RBB Bancorp (RBB) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
14.82
↑+92% vs avg
5yr avg: 7.74
30Y Low3.5·High13.2
P/FCF
↑
10.21
↑+77% vs avg
5yr avg: 5.78
30Y Low0.9·High14.8
P/B Ratio
↓
0.83
+3% vs avg
5yr avg: 0.81
30Y Low0.7·High1.6
ROE
↓
6.2%
↑-33% vs avg
5yr avg: 9.2%
30Y Low4%·High14%
Debt/EBITDA
↑
6.46
+19% vs avg
5yr avg: 5.43
30Y Low1.6·High8.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RBB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
RBB Bancorp trades at 13.9x earnings, 42% above its 5-year average of 9.8x, sitting at the 78th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 10.2x P/FCF, 77% above the 5-year average of 5.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $435M | $354M | $373M | $361M | $403M | $520M | $306M | $432M | $316M | $417M | — |
| Enterprise Value | $723M | $642M | $479M | $245M | $754M | $378M | $437M | $430M | $600M | $449M | — |
| P/E Ratio → | 13.92 | 11.28 | 13.94 | 8.50 | 6.26 | 9.16 | 9.32 | 11.03 | 8.66 | 16.29 | — |
| P/S Ratio | 1.83 | 1.49 | 1.61 | 1.53 | 2.11 | 3.13 | 2.00 | 2.70 | 2.78 | 4.78 | — |
| P/B Ratio | 0.83 | 0.68 | 0.73 | 0.71 | 0.83 | 1.11 | 0.72 | 1.06 | 0.84 | 1.57 | — |
| P/FCF | 10.21 | 8.31 | 6.46 | 7.14 | 4.39 | 2.60 | 2.55 | 0.91 | — | 14.84 | — |
| P/OCF | 10.02 | 8.15 | 6.37 | 7.05 | 4.30 | 2.57 | 2.46 | 0.91 | — | 14.49 | — |
P/E links to full P/E history page with 30-year chart
RBB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
RBB Bancorp's enterprise value stands at 14.8x EBITDA, 92% above its 5-year average of 7.7x. The Financial Services sector median is 11.4x, placing the stock at a 30% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.70 | 2.06 | 1.04 | 3.94 | 2.28 | 2.85 | 2.69 | 5.28 | 5.15 | — |
| EV / EBITDA | 14.82 | 13.16 | 10.65 | 3.50 | 7.36 | 4.01 | 7.90 | 6.93 | 11.69 | 9.14 | — |
| EV / EBIT | 17.15 | 15.23 | 13.41 | 4.06 | 8.25 | 4.68 | 9.20 | 7.77 | 12.99 | 9.60 | — |
| EV / FCF | — | 15.06 | 8.29 | 4.83 | 8.22 | 1.89 | 3.63 | 0.91 | — | 15.99 | — |
RBB Profitability
Margins and return-on-capital ratios measuring operating efficiency
RBB Bancorp earns an operating margin of 17.7%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 25.5% to 17.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.2% is modest, trailing the sector median of 9.0%. ROIC of 3.7% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.9% | 49.9% | 45.2% | 55.4% | 81.0% | 83.9% | 69.9% | 70.5% | 76.5% | 85.3% | 78.6% |
| Operating Margin | 17.7% | 17.7% | 15.4% | 25.5% | 47.7% | 48.8% | 31.0% | 34.6% | 40.7% | 53.7% | 42.3% |
| Net Profit Margin | 13.4% | 13.4% | 11.5% | 18.0% | 33.6% | 34.3% | 21.5% | 24.5% | 31.8% | 29.3% | 24.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.2% | 6.2% | 5.2% | 8.5% | 13.5% | 12.7% | 7.9% | 10.0% | 11.3% | 11.4% | 11.1% |
| ROA | 0.8% | 0.8% | 0.7% | 1.1% | 1.6% | 1.5% | 1.1% | 1.4% | 1.5% | 1.7% | 1.6% |
| ROIC | 3.7% | 3.7% | 3.2% | 5.2% | 7.8% | 8.0% | 5.8% | 6.2% | 5.9% | 11.7% | 12.3% |
| ROCE | 4.8% | 4.8% | 4.1% | 6.8% | 10.4% | 10.6% | 7.8% | 8.3% | 8.2% | 16.7% | 15.9% |
RBB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
RBB Bancorp carries a Debt/EBITDA ratio of 6.5x, which is highly leveraged (51% above the sector average of 4.3x). Net debt stands at $288M ($315M total debt minus $27M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.60 | 0.60 | 0.72 | 0.62 | 0.90 | 0.77 | 0.63 | 0.28 | 1.15 | 0.39 | 0.29 |
| Debt / EBITDA | 6.46 | 6.46 | 8.11 | 4.51 | 4.25 | 3.82 | 4.86 | 1.83 | 8.43 | 2.09 | 1.55 |
| Net Debt / Equity | — | 0.55 | 0.21 | -0.23 | 0.72 | -0.30 | 0.30 | -0.00 | 0.76 | 0.12 | -0.12 |
| Net Debt / EBITDA | 5.90 | 5.90 | 2.36 | -1.67 | 3.43 | -1.49 | 2.36 | -0.03 | 5.54 | 0.66 | -0.64 |
| Debt / FCF | — | 6.76 | 1.84 | -2.30 | 3.82 | -0.71 | 1.08 | -0.00 | — | 1.15 | -0.39 |
| Interest Coverage | 0.39 | 0.39 | 0.30 | 0.59 | 2.91 | 3.56 | 1.38 | 1.23 | 1.95 | 3.36 | 2.78 |
RBB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.13x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.13 | 0.13 | 0.12 | 0.16 | 0.13 | 0.26 | 0.15 | 0.12 | 0.12 | 0.10 | 0.11 |
| Quick Ratio | 0.13 | 0.13 | 0.12 | 0.16 | 0.13 | 0.26 | 0.15 | 0.12 | 0.12 | 0.10 | 0.11 |
| Cash Ratio | 0.01 | 0.01 | 0.08 | 0.14 | 0.03 | 0.15 | 0.05 | 0.05 | 0.07 | 0.05 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 | 0.04 | 0.05 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RBB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
RBB Bancorp returns 5.9% to shareholders annually — split between a 2.6% dividend yield and 3.3% buyback yield. The payout ratio of 35.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.6% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 35.3% | 35.3% | 44.0% | 28.6% | 16.7% | 17.5% | 19.9% | 20.5% | 15.9% | 20.0% | 13.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.2% | 8.9% | 7.2% | 11.8% | 16.0% | 10.9% | 10.7% | 9.1% | 11.6% | 6.1% | — |
| FCF Yield | 9.8% | 12.0% | 15.5% | 14.0% | 22.8% | 38.5% | 39.3% | 110.1% | — | 6.7% | — |
| Buyback Yield | 3.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 5.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $17M | $18M | $19M | $19M | $20M | $20M | $20M | $18M | $15M | $14M |
Peer Comparison
Compare RBB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RBBYou | $435M | 13.9 | 14.8 | 10.2 | 49.9% | 17.7% | 6.2% | 3.7% | 6.5 |
 HAFC | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 EWBC | $17B | 13.3 | 9.8 | 11.6 | 60.1% | 37.4% | 15.9% | 11.2% | 1.6 |
 HOPE | $2B | 27.9 | 17.7 | 10.8 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 PFBC | $1B | 9.5 | 4.1 | 7.2 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 BCAL | $635M | 10.2 | 7.4 | 11.1 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 SMBC | $805M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BANC | $3B | 17.0 | 9.6 | 13.2 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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RBB — Frequently Asked Questions
Quick answers to the most common questions about buying RBB stock.
What is RBB Bancorp's P/E ratio?
RBB Bancorp's current P/E ratio is 13.9x. The historical average is 10.5x. This places it at the 78th percentile of its historical range.
What is RBB Bancorp's EV/EBITDA?
RBB Bancorp's current EV/EBITDA is 14.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.3x.
What is RBB Bancorp's ROE?
RBB Bancorp's return on equity (ROE) is 6.2%. The historical average is 8.8%.
Is RBB stock overvalued?
Based on historical data, RBB Bancorp is trading at a P/E of 13.9x. This is at the 78th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is RBB Bancorp's dividend yield?
RBB Bancorp's current dividend yield is 2.58% with a payout ratio of 35.3%.
What are RBB Bancorp's profit margins?
RBB Bancorp has 49.9% gross margin and 17.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does RBB Bancorp have?
RBB Bancorp's Debt/EBITDA ratio is 6.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.