RBB Bancorp

RBB Financial Banks Regional

RBB Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $238.0 million, up 2.59% from fiscal 2024. In the quarter to June 2026, revenue fell 4.00%, EPS grew 13.2%, free cash flow grew 4.05% and total debt fell 6.19%, each against the same quarter a year earlier. Dividend growth for five consecutive years.

25.75 0.01 −0.04%
Market cap
$435.8M
P/E
10.5×
Fwd P/E
10.3×
Dividend yield
2.49%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total sells 0.70
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — 2 3 1 — — — —
Insider Ownership 10.59%

Capital & Financial Ratios $m

Market Cap 435.76
Revenue 241.92
Net Income 41.77
Free Cash Flow 55.68
Net Debt 11.87
Current Ratio 1.07
Debt/Equity 0.55
P/E ratio 10.51
Fwd P/E 10.30
P/S ratio 1.81
P/B ratio 0.82
Past 5Y EPS Growth 2.09%
This Y EPS Growth 31.04% (at or above 15%: strong)
Next Y EPS Growth 3.34%
Next Y revenue growth (42.48%) (below 0%: weak)
Next 5Y EPS Growth 11.03%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 56.13%
10-year low 10-year high
P/S against its own 10 years 42.14%
10-year low 10-year high
P/B against its own 10 years 45.20%
10-year low 10-year high

Dividends

Payout Ratio 0.26
Annual Dividend Rate 0.64
Annual Dividend Yield 2.49%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.64
0.16
0.16
0.16
2025 0.64
0.16
0.16
0.16
0.16
2024 0.64
0.16
0.16
0.16
0.16
2023 0.64
0.16
0.16
0.16
0.16
2022 0.56
0.14
0.14
0.14
0.14
2021 0.51
0.12
0.13
0.13
0.13
2020 0.33
0.12
0.06
0.06
0.09
2019 0.40
0.10
0.10
0.10
0.10
2018 0.35
0.08
0.09
0.09
0.09
2017 0.08
0.08
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 432 258 213 284
Receivables — — — —
Inventory — — — —
Other — — — —
3,474 3,349 3,586 3,654
2023 2024 2025 Q'26
Payables 3,175 3,084 3,350 3,391
ST’ Debt — — — —
Other — — — —
3,199 3,119 3,394 3,421

Compound Annual Growth %

10y 5y 3y
Sales 16.80% 9.22% 7.38%
Cash Flow 4.08% (19.01%) (22.67%)
Earnings 9.43% (0.60%) (20.79%)
Book Value 12.33% 4.08% 2.60%

Revenue $m

Mar Jun Sep Dec Year
’26 61 60 — — —
’25 55 63 61 60 238
’24 58 56 60 57 232
’23 56 59 58 62 236
’22 43 46 49 55 192
’21 41 40 43 42 166
’20 39 36 38 40 153
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 19 22 — — —
’25 8 22 2 12 43
’24 5 12 25 17 58
’23 17 18 25 (9) 51
’22 33 12 26 23 94
’21 109 23 37 32 202
’20 78 (8) 10 44 125
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 19 22 — — —
’25 8 21 2 12 43
’24 5 12 24 17 58
’23 16 18 25 (9) 51
’22 32 13 26 22 93
’21 109 23 37 32 200
’20 78 (8) 9 41 120
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.66 0.59 — — —
’25 0.13 0.52 0.59 0.59 1.83
’24 0.43 0.39 0.39 0.25 1.47
’23 0.58 0.58 0.45 0.64 2.24
’22 0.74 0.80 0.87 0.92 3.33
’21 0.63 0.67 0.77 0.79 2.86
’20 0.33 0.33 0.43 0.56 1.65
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — 21.26 17.03 17.38 10.61 15.35 19.50 8.62 16.49 14.40

Analyst estimates 2026–2028

Powerpack
High — 27.55 33.62 22.95 21.34 27.47 29.09 21.53 25.30 22.59
People
People Employees 177 203 365 355 371 365 379 376 372 369
Revenue/emp, $m 0.44 0.43 0.31 0.45 0.41 0.45 0.51 0.63 0.62 0.64
Income, $m
Income, $m Revenue 77 87 115 160 153 166 192 236 232 238
Gross margin, % 84.83 84.04 79.43 71.97 77.56 86.30 83.66 56.87 49.44 54.27
EBT 33 47 46 55 47 81 91 60 36 42
EBT margin, % 42.21 53.60 40.19 34.57 30.99 48.81 47.52 25.51 15.38 17.70
Net income 19 26 36 39 33 57 64 42 27 32
Depreciation (6) (2) 4 5 6 14 12 5 6 8
Per share, $
Per share, $ Revenue 6.03 6.20 6.70 8.00 7.75 8.54 10.06 12.45 12.80 13.65
Earnings 1.49 1.81 2.13 1.96 1.66 2.92 3.37 2.24 1.47 1.83
Cash flow 4.39 2.04 (4.94) 23.80 6.30 10.41 4.91 2.70 3.23 2.49
Capex (0.02) (0.05) (0.15) (0.07) (0.21) (0.10) (0.05) (0.03) (0.04) (0.04)
Free cash flow 4.38 2.00 (5.08) 23.74 6.09 10.31 4.86 2.67 3.18 2.45
Book value 14.19 18.84 21.84 20.37 21.68 24.03 25.37 26.96 28.03 30.02
Shares, m 13 14 17 20 20 19 19 19 18 17
Valuation, ×
Valuation, × P/E 13.81 14.50 8.21 10.80 9.21 8.94 6.28 8.52 14.03 11.16
P/S 1.44 4.35 2.62 2.65 1.98 3.07 2.10 1.54 1.60 1.51
P/B 0.62 1.43 0.80 1.04 0.71 1.09 0.83 0.71 0.73 0.69
EV/Sales 0.10 3.51 5.10 2.22 2.46 0.91 3.79 0.91 1.93 1.73
EV/FCF 0.30 10.92 (6.72) 0.75 3.14 0.76 7.85 4.25 7.76 9.77
Cash, $m
Cash, $m Operating cash flow 56 29 (85) 476 125 202 94 51 58 43
Capex 0 (1) (2) (1) (4) (2) (1) (1) (1) (1)
Free cash flow 56 28 (87) 475 120 200 93 51 58 43
Balance, $m
Balance, $m Working capital 108 179 575 237 311 244 432 276 229 191
Total debt 53 78 433 114 269 338 408 284 335 265
Net debt (66) (73) 284 (69) 73 (357) 324 (148) 76 52
Shareholders’ equity 182 265 375 408 428 467 485 511 508 523
Returns, %
Returns, % ROA 1.58 1.65 1.55 1.36 1.07 1.50 1.58 1.07 0.67 0.78
ROIC 17.66 15.21 4.54 10.28 6.00 46.32 7.06 10.36 3.82 4.57
ROE 11.05 11.43 11.29 10.02 7.88 12.71 13.52 8.53 5.23 6.20
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

RBB Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CZNC Citizens & Northern Corp $454.8M 17.3× 10.8× +26.53% (above 0%: growing) +97.50% (above 0%: growing) +90.26% (above 0%: growing) 76.74% 0.00% Compare
PBFS Pioneer Bancorp, Inc. $440.5M 25.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00% Compare
FRBA First Bank $438.9M 10.3× 10.2× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
AVBC Avidia Bancorp, Inc. $436.0M 23.1× 14.7× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
RBB RBB Bancorp $435.8M 10.5× 10.3× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00%
PLBC Plumas Bancorp $431.8M 12.1× 9.7× +44.00% (above 0%: growing) +33.64% (above 0%: growing) +446.81% (above 0%: growing) 86.85% 0.00% Compare
CBK Commercial Bancgroup, Inc. $431.5M 10.8× 10.3× −0.84% (below 0%: shrinking) +3.15% (above 0%: growing) +28.43% (above 0%: growing) 73.67% 0.00% Compare
BMRC Bank of Marin Bancorp $427.4M — (loss-making) 11.9× +120.20% (above 0%: growing) n/m +67.51% (above 0%: growing) 74.60% 0.00% Compare
CBAN Colony Bankcorp, Inc. $425.1M 12.0× 10.7× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
Median of peers $433.9M 12.1× 10.8× +20.41% +9.10% +78.89% 75.22% 0.00%

All 323 Banks Regional stocks →

RBB Bancorp (RBB) key facts

  • Strength: RBB Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $238.0 million, up 2.59% from fiscal 2024.
  • RBB Bancorp (RBB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, RBB traded at $25.75, a market capitalization of $435.8 million.
  • RBB Bancorp pays an annual dividend of $0.64 per share, a yield of 2.49%, with a payout ratio of 26.3%.
  • Return on equity was 6.20% and debt-to-equity 0.55.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

RBB Bancorp (RBB) Latest News

21 Apr

14 Apr

stockrow.com/RBB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com