| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | 2 | 3 | 1 | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 0.64 |
—
—
—
|
| 2025 | 0.64 |
—
—
—
—
|
| 2024 | 0.64 |
—
—
—
—
|
| 2023 | 0.64 |
—
—
—
—
|
| 2022 | 0.56 |
—
—
—
—
|
| 2021 | 0.51 |
—
—
—
—
|
| 2020 | 0.33 |
—
—
—
—
|
| 2019 | 0.40 |
—
—
—
—
|
| 2018 | 0.35 |
—
—
—
—
|
| 2017 | 0.08 |
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 431.97 | 258.35 | 212.92 | 283.62 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 3,474.48 | 3,348.60 | 3,585.52 | 3,654.27 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 3,174.76 | 3,083.79 | 3,350.40 | 3,390.64 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 3,198.85 | 3,119.48 | 3,394.31 | 3,420.51 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 61.05 | 60.18 | — | — |
—
|
| ’25 | 54.63 | 62.68 | 60.69 | 60.00 |
238.00
|
| ’24 | 58.17 | 56.37 | 60.17 | 57.28 |
232.00
|
| ’23 | 56.11 | 59.50 | 58.33 | 62.23 |
236.17
|
| ’22 | 42.51 | 45.76 | 48.95 | 55.00 |
192.22
|
| ’21 | 41.43 | 40.14 | 42.63 | 41.60 |
165.81
|
| ’20 | 38.64 | 36.31 | 37.85 | 40.35 |
153.16
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 19.43 | 22.29 | — | — |
—
|
| ’25 | 7.77 | 21.66 | 2.12 | 11.84 |
43.39
|
| ’24 | 4.85 | 11.67 | 24.50 | 17.47 |
58.50
|
| ’23 | 16.82 | 18.01 | 25.28 | (8.81) |
51.29
|
| ’22 | 33.16 | 12.34 | 25.79 | 22.52 |
93.81
|
| ’21 | 109.25 | 23.08 | 37.43 | 32.41 |
202.18
|
| ’20 | 78.20 | (8.10) | 10.03 | 44.38 |
124.51
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 19.43 | 22.29 | — | — |
—
|
| ’25 | 7.59 | 21.42 | 1.52 | 11.68 |
42.63
|
| ’24 | 4.70 | 11.52 | 24.24 | 17.24 |
57.71
|
| ’23 | 16.29 | 17.94 | 25.29 | (8.85) |
50.67
|
| ’22 | 32.43 | 12.61 | 25.54 | 22.23 |
92.80
|
| ’21 | 108.77 | 22.66 | 36.85 | 31.90 |
200.19
|
| ’20 | 78.07 | (8.08) | 9.27 | 41.06 |
120.31
|
| 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 | 0.63 | 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
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.50 | 8.62 | 16.49 | 14.40 | — | — | — |
Low Price
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.09 | 21.53 | 25.30 | 22.59 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 379 | 376 | 372 | 369 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.51 | 0.63 | 0.62 | 0.64 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 192.22 | 236.17 | 232.00 | 238.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 83.66% | 56.87% | 49.44% | 54.27% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 91.35 | 60.25 | 35.68 | 42.13 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 47.52% | 25.51% | 15.38% | 17.70% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 64.33 | 42.47 | 26.67 | 31.95 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.64 | 5.36 | 6.34 | 7.99 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.06 | 12.45 | 12.80 | 13.65 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 3.37 | 2.24 | 1.47 | 1.83 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.91 | 2.70 | 3.23 | 2.49 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.05) | (0.03) | (0.04) | (0.04) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.86 | 2.67 | 3.18 | 2.45 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 25.37 | 26.96 | 28.03 | 30.02 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.10 | 18.97 | 18.12 | 17.44 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.28 | 7.88 | 14.03 | 11.16 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.10 | 1.54 | 1.60 | 1.51 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.83 | 0.71 | 0.73 | 0.69 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.17 | 1.15 | 2.17 | 1.97 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.64 | 5.35 | 8.73 | 11.09 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 93.81 | 51.29 | 58.50 | 43.39 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.01) | (0.62) | (0.79) | (0.76) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 92.80 | 50.67 | 57.71 | 42.63 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 431.51 | 275.63 | 229.12 | 191.21 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 482.31 | 284.09 | 334.69 | 265.29 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 398.16 | (147.89) | 76.34 | 52.37 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 484.56 | 511.26 | 507.88 | 523.41 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.58% | 1.07% | 0.67% | 0.78% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 6.47% | 10.36% | 3.82% | 4.57% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.52% | 8.53% | 5.23% | 6.20% | — | — | — |
ROE
|
RBB Bancorp, the nimble California regional bank specializing in SBA lending for the Chinese-American community, has powered through a decade of explosive growth—revenue skyrocketing over 200% from $77 million in 2016 to a 2023 peak of $236 million at a blistering 20%+ CAGR—fueled by smart acquisitions, branch expansions, and operational efficiency that pushed revenue per employee to an impressive $624,000. Despite recent headwinds from high interest rates, margin compression, and the 2023 banking scares echoing SVB’s fallout, RBB’s fortress-like balance sheet shines: shareholders’ equity up 180% to $508 million, book value per share at $28 (trading at a discounted 0.73x PB), and ample liquidity to weather storms.
Forward projections ignite real optimism—a sharp 2025 revenue trough gives way to V-shaped recovery with 8% growth in 2026-27, EPS rebounding 18-20% annually to $2.35 by 2027, and ROE climbing toward historical 10% highs, powered by anticipated Fed rate relief boosting loan demand in RBB’s resilient SBA niche. With shares retiring accretively, stable free cash flow for dividends or buybacks, and analyst targets hinting at modest near-term upside amid low CRE exposure versus peers, RBB trades near fair value as a coiled spring for 10-15% annualized returns—position for the rebound by watching deposits and NIM.
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