RBB Bancorp RBB R2K

Financial Services · Banks - Regional · United States

https://www.royalbusinessbankusa.com

RBB Bancorp operates as the bank holding company for Royal Business Bank that provides business-banking and consumer products and services to Asian-centric communities in the United States. The company offers deposit products, including checking, savings, money market, and time deposits; retail deposits; brokered deposits, collateralized deposits, and deposits acquired through internet listing services; and certificates of deposit. It also provides lending products, such as single-family residential, commercial real estate, construction and land development, commercial and industrial, and small business administration loans. In addition, the company offers remote deposit, E-banking, mobile banking, and treasury management services. It operates branches in Los Angeles County, California; Orange County, California; Ventura County, California; Honolulu, Hawaii. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

Market & Price

Market Cap

$405.11M

Current Price

$23.92

High / Low (52W)

$24.30 / $15.52

Beta

1.06

Valuation

Stock P/E

10.14

Industry PE

12.01

Forward P/E

9.78

PEG Ratio

Book Value

$31.10

Price to Book

0.77

P/S

3.19

EV/EBITDA

Dividend Yield

2.67%

Profitability & Returns

ROCE

ROE

7.87%

ROA

1.00%

Profit Margin

32.29%

Op Margin

47.05%

EPS (Latest Qtr)

$0.66

EPS (TTM)

$2.36

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$289.81M

Total Assets

$4.21B

Current Assets

Working Capital

Ownership

Promoter Holding

6.44%

Chg in Prom Hold

FII / Inst Holding

56.67%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$497.48M

Total Revenue (TTM)

$126.84M

EBITDA

Free Cash Flow

Operating Cash Flow

$55.05M

Shares Outstanding

16.94M

Gross Margin

0.00%

Payout Ratio

27.12%

Growth (CAGR)

Revenue 5Y

-6.90%

Profit 5Y

-20.81%

Revenue (YoY)

61.00%

Earnings (YoY)

410.90%

PROS

Excellent profit margin of 32.3%.
Attractive dividend yield of 2.67%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -6.9% CAGR over 5 years.
Earnings shrank at -20.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RBB RBB Bancorp R2K	23.92	10.14	$405.11M	2.67%	-	7.87%	-6.90%	-20.81%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	421.00K	413.00K	617.00K	-	787.00K	1.19M	894.00K	-	1.05M	1.03M	1.07M	-	1.45M	1.29M	3.04M	-	1.16M	2.06M	1.21M	1.20M	1.43M	1.48M	1.22M	1.34M	1.58M	1.27M	-	28.46M	35.81M	32.57M	32.31M	34.75M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	26.17M	26.87M	28.11M	27.68M	26.30M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.19M	12.93M	13.26M	12.75M	15.70M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	900.00K	3.60M	3.11M	2.57M	4.40M
Net Income	5.16M	5.70M	5.49M	8.54M	6.61M	4.89M	8.85M	9.44M	8.33M	9.49M	10.38M	10.14M	8.01M	10.68M	6.75M	6.51M	8.52M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.29M	9.33M	10.15M	10.18M	11.30M
Diluted EPS	0.38	0.42	0.40	0.62	0.42	0.24	0.52	0.54	0.48	0.47	0.51	0.50	0.39	0.52	0.33	0.33	0.43	0.56	0.63	0.67	0.77	0.79	0.74	0.80	0.87	0.58	0.58	0.45	0.64	0.43	0.39	0.39	-	0.13	0.52	0.59	0.59	0.66

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	1.95M	2.55M	3.81M	4.48M	-	160.05M	134.30M	114.70M	129.16M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	31.42M	101.86M	117.30M	108.84M
Pretax Income	-	-	-	-	-	-	-	91.34M	60.25M	35.68M	42.13M
Tax Provision	-	-	-	-	-	-	-	27.02M	17.78M	9.01M	10.19M
Net Income	12.97M	19.08M	25.53M	36.10M	39.21M	-	-	64.33M	42.47M	26.66M	31.95M
Diluted EPS	0.96	1.39	1.68	2.01	1.92	1.65	-	3.33	2.24	1.47	1.83

Compounded Sales Growth

5 Years:	-6.90%
1 Year:	61.00%

Compounded Profit Growth

5 Years:	-20.81%
1 Year:	410.90%

Stock Price Performance

1 Year:	+45.41%
6 Months:	+21.66%
3 Months:	+12.01%
1 Month:	+0.89%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.40B	1.69B	2.97B	2.79B	3.35B	-	3.92B	4.03B	3.99B	4.21B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	181.76M	194.65M	-	84.15M	431.97M	258.35M	212.92M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	43.51M	50.50M	-	-	-
Total Liabilities	-	-	1.21B	1.43B	2.60B	2.38B	2.92B	-	3.43B	3.51B	3.48B	3.68B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	49.38M	49.53M	103.71M	104.05M	104.39M	-	408.31M	284.08M	334.69M	265.29M
Total Debt	-	-	-	-	-	-	-	-	434.83M	315.28M	364.39M	290.09M
Total Equity	151.98M	163.65M	181.59M	265.18M	-	-	-	-	484.49M	511.19M	507.81M	523.34M
Shares Outstanding	-	-	-	-	-	-	-	-	18.97M	18.61M	17.72M	17.06M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	56.22M	28.78M	-84.65M	476.47M	124.51M	-	93.81M	51.29M	58.49M	43.39M
Investing Cash Flow	-	7.20M	-264.45M	-322.39M	-219.35M	-446.01M	-	-260.17M	243.31M	-160.39M	-260.18M
Financing Cash Flow	-	-58.60M	267.00M	404.68M	-223.04M	334.38M	-	-444.46M	53.22M	-71.74M	171.36M
Capital Expenditure	-468.00K	-210.00K	-684.00K	-2.49M	-1.35M	-4.21M	-	-2.06M	-652.00K	-788.00K	-798.00K
Free Cash Flow	-	56.01M	28.10M	-87.14M	475.12M	120.31M	-	91.75M	50.64M	57.71M	42.59M
Net Change in Cash	-	-	-	-	-	-	-	-610.82M	347.82M	-173.63M	-45.43M
Share Buybacks	-	-	-	0	3.19M	7.85M	10.54M	19.82M	6.80M	20.68M	13.98M
Dividends Paid	3.11M	2.55M	5.12M	5.75M	8.03M	6.57M	9.95M	10.74M	12.16M	11.72M	11.26M

Ratios (Annual)

Figures in %.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	1,307.8%	1,417.6%	1,028.3%	-	-	40.2%	31.6%	23.2%	24.7%
ROE %	7.9%	10.5%	9.6%	-	-	-	-	13.3%	8.3%	5.3%	6.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.44%

Institutions

56.67%

Public Float

60.58%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	FJ Capital Management LLC	8.92%	1.51M	$36.15M
2	Blackrock Inc.	6.74%	1.14M	$27.30M
3	Dimensional Fund Advisors LP	4.90%	830.21K	$19.86M
4	Vanguard Capital Management LLC	3.90%	660.02K	$15.79M
5	American Century Companies Inc	2.76%	467.68K	$11.19M
6	Alliancebernstein L.P.	2.26%	382.32K	$9.15M
7	Geode Capital Management, LLC	2.05%	347.33K	$8.31M
8	Rhino Investment Partners, Inc.	2.00%	338.81K	$8.10M
9	State Street Corporation	1.92%	324.82K	$7.77M
10	Hillsdale Investment Management Inc.	1.31%	221.40K	$5.30M

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RBB · Financial Services

RBB Bancorp

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	369
Website	https://www.royalbusinessbankusa.com

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RBB Bancorp RBB R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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