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RBBRBB Bancorp
$25.48$435M
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RBB logoRBB Bancorp(RBB)Earnings, Financials & Key Ratios

RBB•NASDAQ•Banking & Credit
13.9× P/E·Price updated Jun 19, 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$111M+13.5%
  • Total Revenue$238M+2.6%
  • Net Income$32M+19.8%
  • Return on Equity6.2%+18.4%
  • Net Interest Margin2.64%+7.7%
  • Efficiency Ratio32.21%+8.0%
  • ROA0.78%+17.1%
  • Equity / Assets12.44%-2.2%
  • Book Value per Share30.54+9.3%

RBB Key Insights

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

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 32.2% efficiency ratio
  • ✓Well capitalized: 12.4% equity/assets
  • ✓Healthy dividend yield of 2.6%
  • ✓Share count reduced 5.7% through buybacks
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

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

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RBB Price & Volume

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

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RBB Growth Metrics

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

Revenue CAGR

10 Years16.82%
5 Years9.23%
3 Years7.52%
TTM-

Profit CAGR

10 Years9.43%
5 Years-0.6%
3 Years-20.81%
TTM19.81%

EPS CAGR

10 Years6.66%
5 Years2.09%
3 Years-18.09%
TTM25.34%

Return on Capital

10 Years9.35%
5 Years7.33%
3 Years5.21%
Last Year4.77%

RBB Recent Earnings

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

Full history →
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 20, 2026
Metric
Actual
Est
EPS
$0.66+46.7%
$0.45
Rev
$35M+7.3%
$32M
Q1 2026
Feb 2, 2026
Metric
Actual
Est
EPS
$0.25-49.0%
$0.49
Rev
$60M
—
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.59+20.4%
$0.49
Rev
$32M-2.7%
$33M
Q4 2025
Oct 20, 2025
Metric
Actual
Est
EPS
$0.59+43.9%
$0.41
Rev
$33M-1.9%
$33M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HAFC logoHAFCHanmi Financial CorporationDirect Competitor932.95M31.2112.433.55%17.12%9.85%0.35
EWBC logoEWBCEast West Bancorp, Inc.Direct Competitor17.45B126.8113.324.63%28.27%15.77%0.36
HOPE logoHOPEHope Bancorp, Inc.Direct Competitor1.64B12.8427.91-3.23%6.05%2.62%0.17
PFBC logoPFBCPreferred BankDirect Competitor1.21B99.049.51-4.11%26.59%17.29%0.49
BCAL logoBCALSouthern California BancorpDirect Competitor634.69M19.7410.2326.23%27.06%11.36%0.12
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Product Competitor805.46M72.5114.0011.72%20.82%11.85%0.26
CVBF logoCVBFCVB Financial Corp.Product Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43
BANC logoBANCBanc of California, Inc.Product Competitor3.1B20.0917.03-3.31%12.65%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
59.69M77.82M95.78M104.18M123.47M148.62M118.16M98.05M111.3M
NII Growth %
7.21%30.36%23.09%8.77%18.52%20.36%-20.49%-17.02%13.51%
Net Interest Margin %
3.53%2.62%3.43%3.11%2.92%3.79%2.93%2.46%2.64%
Interest Income
73.63M101.47M140.65M138.55M146.19M180.03M220.02M215.35M220.15M
Interest Expense
13.94M23.65M44.86M34.37M22.72M31.42M101.86M117.3M108.84M
Loan Loss Provision
-1.14M3.08M2.25M11.74M3.96M4.93M3.36M9.86M10.36M
Non-Interest Income
13.59M12.11M19.25M14.53M19.61M11.43M16.11M16.65M17.85M
Non-Interest Income %
15.58%10.66%12.04%9.49%11.83%5.97%6.82%7.18%7.5%
Total Revenue
87.22M▲ 0%
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%
238M▲ 2.6%
Revenue Growth %
13.29%30.21%40.79%-4.27%8.32%15.47%23.33%-1.75%2.59%
Non-Interest Expense
27.62M40.64M57.47M59.51M58.19M63.77M70.66M69.16M76.66M
Efficiency Ratio
31.67%35.78%35.94%38.88%35.1%33.31%29.93%29.81%32.21%
Operating Income
46.8M▲ 0%
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%
42.13M▲ 18.1%
Operating Margin %
53.65%40.68%34.6%31%48.81%47.71%25.51%15.38%17.7%
Operating Income Growth %
43.69%-1.26%19.73%-14.21%70.54%12.86%-34.05%-40.78%18.09%
Pretax Income
46.8M▲ 0%
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%
42.13M▲ 18.1%
Pretax Margin %
53.65%40.68%34.6%31%48.81%47.71%25.51%15.38%17.7%
Income Tax
21.27M10.1M16.11M14.53M24.03M27.02M17.78M9.01M10.19M
Effective Tax Rate %
45.45%21.86%29.12%30.62%29.69%29.58%29.51%25.26%24.18%
Net Income
25.53M▲ 0%
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%
31.95M▲ 19.8%
Net Margin %
29.27%31.79%24.52%21.51%34.32%33.6%17.98%11.49%13.42%
Net Income Growth %
33.8%41.43%8.6%-16.02%72.82%13.04%-33.99%-37.21%19.81%
Net Income (Continuing)
25.53M36.1M39.21M32.93M56.91M64.33M42.47M26.66M31.95M
EPS (Diluted)
1.68▲ 0%
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%
1.83▲ 24.5%
EPS Growth %
20.86%20.83%-5.42%-14.06%73.33%16.43%-32.73%-34.38%24.49%
EPS (Basic)
1.812.131.961.662.923.372.241.471.84
Diluted Shares Outstanding
15.24M17.97M20.39M19.92M19.83M19.33M18.98M18.18M17.14M

RBB Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
135.6M222.05M241.43M349.12M870.23M340.98M508.11M345.55M434.29M
Cash & Due from Banks
70.65M148.28M115.36M138.25M501.97M84.15M431.97M258.35M27.09M
Short Term Investments
64.96M73.76M126.07M210.87M368.26M256.83M76.14M87.2M407.2M
Total Investments
1.44B2.64B2.42B2.95B3.28B3.56B3.32B3.44B3.68B
Investments Growth %
21.08%84.02%-8.4%21.68%11.32%8.51%-6.8%3.8%6.84%
Long-Term Investments
1.37B2.57B2.29B2.73B2.91B3.3B3.24B3.35B3.27B
Accounts Receivables
033.34M34.81M40.28M050.5M000
Goodwill & Intangibles
31.38M65.98M64.66M74.44M73.32M75.22M74.29M73.51M72.84M
Goodwill
29.94M58.38M58.56M69.24M69.24M71.5M71.5M71.5M71.5M
Intangible Assets
1.44M7.6M6.1M5.2M4.08M3.72M2.79M2.01M1.34M
PP&E (Net)
6.58M17.31M16.81M27.1M49.65M52.46M55.49M52.65M71.37M
Other Assets
139.98M61.76M133.73M122.02M319.01M81.83M131.23M136.48M359.39M
Total Current Assets
135.88M255.39M276.25M389.69M870.71M391.48M509.35M355.86M434.29M
Total Non-Current Assets
1.56B2.72B2.51B2.96B3.36B3.53B3.52B3.64B3.77B
Total Assets
1.69B▲ 0%
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▲ 5.4%
Asset Growth %
21.18%75.96%-6.29%20.14%26.21%-7.31%2.73%-0.83%5.41%
Return on Assets (ROA)
1.65%1.55%1.36%1.07%1.5%1.58%1.07%0.67%0.78%
Accounts Payable
10.37M21.94M17.36M16.4M13.98M20.83M000
Total Debt
102.95M432.71M113.72M268.67M360.79M434.83M315.28M364.39M314.89M
Net Debt
32.3M284.43M-1.64M130.42M-141.18M350.68M-116.7M106.05M287.8M
Long-Term Debt
77.95M432.71M113.72M268.67M337.51M408.31M284.08M334.69M290.09M
Short-Term Debt
25M00000000
Other Liabilities
-24.72M00001.16M24.73M36.42M19.6M
Total Current Liabilities
1.37B2.17B2.27B2.65B3.4B3B3.17B3.08B3.35B
Total Non-Current Liabilities
53.23M432.71M113.72M268.67M360.79M435.99M340M400.81M334.49M
Total Liabilities
1.43B2.6B2.38B2.92B3.76B3.43B3.51B3.48B3.68B
Total Equity
265.18M▲ 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%
523.48M▲ 3.1%
Equity Growth %
46.03%41.46%8.65%5.13%8.91%3.83%5.51%-0.66%3.07%
Equity / Assets (Capital Ratio)
15.68%12.61%14.62%12.79%11.04%12.36%12.7%12.72%12.44%
Return on Equity (ROE)
11.43%11.28%10.02%7.88%12.71%13.52%8.53%5.23%6.2%
Book Value per Share
17.4020.8819.9921.5123.5325.0626.9327.9330.54
Tangible BV per Share
15.3417.2016.8117.7719.8321.1723.0223.8926.29
Common Stock
205.93M288.61M290.39M284.26M282.33M276.91M271.93M259.96M250.69M
Additional Paid-in Capital
8.43M5.66M4.94M4.93M4.6M3.36M3.62M3.65M3.94M
Retained Earnings
51.27M81.62M112.05M138.09M181.33M225.88M255.15M264.46M282.02M
Accumulated OCI
-443K-1.34M239K1.13M-1.66M-21.66M-19.51M-20.26M-13.32M
Treasury Stock
000000000
Preferred Stock
000000000

RBB Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
28.78M-84.65M476.47M124.51M202.18M93.81M51.29M58.49M43.39M
Operating CF Growth %
-48.8%-394.09%662.88%-73.87%62.37%-53.6%-45.32%14.04%-25.83%
Net Income
25.53M36.1M39.21M32.93M56.91M64.33M42.47M26.66M31.95M
Depreciation & Amortization
2.37M5.13M6.77M7.82M13.54M11.02M9.63M9.25M8.8M
Deferred Taxes
5.4M261K2.4M-2.02M-56K-1.2M1.34M-1.58M1.46M
Other Non-Cash Items
-4.47M-126.04M428.17M85.86M136.83M25.03M3.25M29.12M6.12M
Working Capital Changes
-824K-797K-775K-767K-6.13M-6.22M-6.14M-6.32M-6.68M
Cash from Investing
-264.45M-322.39M-219.35M-446.01M-504.18M-260.17M243.31M-160.39M-260.18M
Purchase of Investments
-39.48M-76.08M-199.98M-551.44M-604.6M-402.88M-694.49M-417.92M-267.96M
Sale/Maturity of Investments
5.45M108.6M149.27M467.39M442.96M486.3M642.2M316.15M287.46M
Net Investment Activity
-34.03M32.52M-50.71M-84.05M-161.64M83.41M-52.28M-101.77M19.5M
Acquisitions
025.07M06.63M071.35M000
Other Investing
-229.73M-377.49M-167.29M-364.39M-340.55M-412.87M296.21M-57.83M-278.88M
Cash from Financing
267M404.68M-223.04M334.38M801.72M-444.46M53.22M-71.74M171.36M
Dividends Paid
-5.12M-5.75M-8.03M-6.57M-9.95M-10.74M-12.16M-11.72M-11.26M
Share Repurchases
00-3.19M-7.85M-10.54M-19.82M-6.8M-20.68M-14.25M
Stock Issued
60.21M9.63M000000417K
Net Stock Activity
60.21M9.63M-3.19M-7.85M-10.54M-19.82M-6.8M-20.68M-13.83M
Debt Issuance (Net)
1000K1000K-1000K1000K1000K1000K-1000K1000K-1000K
Other Financing
186.91M186.41M107.69M198.8M754.1M-483.91M197.19M-89.34M266.19M
Net Change in Cash
31.34M▲ 0%
-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%
-45.43M▲ 73.8%
Exchange Rate Effect
000000000
Cash at Beginning
118.71M150.05M147.69M181.76M194.65M694.37M83.55M431.37M257.75M
Cash at End
150.05M147.69M181.76M194.65M694.37M83.55M431.37M257.75M212.32M
Interest Paid
13.85M19.99M45.7M36.19M22.51M29.73M93.72M120.92M108.68M
Income Taxes Paid
16.93M9.34M14.47M13.47M25.79M24.02M21.39M6.22M18.72M
Free Cash Flow
28.1M▲ 0%
-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%
42.59M▼ 26.2%
FCF Growth %
-49.83%-410.1%645.26%-74.68%66.39%-54.17%-44.8%13.96%-26.2%

RBB Banking Ratios

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

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
11.05%11.43%11.28%10.02%7.88%12.71%13.52%8.53%5.23%6.2%
Return on Assets (ROA)
1.58%1.65%1.55%1.36%1.07%1.5%1.58%1.07%0.67%0.78%
Net Interest Margin
3.99%3.53%2.62%3.43%3.11%2.92%3.79%2.93%2.46%2.64%
Efficiency Ratio
36.25%31.67%35.78%35.94%38.88%35.1%33.31%29.93%29.81%32.21%
Equity / Assets
13.01%15.68%12.61%14.62%12.79%11.04%12.36%12.7%12.72%12.44%
Book Value / Share
13.2617.420.8819.9921.5123.5325.0626.9327.9330.54
NII Growth
58.62%7.21%30.36%23.09%8.77%18.52%20.36%-20.49%-17.02%13.51%
Dividend Payout
13.39%20.05%15.93%20.49%19.94%17.48%16.69%28.64%43.95%35.26%
Related:RBB Dividend History·RBB Revenue History·RBB Price History·RBB P/E History·RBB Financial Ratios·RBB Institutional Holders

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) grew revenue by 2.6% over the past year. Growth has been modest.

Yes, RBB Bancorp (RBB) is profitable, generating $31.9M in net income for fiscal year 2025 (13.4% net margin).

Dividend & Returns

Yes, RBB Bancorp (RBB) pays a dividend with a yield of 2.58%. This makes it attractive for income-focused investors.

RBB Bancorp (RBB) has a return on equity (ROE) of 6.2%. This is below average, suggesting room for improvement.

Industry Metrics

RBB Bancorp (RBB) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

RBB Bancorp (RBB) has an efficiency ratio of 32.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in RBB back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

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How much would $100/month in RBB be worth today?

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