8-K Announcements
6Apr 20, 2026·SEC
Apr 6, 2026·SEC
Jan 27, 2026·SEC
RBB Bancorp (RBB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
RBB Bancorp (RBB) stock price & volume — 10-year historical chart
RBB Bancorp (RBB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
RBB Bancorp (RBB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.66vs $0.45+46.7% | $35Mvs $32M+7.3% |
| Q1 2026 | Feb 2, 2026 | $0.25vs $0.49-49.0% | $60M |
| Q1 2026 | Jan 26, 2026 | $0.59vs $0.49+20.4% | $32Mvs $33M-2.7% |
| Q4 2025 | Oct 20, 2025 | $0.59vs $0.41+43.9% | $33Mvs $33M-1.9% |
RBB Bancorp (RBB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
RBB Bancorp (RBB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RBB Bancorp (RBB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 55.68M | 59.69M | 77.82M | 95.78M | 104.18M | 123.47M | 148.62M | 118.16M | 98.05M | 107.44M |
| NII Growth % | 58.62% | 7.21% | 30.36% | 23.09% | 8.77% | 18.52% | 20.36% | -20.49% | -17.02% | 40.18% |
| Net Interest Margin % | 3.99% | 3.53% | 2.62% | 3.43% | 3.11% | 2.92% | 3.79% | 2.93% | 2.46% | 2.55% |
| Interest Income | 67.39M | 73.63M | 101.47M | 140.65M | 138.55M | 146.19M | 180.03M | 220.02M | 215.35M | 217.18M |
| Interest Expense | 11.71M | 13.94M | 23.65M | 44.86M | 34.37M | 22.72M | 31.42M | 101.86M | 117.3M | 109.74M |
| Loan Loss Provision | 4.8M | -1.14M | 3.08M | 2.25M | 11.74M | 3.96M | 4.93M | 3.36M | 9.86M | 15.76M |
| Non-Interest Income | 9.6M | 13.59M | 12.11M | 19.25M | 14.53M | 19.61M | 11.43M | 16.11M | 16.65M | 18.11M |
| Non-Interest Income % | 12.47% | 15.58% | 10.66% | 12.04% | 9.49% | 11.83% | 5.97% | 6.82% | 7.18% | 7.7% |
| Total Revenue | 76.99M▲ 0% | 87.22M▲ 13.3% | 113.57M▲ 30.2% | 159.9M▲ 40.8% | 153.08M▼ 4.3% | 165.81M▲ 8.3% | 191.47M▲ 15.5% | 236.13M▲ 23.3% | 232M▼ 1.8% | 235.28M▲ 0% |
| Revenue Growth % | 53.14% | 13.29% | 30.21% | 40.79% | -4.27% | 8.32% | 15.47% | 23.33% | -1.75% | -1.97% |
| Non-Interest Expense | 27.91M | 27.62M | 40.64M | 57.47M | 59.51M | 58.19M | 63.77M | 70.66M | 69.16M | 75.35M |
| Efficiency Ratio | 36.25% | 31.67% | 35.78% | 35.94% | 38.88% | 35.1% | 33.31% | 29.93% | 29.81% | 32.02% |
| Operating Income | 32.57M▲ 0% | 46.8M▲ 43.7% | 46.21M▼ 1.3% | 55.32M▲ 19.7% | 47.46M▼ 14.2% | 80.94M▲ 70.5% | 91.34M▲ 12.9% | 60.25M▼ 34.0% | 35.68M▼ 40.8% | 34.44M▲ 0% |
| Operating Margin % | 42.3% | 53.65% | 40.68% | 34.6% | 31% | 48.81% | 47.71% | 25.51% | 15.38% | 14.64% |
| Operating Income Growth % | 48.25% | 43.69% | -1.26% | 19.73% | -14.21% | 70.54% | 12.86% | -34.05% | -40.78% | - |
| Pretax Income | 32.57M▲ 0% | 46.8M▲ 43.7% | 46.21M▼ 1.3% | 55.32M▲ 19.7% | 47.46M▼ 14.2% | 80.94M▲ 70.5% | 91.34M▲ 12.9% | 60.25M▼ 34.0% | 35.68M▼ 40.8% | 34.44M▲ 0% |
| Pretax Margin % | 42.3% | 53.65% | 40.68% | 34.6% | 31% | 48.81% | 47.71% | 25.51% | 15.38% | 14.64% |
| Income Tax | 13.49M | 21.27M | 10.1M | 16.11M | 14.53M | 24.03M | 27.02M | 17.78M | 9.01M | 8.29M |
| Effective Tax Rate % | 41.42% | 45.45% | 21.86% | 29.12% | 30.62% | 29.69% | 29.58% | 29.51% | 25.26% | 24.06% |
| Net Income | 19.08M▲ 0% | 25.53M▲ 33.8% | 36.1M▲ 41.4% | 39.21M▲ 8.6% | 32.93M▼ 16.0% | 56.91M▲ 72.8% | 64.33M▲ 13.0% | 42.47M▼ 34.0% | 26.66M▼ 37.2% | 26.16M▲ 0% |
| Net Margin % | 24.78% | 29.27% | 31.79% | 24.52% | 21.51% | 34.32% | 33.6% | 17.98% | 11.49% | 11.12% |
| Net Income Growth % | 47.07% | 33.8% | 41.43% | 8.6% | -16.02% | 72.82% | 13.04% | -33.99% | -37.21% | -23.86% |
| Net Income (Continuing) | 19.08M | 25.53M | 36.1M | 39.21M | 32.93M | 56.91M | 64.33M | 42.47M | 26.66M | 26.16M |
| EPS (Diluted) | 1.39▲ 0% | 1.68▲ 20.9% | 2.03▲ 20.8% | 1.92▼ 5.4% | 1.65▼ 14.1% | 2.86▲ 73.3% | 3.33▲ 16.4% | 2.24▼ 32.7% | 1.47▼ 34.4% | 1.48▲ 0% |
| EPS Growth % | 44.79% | 20.86% | 20.83% | -5.42% | -14.06% | 73.33% | 16.43% | -32.73% | -34.38% | -19.46% |
| EPS (Basic) | 1.49 | 1.81 | 2.13 | 1.96 | 1.66 | 2.92 | 3.37 | 2.24 | 1.47 | - |
| Diluted Shares Outstanding | 13.7M | 15.24M | 17.97M | 20.39M | 19.92M | 19.83M | 19.33M | 18.98M | 18.18M | 17.62M |
RBB Bancorp (RBB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 113.83M | 135.6M | 222.05M | 241.43M | 349.12M | 870.23M | 340.98M | 508.11M | 345.55M | 2.21B |
| Cash & Due from Banks | 74.56M | 70.65M | 148.28M | 115.36M | 138.25M | 501.97M | 84.15M | 431.97M | 258.35M | 235.53M |
| Short Term Investments | 39.28M | 64.96M | 73.76M | 126.07M | 210.87M | 368.26M | 256.83M | 76.14M | 87.2M | 410.63M |
| Total Investments | 1.19B | 1.44B | 2.64B | 2.42B | 2.95B | 3.28B | 3.56B | 3.32B | 3.44B | 3.67B |
| Investments Growth % | 39.39% | 21.08% | 84.02% | -8.4% | 21.68% | 11.32% | 8.51% | -6.8% | 3.8% | 25.31% |
| Long-Term Investments | 1.15B | 1.37B | 2.57B | 2.29B | 2.73B | 2.91B | 3.3B | 3.24B | 3.35B | 12.9B |
| Accounts Receivables | 7.69M | 0 | 33.34M | 34.81M | 40.28M | 0 | 50.5M | 0 | 0 | 0 |
| Goodwill & Intangibles | 31.73M | 31.38M | 65.98M | 64.66M | 74.44M | 73.32M | 75.22M | 74.29M | 73.51M | 72.99M |
| Goodwill | 29.94M | 29.94M | 58.38M | 58.56M | 69.24M | 69.24M | 71.5M | 71.5M | 71.5M | 71.5M |
| Intangible Assets | 1.79M | 1.44M | 7.6M | 6.1M | 5.2M | 4.08M | 3.72M | 2.79M | 2.01M | 1.5M |
| PP&E (Net) | 6.58M | 6.58M | 17.31M | 16.81M | 27.1M | 49.65M | 52.46M | 55.49M | 52.65M | 48.16M |
| Other Assets | 77.77M | 139.98M | 61.76M | 133.73M | 122.02M | 319.01M | 81.83M | 131.23M | 136.48M | 163.58M |
| Total Current Assets | 121.53M | 135.88M | 255.39M | 276.25M | 389.69M | 870.71M | 391.48M | 509.35M | 355.86M | 646.16M |
| Total Non-Current Assets | 1.27B | 1.56B | 2.72B | 2.51B | 2.96B | 3.36B | 3.53B | 3.52B | 3.64B | 3.56B |
| Total Assets | 1.4B▲ 0% | 1.69B▲ 21.2% | 2.98B▲ 76.0% | 2.79B▼ 6.3% | 3.35B▲ 20.1% | 4.23B▲ 26.2% | 3.92B▼ 7.3% | 4.03B▲ 2.7% | 3.99B▼ 0.8% | 4.21B▲ 0% |
| Asset Growth % | 36.41% | 21.18% | 75.96% | -6.29% | 20.14% | 26.21% | -7.31% | 2.73% | -0.83% | 13.75% |
| Return on Assets (ROA) | 1.58% | 1.65% | 1.55% | 1.36% | 1.07% | 1.5% | 1.58% | 1.07% | 0.67% | 0.62% |
| Accounts Payable | 7.09M | 10.37M | 21.94M | 17.36M | 16.4M | 13.98M | 20.83M | 0 | 0 | 0 |
| Total Debt | 52.72M | 102.95M | 432.71M | 113.72M | 268.67M | 360.79M | 434.83M | 315.28M | 364.39M | 291.2M |
| Net Debt | -21.84M | 32.3M | 284.43M | -1.64M | 130.42M | -141.18M | 350.68M | -116.7M | 106.05M | 55.67M |
| Long-Term Debt | 52.72M | 77.95M | 432.71M | 113.72M | 268.67M | 337.51M | 408.31M | 284.08M | 334.69M | 135.13M |
| Short-Term Debt | 0 | 25M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 130M |
| Other Liabilities | 7.69M | -24.72M | 0 | 0 | 0 | 0 | 1.16M | 24.73M | 36.42M | 36.42M |
| Total Current Liabilities | 1.15B | 1.37B | 2.17B | 2.27B | 2.65B | 3.4B | 3B | 3.17B | 3.08B | 3.5B |
| Total Non-Current Liabilities | 60.41M | 53.23M | 432.71M | 113.72M | 268.67M | 360.79M | 435.99M | 340M | 400.81M | 197.62M |
| Total Liabilities | 1.21B | 1.43B | 2.6B | 2.38B | 2.92B | 3.76B | 3.43B | 3.51B | 3.48B | 3.69B |
| Total Equity | 181.59M▲ 0% | 265.18M▲ 46.0% | 375.11M▲ 41.5% | 407.57M▲ 8.7% | 428.49M▲ 5.1% | 466.68M▲ 8.9% | 484.56M▲ 3.8% | 511.26M▲ 5.5% | 507.88M▼ 0.7% | 514.34M▲ 0% |
| Equity Growth % | 10.96% | 46.03% | 41.46% | 8.65% | 5.13% | 8.91% | 3.83% | 5.51% | -0.66% | 0.77% |
| Equity / Assets (Capital Ratio) | 13.01% | 15.68% | 12.61% | 14.62% | 12.79% | 11.04% | 12.36% | 12.7% | 12.72% | 12.22% |
| Return on Equity (ROE) | 11.05% | 11.43% | 11.28% | 10.02% | 7.88% | 12.71% | 13.52% | 8.53% | 5.23% | 5.09% |
| Book Value per Share | 13.26 | 17.40 | 20.88 | 19.99 | 21.51 | 23.53 | 25.06 | 26.93 | 27.93 | 29.19 |
| Tangible BV per Share | 10.94 | 15.34 | 17.20 | 16.81 | 17.77 | 19.83 | 21.17 | 23.02 | 23.89 | 25.05 |
| Common Stock | 142.65M | 205.93M | 288.61M | 290.39M | 284.26M | 282.33M | 276.91M | 271.93M | 259.96M | 250.36M |
| Additional Paid-in Capital | 8.42M | 8.43M | 5.66M | 4.94M | 4.93M | 4.6M | 3.36M | 3.62M | 3.65M | 3.73M |
| Retained Earnings | 30.78M | 51.27M | 81.62M | 112.05M | 138.09M | 181.33M | 225.88M | 255.15M | 264.46M | 274.61M |
| Accumulated OCI | -267K | -443K | -1.34M | 239K | 1.13M | -1.66M | -21.66M | -19.51M | -20.26M | -14.44M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
RBB Bancorp (RBB) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 56.22M | 28.78M | -84.65M | 476.47M | 124.51M | 202.18M | 93.81M | 51.29M | 58.49M | 58.49M |
| Operating CF Growth % | 93.23% | -48.8% | -394.09% | 662.88% | -73.87% | 62.37% | -53.6% | -45.32% | 14.04% | 352.78% |
| Net Income | 19.08M | 25.53M | 36.1M | 39.21M | 32.93M | 56.91M | 64.33M | 42.47M | 26.66M | 26.16M |
| Depreciation & Amortization | 1.36M | 2.37M | 5.13M | 6.77M | 7.82M | 13.54M | 11.02M | 9.63M | 9.25M | 8.98M |
| Deferred Taxes | 1.29M | 5.4M | 261K | 2.4M | -2.02M | -56K | -1.2M | 1.34M | -1.58M | 949K |
| Other Non-Cash Items | 34.16M | -4.47M | -126.04M | 428.17M | 85.86M | 136.83M | 25.03M | 3.25M | 29.12M | 17.8M |
| Working Capital Changes | -560K | -824K | -797K | -775K | -767K | -6.13M | -6.22M | -6.14M | -6.32M | -6.58M |
| Cash from Investing | 7.2M | -264.45M | -322.39M | -219.35M | -446.01M | -504.18M | -260.17M | 243.31M | -160.39M | -342.74M |
| Purchase of Investments | -12.48M | -39.48M | -76.08M | -199.98M | -551.44M | -604.6M | -402.88M | -694.49M | -417.92M | -375.83M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -11.49M | -38.48M | -75.08M | -198.98M | -550.44M | -603.6M | -401.88M | -693.49M | -416.92M | -371.83M |
| Acquisitions | -35.05M | 0 | 25.07M | 0 | 6.63M | 0 | 71.35M | 0 | 0 | 0 |
| Other Investing | 45.46M | -229.73M | -377.49M | -167.29M | -364.39M | -340.55M | -412.87M | 296.21M | -57.83M | -239.58M |
| Cash from Financing | -58.6M | 267M | 404.68M | -223.04M | 334.38M | 801.72M | -444.46M | 53.22M | -71.74M | 179.26M |
| Dividends Paid | -2.55M | -5.12M | -5.75M | -8.03M | -6.57M | -9.95M | -10.74M | -12.16M | -11.72M | -11.37M |
| Share Repurchases | 0 | 0 | 0 | -3.19M | -7.85M | -10.54M | -19.82M | -6.8M | -20.68M | -14.21M |
| Stock Issued | 595K | 60.21M | 9.63M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 595K | 60.21M | 9.63M | -3.19M | -7.85M | -10.54M | -19.82M | -6.8M | -20.68M | -14.21M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -2M |
| Other Financing | -105.32M | 186.91M | 186.41M | 107.69M | 198.8M | 754.1M | -483.91M | 197.19M | -89.34M | 324.83M |
| Net Change in Cash | 4.82M▲ 0% | 31.34M▲ 549.8% | -2.36M▼ 107.5% | 34.08M▲ 1542.1% | 12.89M▼ 62.2% | 499.72M▲ 3776.5% | -610.82M▼ 222.2% | 347.82M▲ 156.9% | -173.63M▼ 149.9% | -114.46M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 113.89M | 118.71M | 150.05M | 147.69M | 181.76M | 194.65M | 694.37M | 83.55M | 431.37M | 191.85M |
| Cash at End | 118.71M | 150.05M | 147.69M | 181.76M | 194.65M | 694.37M | 83.55M | 431.37M | 257.75M | 234.93M |
| Interest Paid | 12.34M | 13.85M | 19.99M | 45.7M | 36.19M | 22.51M | 29.73M | 93.72M | 120.92M | 106.94M |
| Income Taxes Paid | 12.52M | 16.93M | 9.34M | 14.47M | 13.47M | 25.79M | 24.02M | 21.39M | 6.22M | 332K |
| Free Cash Flow | 56.01M▲ 0% | 28.1M▼ 49.8% | -87.14M▼ 410.1% | 475.12M▲ 645.3% | 120.31M▼ 74.7% | 200.19M▲ 66.4% | 91.75M▼ 54.2% | 50.64M▼ 44.8% | 57.71M▲ 14.0% | 48.15M▲ 0% |
| FCF Growth % | 95.65% | -49.83% | -410.1% | 645.26% | -74.68% | 66.39% | -54.17% | -44.8% | 13.96% | 52.28% |
RBB Bancorp (RBB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.05% | 11.43% | 11.28% | 10.02% | 7.88% | 12.71% | 13.52% | 8.53% | 5.23% | 5.09% |
| Return on Assets (ROA) | 1.58% | 1.65% | 1.55% | 1.36% | 1.07% | 1.5% | 1.58% | 1.07% | 0.67% | 0.62% |
| Net Interest Margin | 3.99% | 3.53% | 2.62% | 3.43% | 3.11% | 2.92% | 3.79% | 2.93% | 2.46% | 2.55% |
| Efficiency Ratio | 36.25% | 31.67% | 35.78% | 35.94% | 38.88% | 35.1% | 33.31% | 29.93% | 29.81% | 32.02% |
| Equity / Assets | 13.01% | 15.68% | 12.61% | 14.62% | 12.79% | 11.04% | 12.36% | 12.7% | 12.72% | 12.22% |
| Book Value / Share | 13.26 | 17.4 | 20.88 | 19.99 | 21.51 | 23.53 | 25.06 | 26.93 | 27.93 | 29.19 |
| NII Growth | 58.62% | 7.21% | 30.36% | 23.09% | 8.77% | 18.52% | 20.36% | -20.49% | -17.02% | 9.9% |
| Dividend Payout | 13.39% | 20.05% | 15.93% | 20.49% | 19.94% | 17.48% | 16.69% | 28.64% | 43.95% | 43.45% |
RBB Bancorp (RBB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 20, 2026·SEC
Apr 6, 2026·SEC
Jan 27, 2026·SEC
RBB Bancorp (RBB) stock FAQ — growth, dividends, profitability & financials explained
RBB Bancorp (RBB) saw revenue decline by 1.8% over the past year.
Yes, RBB Bancorp (RBB) is profitable, generating $26.2M in net income for fiscal year 2024 (11.5% net margin).
Yes, RBB Bancorp (RBB) pays a dividend with a yield of 2.65%. This makes it attractive for income-focused investors.
RBB Bancorp (RBB) has a return on equity (ROE) of 5.2%. This is below average, suggesting room for improvement.
RBB Bancorp (RBB) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
RBB Bancorp (RBB) has an efficiency ratio of 29.8%. This is excellent, indicating strong cost control.
RBB Bancorp (RBB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates