RBB Bancorp (RBB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
RBB Bancorp, founded in 2008 and headquartered in Los Angeles, California, functions as the parent entity for Royal Business Bank. The bank specializes in offering a comprehensive suite of financial products and banking services primarily to the Chinese-American, Korean-American, and other Asian-American populations. Its deposit offerings include checking, savings, and money market accounts, along with certificates of deposit.
Analysis Summary
RBB Bancorp reported revenue of $238.0M in the most recent fiscal year, growing at a 5-year CAGR of 9.2%. Net income reached $31.9M, with a -0.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 54.4%, operating margin 23.1%, net margin 17.3%. Free cash flow grew at -18.8% CAGR over 5 years.
At the current price of $26.68, RBB trades at a P/E of 10.92 and an ROE of 7.94%. Market capitalisation stands at $452M.
Balance sheet quality for RBB: current ratio of 0.1, net cash position of $119.4M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $42.6M represents 133% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $26.68 |
| Market Cap | $452M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.92 |
| Price / Book | 0.85 |
| EV / EBITDA | 11.92 |
| Dividend Yield | 2.40% |
Profitability
| Return on Equity | 7.94% |
| Return on Invested Capital | 0.98% |
| Return on Assets | 0.98% |
| Gross Margin | 54.45% |
| Operating Margin | 23.06% |
| Net Margin | 17.26% |
Financial Health
| Debt / Equity | 0.60 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 8 |
| Altman Z-Score | -0.59 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| RBB | RBB Bancorp | $451M | 10.92 | 0.85 | 7.9% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -2.09% |
| 3 months | +4.71% |
| Year-to-date | +29.26% |
| 1 year | +40.64% |
| 3 years | +105.86% |
52-Week Range
| 52-week High | $28.24 |
| 52-week Low | $16.74 |
| Avg Volume (90d) | 159K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-07-31 | $0.1600 | 2.40% |
| 2026-04-30 | $0.1600 | 2.40% |
| 2026-01-30 | $0.1600 | 2.40% |
| 2025-10-31 | $0.1600 | 2.40% |
| 2025-07-31 | $0.1600 | 2.40% |
| 2025-04-30 | $0.1600 | 2.40% |
| 2025-01-31 | $0.1600 | 2.40% |
| 2024-10-31 | $0.1600 | 2.40% |
| 2024-07-31 | $0.1600 | 2.40% |
| 2024-04-30 | $0.1600 | 2.40% |
Related companies: BCML · BWFG · CZNC · FMAO · MVBF · OBT · PBFS
Explore sector: Financial Services · Banks - Regional
More sections of RBB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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