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RBB logoRBB Bancorp(RBB)Earnings, Financials & Key Ratios

RBB•NASDAQ•Banking & Credit
$24.30
$414M mkt cap·16.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutRBB 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.Show more
  • Net Interest Income$98M-17.0%
  • Total Revenue$232M-1.8%
  • Net Income$27M-37.2%
  • Return on Equity5.23%-38.6%
  • Net Interest Margin2.46%-16.3%
  • Efficiency Ratio29.81%-0.4%
  • ROA0.67%-37.8%
  • Equity / Assets12.72%+0.2%
  • Book Value per Share27.93+3.7%
  • Tangible BV/Share23.89+3.8%
  • Debt/Equity0.72+16.3%
Technical→

RBB Key Insights

RBB Bancorp (RBB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 29.8% efficiency ratio
  • ✓Well capitalized: 12.7% equity/assets
  • ✓Healthy dividend yield of 2.7%
  • ✓Share count reduced 4.2% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

RBB Price & Volume

RBB Bancorp (RBB) stock price & volume — 10-year historical chart

Loading chart...

RBB Growth Metrics

RBB Bancorp (RBB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18.24%
5 Years7.73%
3 Years11.85%
TTM-

Profit CAGR

10 Years9.84%
5 Years-7.42%
3 Years-22.33%
TTM-23.86%

EPS CAGR

10 Years8.34%
5 Years-5.2%
3 Years-19.9%
TTM-19.46%

Return on Capital

10 Years9.28%
5 Years7.93%
3 Years7.1%
Last Year4.05%

RBB Recent Earnings

RBB Bancorp (RBB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 20, 2026
EPS
$0.66
Est $0.45
+46.7%
Revenue
$35M
Est $32M
+7.3%
Q1 2026
Feb 2, 2026
EPS
$0.25
Est $0.49
-49.0%
Revenue
$60M
Q1 2026
Jan 26, 2026
EPS
$0.59
Est $0.49
+20.4%
Revenue
$32M
Est $33M
-2.7%
Q4 2025
Oct 20, 2025
EPS
$0.59
Est $0.41
+43.9%
Revenue
$33M
Est $33M
-1.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.66vs $0.45+46.7%
$35Mvs $32M+7.3%
Q1 2026Feb 2, 2026
$0.25vs $0.49-49.0%
$60M
Q1 2026Jan 26, 2026
$0.59vs $0.49+20.4%
$32Mvs $33M-2.7%
Q4 2025Oct 20, 2025
$0.59vs $0.41+43.9%
$33Mvs $33M-1.9%
Based on last 12 quarters of dataView full earnings history →

RBB Peer Comparison

RBB Bancorp (RBB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HAFC logoHAFCHanmi Financial CorporationDirect Competitor909.33M30.4212.123.55%9.85%0.35
EWBC logoEWBCEast West Bancorp, Inc.Direct Competitor17.23B125.2213.154.63%15.77%0.36
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.62B12.6327.46-3.23%2.62%0.17
PFBC logoPFBCPreferred BankDirect Competitor1.17B96.089.23-4.11%17.29%0.49
BCAL logoBCALSouthern California BancorpDirect Competitor612.5M19.059.8726.23%11.36%0.12
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Product Competitor768.58M69.1913.3611.72%11.85%0.26
CVBF logoCVBFCVB Financial Corp.Product Competitor2.8B20.6313.57-2.33%9.25%0.43
BANC logoBANCBanc of California, Inc.Product Competitor2.99B19.3916.43-3.31%6.56%0.85

Compare RBB vs Peers

RBB Bancorp (RBB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HAFC

Most directly comparable listed peer for RBB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare RBB against a more recognizable public peer.

Peer Set

Compare Top 5

vs HAFC, EWBC, HOPE, PFBC

RBB Income Statement

RBB Bancorp (RBB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income55.68M59.69M77.82M95.78M104.18M123.47M148.62M118.16M98.05M107.44M
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 Income67.39M73.63M101.47M140.65M138.55M146.19M180.03M220.02M215.35M217.18M
Interest Expense11.71M13.94M23.65M44.86M34.37M22.72M31.42M101.86M117.3M109.74M
Loan Loss Provision4.8M-1.14M3.08M2.25M11.74M3.96M4.93M3.36M9.86M15.76M
Non-Interest Income9.6M13.59M12.11M19.25M14.53M19.61M11.43M16.11M16.65M18.11M
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 Expense27.91M27.62M40.64M57.47M59.51M58.19M63.77M70.66M69.16M75.35M
Efficiency Ratio36.25%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 Tax13.49M21.27M10.1M16.11M14.53M24.03M27.02M17.78M9.01M8.29M
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)19.08M25.53M36.1M39.21M32.93M56.91M64.33M42.47M26.66M26.16M
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)1.491.812.131.961.662.923.372.241.47-
Diluted Shares Outstanding13.7M15.24M17.97M20.39M19.92M19.83M19.33M18.98M18.18M17.62M

RBB Balance Sheet

RBB Bancorp (RBB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments113.83M135.6M222.05M241.43M349.12M870.23M340.98M508.11M345.55M2.21B
Cash & Due from Banks74.56M70.65M148.28M115.36M138.25M501.97M84.15M431.97M258.35M235.53M
Short Term Investments39.28M64.96M73.76M126.07M210.87M368.26M256.83M76.14M87.2M410.63M
Total Investments1.19B1.44B2.64B2.42B2.95B3.28B3.56B3.32B3.44B3.67B
Investments Growth %39.39%21.08%84.02%-8.4%21.68%11.32%8.51%-6.8%3.8%25.31%
Long-Term Investments1.15B1.37B2.57B2.29B2.73B2.91B3.3B3.24B3.35B12.9B
Accounts Receivables7.69M033.34M34.81M40.28M050.5M000
Goodwill & Intangibles31.73M31.38M65.98M64.66M74.44M73.32M75.22M74.29M73.51M72.99M
Goodwill29.94M29.94M58.38M58.56M69.24M69.24M71.5M71.5M71.5M71.5M
Intangible Assets1.79M1.44M7.6M6.1M5.2M4.08M3.72M2.79M2.01M1.5M
PP&E (Net)6.58M6.58M17.31M16.81M27.1M49.65M52.46M55.49M52.65M48.16M
Other Assets77.77M139.98M61.76M133.73M122.02M319.01M81.83M131.23M136.48M163.58M
Total Current Assets121.53M135.88M255.39M276.25M389.69M870.71M391.48M509.35M355.86M646.16M
Total Non-Current Assets1.27B1.56B2.72B2.51B2.96B3.36B3.53B3.52B3.64B3.56B
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 Payable7.09M10.37M21.94M17.36M16.4M13.98M20.83M000
Total Debt52.72M102.95M432.71M113.72M268.67M360.79M434.83M315.28M364.39M291.2M
Net Debt-21.84M32.3M284.43M-1.64M130.42M-141.18M350.68M-116.7M106.05M55.67M
Long-Term Debt52.72M77.95M432.71M113.72M268.67M337.51M408.31M284.08M334.69M135.13M
Short-Term Debt025M0000000130M
Other Liabilities7.69M-24.72M00001.16M24.73M36.42M36.42M
Total Current Liabilities1.15B1.37B2.17B2.27B2.65B3.4B3B3.17B3.08B3.5B
Total Non-Current Liabilities60.41M53.23M432.71M113.72M268.67M360.79M435.99M340M400.81M197.62M
Total Liabilities1.21B1.43B2.6B2.38B2.92B3.76B3.43B3.51B3.48B3.69B
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 Share13.2617.4020.8819.9921.5123.5325.0626.9327.9329.19
Tangible BV per Share10.9415.3417.2016.8117.7719.8321.1723.0223.8925.05
Common Stock142.65M205.93M288.61M290.39M284.26M282.33M276.91M271.93M259.96M250.36M
Additional Paid-in Capital8.42M8.43M5.66M4.94M4.93M4.6M3.36M3.62M3.65M3.73M
Retained Earnings30.78M51.27M81.62M112.05M138.09M181.33M225.88M255.15M264.46M274.61M
Accumulated OCI-267K-443K-1.34M239K1.13M-1.66M-21.66M-19.51M-20.26M-14.44M
Treasury Stock0000000000
Preferred Stock0000000000

RBB Cash Flow Statement

RBB Bancorp (RBB) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations56.22M28.78M-84.65M476.47M124.51M202.18M93.81M51.29M58.49M58.49M
Operating CF Growth %93.23%-48.8%-394.09%662.88%-73.87%62.37%-53.6%-45.32%14.04%352.78%
Net Income19.08M25.53M36.1M39.21M32.93M56.91M64.33M42.47M26.66M26.16M
Depreciation & Amortization1.36M2.37M5.13M6.77M7.82M13.54M11.02M9.63M9.25M8.98M
Deferred Taxes1.29M5.4M261K2.4M-2.02M-56K-1.2M1.34M-1.58M949K
Other Non-Cash Items34.16M-4.47M-126.04M428.17M85.86M136.83M25.03M3.25M29.12M17.8M
Working Capital Changes-560K-824K-797K-775K-767K-6.13M-6.22M-6.14M-6.32M-6.58M
Cash from Investing7.2M-264.45M-322.39M-219.35M-446.01M-504.18M-260.17M243.31M-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 Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-11.49M-38.48M-75.08M-198.98M-550.44M-603.6M-401.88M-693.49M-416.92M-371.83M
Acquisitions-35.05M025.07M06.63M071.35M000
Other Investing45.46M-229.73M-377.49M-167.29M-364.39M-340.55M-412.87M296.21M-57.83M-239.58M
Cash from Financing-58.6M267M404.68M-223.04M334.38M801.72M-444.46M53.22M-71.74M179.26M
Dividends Paid-2.55M-5.12M-5.75M-8.03M-6.57M-9.95M-10.74M-12.16M-11.72M-11.37M
Share Repurchases000-3.19M-7.85M-10.54M-19.82M-6.8M-20.68M-14.21M
Stock Issued595K60.21M9.63M0000000
Net Stock Activity595K60.21M9.63M-3.19M-7.85M-10.54M-19.82M-6.8M-20.68M-14.21M
Debt Issuance (Net)1000K1000K1000K-1000K1000K1000K1000K-1000K1000K-2M
Other Financing-105.32M186.91M186.41M107.69M198.8M754.1M-483.91M197.19M-89.34M324.83M
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 Effect0000000000
Cash at Beginning113.89M118.71M150.05M147.69M181.76M194.65M694.37M83.55M431.37M191.85M
Cash at End118.71M150.05M147.69M181.76M194.65M694.37M83.55M431.37M257.75M234.93M
Interest Paid12.34M13.85M19.99M45.7M36.19M22.51M29.73M93.72M120.92M106.94M
Income Taxes Paid12.52M16.93M9.34M14.47M13.47M25.79M24.02M21.39M6.22M332K
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 Banking Ratios

RBB Bancorp (RBB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
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 Margin3.99%3.53%2.62%3.43%3.11%2.92%3.79%2.93%2.46%2.55%
Efficiency Ratio36.25%31.67%35.78%35.94%38.88%35.1%33.31%29.93%29.81%32.02%
Equity / Assets13.01%15.68%12.61%14.62%12.79%11.04%12.36%12.7%12.72%12.22%
Book Value / Share13.2617.420.8819.9921.5123.5325.0626.9327.9329.19
NII Growth58.62%7.21%30.36%23.09%8.77%18.52%20.36%-20.49%-17.02%9.9%
Dividend Payout13.39%20.05%15.93%20.49%19.94%17.48%16.69%28.64%43.95%43.45%

RBB SEC Filings & Documents

RBB Bancorp (RBB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 20, 2026·SEC

Material company update

Apr 6, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 12, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 12, 2025·SEC

RBB Frequently Asked Questions

RBB Bancorp (RBB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More RBB

RBB Bancorp (RBB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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