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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.

Revenue
−4.00%
EPS
+13.2%
Free cash flow
+4.05%
Total debt
−6.19%

Quarter to June 2026, against a year earlier

25.71 0.53 −2.02%
Market cap
$432.5M
P/E
10.5×
Fwd P/E
10.1×
Dividend yield
2.49%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.70
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — 2 3 1 — — — — —
Insider Ownership 11.06%

Capital & Financial Ratios $m

Size
Market Cap 432.45
Revenue ttm 241.92
Net income ttm 41.77
Free cash flow ttm 55.68
Net debt Q 11.87
Valuation
P/E 10.49
Forward P/E 10.10
Price / sales 1.81
Forward P/S Powerpack
Price / FCF 8.02
Price / book 0.82
Financial health
Current ratio Q 1.07
Debt / equity Q 0.55
Interest coverage Q —
Growth
Revenue growth Q −4.00% (below 0%: shrinking)
Operating income growth Q +8.89% (above 0%: growing)
EPS, this year +31.91% (at or above 15%: strong)
EPS, next year A −1.41% (below 0%: weak)
Revenue, next year A −43.07% (below 0%: weak)
EPS, past 5 yrs +2.09%
EPS, next 5 yrs A +12.68%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 55.76%
10-year low 10-year high
P/S against its own 10 years 41.85%
10-year low 10-year high
P/B against its own 10 years 44.67%
10-year low 10-year high

Dividends

Yield
2.49%
Annual rate
0.64
Payout ratio
26.3%
Growth, 2018–26
+7.84%/yr
  1. 0.35 ’18
  2. 0.40 ’19 +14
  3. 0.33 ’20 −18
  4. 0.51 ’21 +55
  5. 0.56 ’22 +10
  6. 0.64 ’23 +14
  7. 0.64 ’24 +0
  8. 0.64 ’25 +0
  9. 0.64 ’26 +0
paid change on the year, % Powerpack

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.57 Actual 0.74

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.49 0.59 Beat by 0.10
Q1 FY26 0.45 0.66 Beat by 0.21
Q2 FY26 0.53 0.59 Beat by 0.06
Q3 FY26 0.57 0.74 Beat by 0.17
Q4 FY26 0.58 — Reports 25 January 2027

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 77 87 115 160 153 166 192 236 232 238 242 +13.3% 136 138 147 (14.8%)
Gross margin, % 84.83 84.04 79.43 71.97 77.56 86.30 83.66 56.87 49.44 54.27 54.87 (30.6) pt
EBT 33 47 46 55 47 81 91 60 36 42 56 +2.9%
EBT margin, % 42.21 53.60 40.19 34.57 30.99 48.81 47.52 25.51 15.38 17.70 23.06 (24.5) pt
Net income 19 26 36 39 33 57 64 42 27 32 42 +5.9%
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 14.22 +9.5%
Earnings 1.49 1.81 2.13 1.96 1.66 2.92 3.37 2.24 1.47 1.83 2.45 +2.3%
Cash flow 4.39 2.04 (4.94) 23.80 6.30 10.41 4.91 2.70 3.23 2.49 3.27 (6.1%)
Capex (0.02) (0.05) (0.15) (0.07) (0.21) (0.10) (0.05) (0.03) (0.04) (0.04) 0.00 +11.4%
Free cash flow 4.38 2.00 (5.08) 23.74 6.09 10.31 4.86 2.67 3.18 2.45 3.27 (6.3%)
Book value 14.19 18.84 21.84 20.37 21.68 24.03 25.37 26.96 28.03 30.02 31.46 +8.7%
Shares, m 13 14 17 20 20 19 19 19 18 17 17 +3.5%
Valuation, ×
Valuation, × P/E 13.81 14.50 8.21 10.80 9.21 8.94 6.28 8.52 14.03 11.16 10.49 10.5
P/S 1.44 4.35 2.62 2.65 1.98 3.07 2.10 1.54 1.60 1.51 1.81 2.3
P/B 0.62 1.43 0.80 1.04 0.71 1.09 0.83 0.71 0.73 0.69 0.82 0.9
EV/Sales 0.10 3.51 5.10 2.22 2.46 0.91 3.79 0.91 1.93 1.73 — 2.3
EV/FCF 0.30 10.92 (6.72) 0.75 3.14 0.76 7.85 4.25 7.76 9.77 — 3.9
Cash, $m
Cash, $m Operating cash flow 56 29 (85) 476 125 202 94 51 58 43 56 (2.8%)
Capex 0 (1) (2) (1) (4) (2) (1) (1) (1) (1) (1) +15.3%
Free cash flow 56 28 (87) 475 120 200 93 51 58 43 56 (3.0%)
Balance, $m
Balance, $m Working capital 108 179 575 237 311 244 432 276 229 191 234 +6.6%
Net debt (66) (73) 284 (69) 73 (357) 324 (148) 76 52 12 n/m
Shareholders’ equity 182 265 375 408 428 467 485 511 508 523 535 +12.5%
Returns, %
Returns, % ROA 1.58 1.65 1.55 1.36 1.07 1.50 1.58 1.07 0.67 0.78 1.00 (0.8) pt
ROIC 17.66 15.21 4.54 10.28 6.00 46.32 7.06 10.36 3.82 4.57 6.37 (13.1) pt
ROE 11.05 11.43 11.29 10.02 7.88 12.71 13.52 8.53 5.23 6.20 7.93 (4.9) pt
People
People Employees 177 203 365 355 371 365 379 376 372 369 — +8.5%
Revenue/emp, $m 0.44 0.43 0.31 0.45 0.41 0.45 0.51 0.63 0.62 0.64 — +4.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

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
AVBC Avidia Bancorp, Inc. $460.3M 23.9× 15.4× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
CBK Commercial Bancgroup, Inc. $459.6M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
SUPV Grupo Supervielle S.A. $448.8M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
PLBC Plumas Bancorp $443.9M 10.4× 10.7× +5.59% (above 0%: growing) +121.62% (above 0%: growing) +204.74% (above 0%: growing) 86.67% 0.00% Compare
RBB RBB Bancorp $441.6M 10.5× 10.1× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00%
PCB PCB Bancorp $435.1M 10.2× 9.9× +2.13% (above 0%: growing) +8.86% (above 0%: growing) −6.30% (below 0%: shrinking) 57.79% 0.00% Compare
CHMG Chemung Financial Corp $420.5M 10.7× 10.1× +6.14% (above 0%: growing) +62.35% (above 0%: growing) −3.80% (below 0%: shrinking) 75.38% 0.00% Compare
CZFS Citizens Financial Services Inc. $420.0M 9.6× 9.8× +8.19% (above 0%: growing) +18.66% (above 0%: growing) +84.04% (above 0%: growing) 66.14% 0.00% Compare
FCBM FIRST CAROL FIN $419.4M — — — — — 60.28% 0.00% Compare
Median of peers $439.5M 10.5× 10.4× +5.48% +13.76% +28.43% 69.97% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 April 2026

Ownership

Directors and executive officers, together 6.78%
FJ Capital Management, LLC 8.85%
BlackRock, Inc. 6.24%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

RBB Bancorp (RBB) Latest News

21 Oct

Impact 3 · · The Motley Fool

20 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · Moby

19 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press earnings

14 Oct

Impact 3 · · Zacks

12 Oct

Impact 3 · · Zacks

21 Jul

Impact 3 ·
Impact 3 · · MarketBeat
Impact 3 · · Moby

20 Jul

Impact 3 ·

13 Jul

Impact 3 ·

15 Jun

Impact 3 ·

28 Apr

Impact 3 · · Zacks

22 Apr

Impact 4 · · GuruFocus.com

21 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

20 Apr

Impact 4 ·
Impact 4 ·
Impact 3 ·

14 Apr

Impact 4 · · The Motley Fool transcript

2 Feb

Impact 4 · · Zacks
Impact 3 · · Zacks

27 Jan

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat transcript

26 Jan

Impact 3 · · Zacks
stockrow.com/RBB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com