -260.18M | -160.39M | 243.31M | -260.17M | -504.18M |
| Financing Cash Flow | 171.36M | -71.74M | 53.22M | -444.46M | 801.72M |
Rbb Bancorp Technical Analysis
Positive
22.87
Price Trends
21.71
Positive
21.37
Positive
20.00
Positive
Market Momentum
0.35
Negative
66.87
Neutral
66.41
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 22.87 is above the 20-day moving average (MA) of 21.80, above the 50-day MA of 21.71, and above the 200-day MA of 20.00, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 66.87 is Neutral, neither overbought nor oversold. The STOCH value of 66.41 is Neutral, 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 | $457.20M | 9.46 | 16.09% | 2.00% | 10.89% | 40.90% | |
71 Outperform | $395.46M | 361.39 | 5.49% | 5.43% | 13.25% | -37.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $411.83M | 8.07 | 7.85% | 2.98% | 6.99% | 103.96% | |
65 Neutral | $335.63M | 15.32 | 8.30% | 2.61% | -6.69% | 51.80% | |
65 Neutral | $356.84M | 21.68 | 6.48% | ― | 28.31% | 36.70% | |
62 Neutral | $327.06M | 9.91 | 7.18% | 2.91% | 3.70% | 15.06% |
* Financial Sector Average
RBB
Rbb Bancorp
24.24
8.89
57.97%
CZNC
Citizens & Northern
22.48
4.15
22.65%
BCML
BayCom
29.99
4.31
16.77%
MVBF
MVB Financial
25.68
8.31
47.81%
PBFS
Pioneer Bancorp
14.34
2.58
21.94%
OBT
Orange County Bancorp
34.10
8.03
30.82%
Rbb Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
RBB Bancorp Details Strong First-Quarter 2026 Financial Performance
Positive
Apr 20, 2026
RBB Bancorp reported solid first-quarter 2026 results on April 20, with net income rising to $11.3 million, or $0.66 per diluted share, driven by higher net interest income, an expanded net interest margin of 3.15% and improved credit quality as n...
Executive/Board Changes
RBB Bancorp Announces Retirement of Director Christopher Lin
Neutral
Apr 6, 2026
On April 1, 2026, RBB Bancorp announced that Dr. Christopher Lin, Ph.D., a current member of both the RBB Bancorp Board and the Royal Business Bank Board, will retire effective as of the company’s 2026 Annual Meeting of Shareholders and will...
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.