Rbb Bancorp (RBB) AI Stock Analysis

• Market Cap: $338.46M
• Dividend Yield: 3.26%
• Average Volume (3M): 55.78K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 1.14
• 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: 17,250,828
• 10 Day Avg. Volume: 42,300
• 30 Day Avg. Volume: 55,784
• PEG Ratio: -0.41
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 1.60
• P/FCF Ratio: 6.43
• Enterprise Value/Market Cap: 1.84
• Enterprise Value/Revenue: 2.65
• Enterprise Value/Gross Profit: 5.93
• Enterprise Value/Ebitda: 15.60
• 1Y Price Target: $19.50
• Price Target Upside: 1.25% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: $22.00 ▲(14.23% Upside)

RBB Bancorp's overall stock score reflects strong loan growth and positive technical indicators, balanced by moderate valuation and financial performance. The earnings call provided a positive outlook, but risks related to asset quality and expenses remain.

Positive Factors

Loan Growth

Strong loan growth indicates robust demand for RBB's lending services, enhancing revenue potential and market position in the banking sector.

Net Interest Margin

An increasing net interest margin suggests improved profitability from lending activities, supporting long-term earnings stability and growth.

Strong Capital Levels

Strong capital levels provide a buffer against economic downturns and support future growth initiatives, ensuring financial resilience.

Negative Factors

Increased Criticized Assets

Rising criticized assets indicate potential asset quality issues, posing risks to financial stability and future profitability.

Higher Noninterest Expenses

Increasing noninterest expenses can pressure profit margins, reducing net income and impacting overall financial performance.

Loan-to-Deposit Ratio Concerns

A high loan-to-deposit ratio indicates potential liquidity risks, challenging the bank's ability to fund future loan growth sustainably.

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, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential, commercial, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services. The company primarily offers its products and services to individuals, businesses, municipalities, and other entities. As of December 31, 2021, it operated 23 branches in the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

How the Company Makes Money

RBB Bancorp generates revenue primarily through interest income from loans and investments, which constitutes a significant portion of its earnings. The company offers various types of loans, including commercial loans, real estate loans, and consumer loans, allowing it to charge interest over the life of these products. Additionally, RBB earns non-interest income through fees associated with deposit accounts, treasury management services, and transaction-based services. The bank may also benefit from partnerships with local businesses and organizations, enhancing its customer base and facilitating cross-selling opportunities. Overall, RBB's revenue model is built on a combination of interest income from lending activities and fee-based income from its range of banking services.

Rbb Bancorp Financial Statement Overview

Summary

RBB Bancorp shows resilience in cash flow and operational efficiency. However, challenges in revenue growth and net income decline require strategic focus. The balance sheet remains stable, but attention to asset and liability management is crucial for sustaining long-term 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	234.77M	232.00M	236.13M	191.47M	165.81M	153.08M
Gross Profit	104.83M	104.84M	130.94M	155.11M	139.13M	106.97M
EBITDA	39.82M	44.93M	69.87M	102.36M	94.47M	55.28M
Net Income	23.01M	26.66M	42.47M	64.33M	56.91M	32.93M
Balance Sheet
Total Assets	4.09B	4.01B	4.03B	3.92B	4.23B	3.35B
Cash, Cash Equivalents and Short-Term Investments	440.48M	345.55M	508.11M	340.98M	870.23M	349.12M
Total Debt	342.28M	364.39M	315.28M	434.83M	360.79M	268.67M
Total Liabilities	3.57B	3.48B	3.51B	3.43B	3.76B	2.92B
Stockholders Equity	517.65M	507.88M	511.19M	484.49M	466.61M	428.42M
Cash Flow
Free Cash Flow	70.64M	57.71M	50.64M	91.75M	200.19M	120.31M
Operating Cash Flow	71.40M	58.49M	51.29M	93.81M	202.18M	124.51M
Investing Cash Flow	-303.59M	-160.39M	243.31M	-260.17M	-504.18M	-446.01M
Financing Cash Flow	171.27M	-71.74M	53.22M	-444.46M	801.72M	334.38M

Rbb Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 19.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Neutral. The current price of 19.26 is below the 20-day moving average (MA) of 19.87, above the 50-day MA of 19.09, and above the 200-day MA of 18.17, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 45.45 is Neutral, neither overbought nor oversold. The STOCH value of 45.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	$313.71M	11.42	9.73%	5.59%	8.59%	14.56%
RBB	73 Outperform	$338.46M	15.20	4.47%	3.26%	-0.13%	-32.16%
CZFS	72 Outperform	$307.81M	9.72	10.53%	3.06%	2.41%	15.34%
PDLB	70 Outperform	$358.34M	20.94	3.42%	―	17.80%	86.24%
BCML	70 Outperform	$329.57M	13.84	7.50%	2.87%	1.75%	2.76%
Sector *	68 Neutral	$18.10B	11.66	9.93%	3.76%	9.70%	1.14%
BRBS	51 Neutral	$375.87M	―	-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.