Rbb Bancorp (RBB) AI Stock Analysis

• Market Cap: $362.93M
• Dividend Yield: 2.98%
• Average Volume (3M): 56.46K
• Price to Earnings (P/E): 14.3
• Beta (1Y): 0.82
• Revenue Growth: -0.70%
• EPS Growth: -19.65%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.59
• Shares Outstanding: 17,046,898
• 10 Day Avg. Volume: 71,151
• 30 Day Avg. Volume: 56,461
• 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: 1.63
• Enterprise Value/Revenue: 2.51
• Enterprise Value/Gross Profit: 5.39
• Enterprise Value/Ebitda: 13.63
• 1Y Price Target: $21.50
• Price Target Upside: 0.99% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.37
• Revenue Forecast (FY): $123.06M

• Rating: 70 Outperform
• Price Target: $23.50 ▲(10.38% Upside)

RBB Bancorp's overall stock score is driven by strong technical indicators and a fair valuation, despite mixed financial performance. The stock shows bullish momentum, but potential overbought conditions warrant caution. The company's commitment to shareholder returns and improved financial health are positive factors.

Positive Factors

Net Income Growth

The increase in net income indicates improved profitability and operational efficiency, which can enhance long-term financial stability and shareholder value.

Low Leverage

A low leverage ratio suggests financial stability and flexibility, allowing the company to invest in growth opportunities without significant debt constraints.

Net Interest Margin Improvement

Improved net interest margin enhances profitability from core banking operations, supporting sustainable earnings growth over the long term.

Negative Factors

Declining Revenue Growth

Decreasing revenue growth can limit the company's ability to expand and compete, potentially impacting long-term profitability and market position.

Declining Free Cash Flow Growth

A decline in free cash flow growth may hinder the company's ability to fund new projects and return capital to shareholders, affecting long-term financial health.

Decreased Return on Equity

Lower return on equity indicates reduced efficiency in generating profits from shareholders' equity, which can impact investor confidence and capital allocation.

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, alongside non-interest income from fees associated with its banking services. The company’s main revenue streams include interest earned on commercial and consumer loans, which typically constitute the largest portion of its income. Additionally, RBB earns fees from deposit accounts, transaction services, and various banking solutions provided to its customers. The bank's focus on the Asian-American market and its personalized service approach help build strong relationships, leading to customer loyalty and repeat business. Strategic partnerships with local businesses and community organizations also enhance its visibility and customer base, contributing to its overall earnings.

Rbb Bancorp Financial Statement Overview

Summary

Rbb Bancorp demonstrates a mixed financial performance. The income statement shows decent profitability but declining revenue growth. The balance sheet is strong with low leverage, but return metrics need improvement. Cash flow analysis reveals strong cash conversion but declining free cash flow growth. The company needs to address revenue growth and cash flow generation to enhance its financial health.

Income Statement

Rbb Bancorp's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth at -5.77%, which is concerning. However, the company maintains a healthy net profit margin of 11.82% and an EBIT margin of 15.57%. The gross profit margin has decreased significantly from previous years, indicating pressure on profitability. Overall, while profitability metrics remain decent, the declining revenue trend poses a risk.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.03 in the TTM period, indicating low leverage. However, the return on equity has decreased to 1.88%, suggesting reduced efficiency in generating returns from equity. The equity ratio remains strong, indicating a solid capital structure. The company appears financially stable but needs to improve its return metrics.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth at -30.93% in the TTM period, which is a concern. The free cash flow to net income ratio remains high at 98.92%, indicating good cash conversion. However, the operating cash flow to net income ratio is low, suggesting potential issues in cash generation from operations. Overall, while cash conversion is strong, the decline in free cash flow growth is a risk factor.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	235.28M	232.00M	236.13M	191.47M	165.81M	153.08M
Gross Profit	109.79M	104.84M	130.91M	155.11M	139.13M	106.97M
EBITDA	43.42M	44.93M	69.87M	102.36M	94.47M	55.28M
Net Income	26.16M	26.66M	42.47M	64.33M	56.91M	32.93M
Balance Sheet
Total Assets	4.21B	3.99B	4.03B	3.92B	4.23B	3.35B
Cash, Cash Equivalents and Short-Term Investments	646.16M	345.55M	508.11M	340.98M	870.23M	349.12M
Total Debt	291.20M	364.39M	315.28M	434.83M	360.79M	268.67M
Total Liabilities	3.69B	3.48B	3.51B	3.43B	3.76B	2.92B
Stockholders Equity	514.26M	507.81M	511.19M	484.49M	466.61M	428.42M
Cash Flow
Free Cash Flow	48.15M	57.71M	50.64M	91.75M	200.19M	120.31M
Operating Cash Flow	49.02M	58.49M	51.29M	93.81M	202.18M	124.51M
Investing Cash Flow	-342.74M	-160.39M	243.31M	-260.17M	-504.18M	-446.01M
Financing Cash Flow	179.26M	-71.74M	53.22M	-444.46M	801.72M	334.38M

Rbb Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 21.29 is below the 20-day moving average (MA) of 21.38, above the 50-day MA of 19.85, and above the 200-day MA of 18.01, indicating a neutral trend. The MACD of 0.56 indicates Positive momentum. The RSI at 54.79 is Neutral, neither overbought nor oversold. The STOCH value of 13.19 is Positive, 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
OBT	80 Outperform	$384.03M	9.50	15.69%	2.00%	8.90%	18.23%
CZNC	77 Outperform	$367.79M	11.81	9.42%	5.43%	5.76%	21.85%
BCML	76 Outperform	$325.73M	14.24	7.07%	2.91%	1.25%	-0.07%
MVBF	73 Outperform	$330.34M	10.69	10.19%	2.61%	-14.00%	73.85%
PBFS	73 Outperform	$346.61M	16.79	6.79%	―	28.90%	31.84%
RBB	70 Outperform	$362.93M	14.33	5.11%	2.98%	-0.70%	-19.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Rbb Bancorp Corporate Events

RBB Bancorp Reports Strong Q3 2025 Financial Results

RBB Bancorp reported an 8.7% increase in net income to $10.1 million for the third quarter of 2025, driven by core earnings growth and lower credit costs. The company declared a cash dividend of $0.16 per share, reflecting its strong financial performance and commitment to shareholder returns. The quarter saw a decrease in nonperforming assets and an increase in net interest margin, indicating improved financial health and operational efficiency. The effective tax rate decreased due to changes in California tax law, further boosting net income.