Estados financieros detallados de RBB Bancorp (RBB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
RBB Bancorp registró ingresos de $238.0M en el último ejercicio fiscal, con un CAGR de 5 años del 9.2%. El beneficio neto alcanzó $31.9M, con un CAGR a 5 años del -0.6%.
Márgenes de los últimos 12 meses: margen bruto 54.4%, margen operativo 23.1%, margen neto 17.3%. El flujo de caja libre creció a un CAGR del -18.8% en 5 años.
Al precio actual de $26.64, RBB cotiza a un P/E de 10.92 y un ROE del 7.94%. La capitalización bursátil es de $451M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $77.0M | $87.2M | $113.6M | $159.9M | $153.1M | $165.8M | $191.5M | $236.1M | $232.0M | $238.0M |
| Coste de Ventas | $16.5M | $12.8M | $26.7M | $47.1M | $46.1M | $26.7M | $36.4M | $105.2M | $127.2M | $119.2M |
| Beneficio Bruto | $60.5M | $74.4M | $86.8M | $112.8M | $107.0M | $139.1M | $155.1M | $130.9M | $104.8M | $118.8M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $17.8M | $21.1M | $29.1M | $41.6M | $36.4M | $37.4M | $40.0M | $43.0M | $44.3M | $46.6M |
| Gastos Operativos | $27.9M | $27.6M | $40.6M | $57.5M | $59.5M | $58.2M | $63.8M | $70.7M | $69.2M | $76.7M |
| Beneficio Operativo | $32.6M | $46.8M | $46.2M | $55.3M | $47.5M | $80.9M | $91.3M | $60.2M | $35.7M | $42.1M |
| EBITDA | $33.9M | $49.2M | $51.3M | $62.1M | $55.3M | $94.5M | $102.4M | $69.9M | $44.9M | $48.8M |
| Gastos por Intereses | $11.7M | $13.9M | $23.6M | $44.9M | $34.4M | $22.7M | $31.4M | $101.9M | $117.3M | $108.8M |
| Beneficio Antes de Impuestos | $32.6M | $46.8M | $46.2M | $55.3M | $47.5M | $80.9M | $91.3M | $60.2M | $35.7M | $42.1M |
| Impuestos | $13.5M | $21.3M | $10.1M | $16.1M | $14.5M | $24.0M | $27.0M | $17.8M | $9.0M | $10.2M |
| Beneficio Neto | $19.1M | $25.5M | $36.1M | $39.2M | $32.9M | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| BPA | $1.49 | $1.81 | $2.13 | $1.96 | $1.66 | $2.92 | $3.37 | $2.24 | $1.47 | $1.84 |
| BPA Diluido | $1.39 | $1.68 | $2.03 | $1.92 | $1.65 | $2.86 | $3.33 | $2.24 | $1.47 | $1.83 |
| Acciones en Circulación (Diluidas) | $13.7M | $15.2M | $18.0M | $20.4M | $19.9M | $19.8M | $19.3M | $19.0M | $18.2M | $17.1M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $60.7M | $60.0M | $61.1M | $60.2M |
| Beneficio Bruto | $31.9M | $31.7M | $35.0M | $33.1M |
| Beneficio Operativo | $13.3M | $12.8M | $15.7M | $14.1M |
| EBITDA | $15.5M | $14.9M | $17.9M | $14.1M |
| Beneficio Neto | $10.1M | $10.2M | $11.3M | $10.1M |
| BPA | $0.58 | $0.60 | $0.66 | $0.60 |
| BPA Diluido | $0.59 | $0.59 | $0.66 | $0.59 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $74.6M | $70.6M | $148.3M | $115.4M | $138.3M | $502.0M | $84.1M | $432.0M | $258.3M | $27.1M |
| Inversiones a Corto | $39.3M | $65.0M | $73.8M | $126.1M | $210.9M | $368.3M | $256.8M | $76.1M | $87.2M | $407.2M |
| Cuentas por Cobrar | $7.7M | $272000 | $33.3M | $34.8M | $40.3M | $477000 | $50.5M | $1.2M | $10.3M | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $121.5M | $135.9M | $255.4M | $276.2M | $389.7M | $870.7M | $391.5M | $509.3M | $355.9M | $434.3M |
| Inmovilizado Material | $6.6M | $6.6M | $17.3M | $16.8M | $27.1M | $49.7M | $52.5M | $55.5M | $52.6M | $71.4M |
| Fondo de Comercio | $29.9M | $29.9M | $58.4M | $58.6M | $69.2M | $69.2M | $71.5M | $71.5M | $71.5M | $71.5M |
| Activos Intangibles | $1.8M | $1.4M | $7.6M | $6.1M | $5.2M | $4.1M | $3.7M | $2.8M | $2.0M | $1.3M |
| Activos Totales | $1.40B | $1.69B | $2.98B | $2.79B | $3.35B | $4.23B | $3.92B | $4.03B | $3.99B | $4.21B |
| Cuentas por Pagar | $7.1M | $10.4M | $21.9M | $17.4M | $16.4M | $14.0M | $20.8M | 0 | 0 | 0 |
| Deuda a Corto | 0 | $25.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $1.15B | $1.37B | $2.17B | $2.27B | $2.65B | $3.40B | $3.00B | $3.17B | $3.08B | $3.35B |
| Deuda a Largo | $52.7M | $78.0M | $432.7M | $113.7M | $268.7M | $337.5M | $408.3M | $284.1M | $334.7M | $290.1M |
| Pasivos Totales | $1.21B | $1.43B | $2.60B | $2.38B | $2.92B | $3.76B | $3.43B | $3.51B | $3.48B | $3.68B |
| Reservas | $30.8M | $51.3M | $81.6M | $112.0M | $138.1M | $181.3M | $225.9M | $255.2M | $264.5M | $282.0M |
| Patrimonio Neto | $181.6M | $265.2M | $375.0M | $407.5M | $428.4M | $466.6M | $484.5M | $511.2M | $507.8M | $523.4M |
| Deuda Total | $52.7M | $103.0M | $432.7M | $113.7M | $268.7M | $360.8M | $434.8M | $315.3M | $364.4M | $314.9M |
| Deuda Neta | -$61.1M | -$32.7M | $210.7M | -$127.7M | -$80.4M | -$509.4M | $93.8M | -$192.8M | $18.8M | -$119.4M |
| Capital Circulante | -$1.03B | -$1.24B | -$1.91B | -$1.99B | -$2.26B | -$2.53B | -$2.61B | -$2.67B | -$2.73B | -$2.92B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $235.5M | $27.1M | $196.9M | $25.4M |
| Activos Totales | $4.21B | $4.21B | $4.19B | $4.28B |
| Pasivos Totales | $3.69B | $3.68B | $3.66B | $3.74B |
| Patrimonio Neto | $514.3M | $523.4M | $531.0M | $535.2M |
| Deuda Total | $291.2M | $314.9M | $289.8M | $319.3M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $19.1M | $25.5M | $36.1M | $39.2M | $32.9M | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| Amortizaciones | $1.4M | $2.4M | $5.1M | $6.8M | $7.8M | $13.5M | $11.0M | $9.6M | $9.3M | $8.8M |
| Compensación en Acciones | $894000 | $779000 | $684000 | $689000 | $686000 | $1.1M | $848000 | $750000 | $1.4M | $1.7M |
| Cambio en Capital Circulante | -$560000 | -$824000 | -$797000 | -$775000 | -$767000 | -$6.1M | -$6.2M | -$6.1M | -$6.3M | -$6.7M |
| Flujo de Caja Operativo | $56.2M | $28.8M | -$84.6M | $476.5M | $124.5M | $202.2M | $93.8M | $51.3M | $58.5M | $43.4M |
| Inversiones (CapEx) | -$210000 | -$684000 | -$2.5M | -$1.4M | -$4.2M | -$2.0M | -$2.1M | -$652000 | -$788000 | -$798000 |
| Adquisiciones | -$35.1M | 0 | $25.1M | 0 | $6.6M | 0 | $71.4M | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | -$3.2M | -$7.9M | -$10.5M | -$19.8M | -$6.8M | -$20.7M | -$14.2M |
| Dividendos Pagados | -$2.6M | -$5.1M | -$5.8M | -$8.0M | -$6.6M | -$9.9M | -$10.7M | -$12.2M | -$11.7M | -$11.3M |
| Flujo de Caja Libre | $56.0M | $28.1M | -$87.1M | $475.1M | $120.3M | $200.2M | $91.7M | $50.6M | $57.7M | $42.6M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $2.1M | $11.8M | $19.4M | $22.3M |
| Inversiones (CapEx) | -$363000 | -$157000 | 0 | 0 |
| Flujo de Caja Libre | $1.8M | $11.7M | $19.4M | $22.3M |
| Dividendos Pagados | -$2.8M | -$2.8M | -$2.8M | -$2.8M |
| Compensación en Acciones | $270000 | $293000 | $277000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +13.3% | +30.2% | +40.8% | -4.3% | +8.3% | +15.5% | +23.3% | -1.8% | +2.6% |
| Crecimiento Beneficio Neto (anual) | | +33.8% | +41.4% | +8.6% | -16.0% | +72.8% | +13.0% | -34.0% | -37.2% | +19.8% |
| Crecimiento BPA (anual) | | +21.5% | +17.7% | -8.0% | -15.3% | +75.9% | +15.4% | -33.5% | -34.4% | +25.2% |
| Cambio en Acciones (anual) | | +11.3% | +17.9% | +13.5% | -2.3% | -0.4% | -2.5% | -1.8% | -4.2% | -5.7% |
| Crecimiento FCF (anual) | | -49.8% | -410.1% | +645.3% | -74.7% | +66.4% | -54.2% | -44.8% | +14.0% | -26.2% |
| Margen Bruto | 78.6% | 85.3% | 76.5% | 70.5% | 69.9% | 83.9% | 81.0% | 55.4% | 45.2% | 49.9% |
| Margen Operativo | 42.3% | 53.7% | 40.7% | 34.6% | 31.0% | 48.8% | 47.7% | 25.5% | 15.4% | 17.7% |
| Margen EBITDA | 44.1% | 56.4% | 45.2% | 38.8% | 36.1% | 57.0% | 53.5% | 29.6% | 19.4% | 20.5% |
| Margen Neto | 24.8% | 29.3% | 31.8% | 24.5% | 21.5% | 34.3% | 33.6% | 18.0% | 11.5% | 13.4% |
| Margen FCF | 72.8% | 32.2% | -76.7% | 297.1% | 78.6% | 120.7% | 47.9% | 21.4% | 24.9% | 17.9% |
| Tasa Impositiva Efectiva | 41.4% | 45.4% | 21.9% | 29.1% | 30.6% | 29.7% | 29.6% | 29.5% | 25.3% | 24.2% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $4.09 | $1.84 | $-4.85 | $23.30 | $6.04 | $10.09 | $4.75 | $2.67 | $3.17 | $2.48 |
| Dividendo por Acción | $0.19 | $0.34 | $0.32 | $0.39 | $0.33 | $0.50 | $0.56 | $0.64 | $0.64 | $0.66 |
| Acciones en Circulación (Básicas) | $12.8M | $14.1M | $17.2M | $20.0M | $19.8M | $19.4M | $19.1M | $19.0M | $18.1M | $17.0M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 7.94% |
| Rentabilidad sobre capital invertido | 0.98% |
| Rentabilidad sobre activos | 0.98% |
| Margen bruto | 54.45% |
| Margen operativo | 23.06% |
| Margen neto | 17.26% |
Salud financiera
| Deuda / Patrimonio | 0.60 |
| Ratio corriente | 0.00 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.59 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 15.67 | 15.12 | 8.25 | 10.80 | 9.27 | 8.97 | 6.19 | 8.50 | 13.94 | 11.22 |
| P/VC | 1.65 | 1.45 | 0.80 | 1.04 | 0.71 | 1.09 | 0.82 | 0.71 | 0.73 | 0.67 |
| P/V | 3.88 | 4.42 | 2.65 | 2.65 | 1.99 | 3.07 | 2.08 | 1.53 | 1.60 | 1.48 |
| Margen Bruto | 78.6% | 85.3% | 76.5% | 70.5% | 69.9% | 83.9% | 81.0% | 55.4% | 45.2% | 49.9% |
| Margen Operativo | 42.3% | 53.7% | 40.7% | 34.6% | 31.0% | 48.8% | 47.7% | 25.5% | 15.4% | 17.7% |
| Margen Neto | 24.8% | 29.3% | 31.8% | 24.5% | 21.5% | 34.3% | 33.6% | 18.0% | 11.5% | 13.4% |