📊 RBB Key Takeaways
Is RBB Bancorp (RBB) a Good Investment?
RBB Bancorp exhibits a structurally weak profitability profile with ROE of only 6.1% and ROA of 0.8%, well below banking industry standards, indicating poor capital efficiency despite a fortress balance sheet. The collapse in net interest income (down 97.7% YoY) combined with minimal net yield generation relative to a $4.2B asset base suggests either deteriorating asset quality, severely compressed interest margins, or unfavorable business mix that cannot support equity returns above risk-free rates.
Why Buy RBB Bancorp Stock? RBB Key Strengths
- Very conservative capital structure with 0.23x debt-to-equity ratio and only $119.9M long-term debt against $523.4M equity
- Strong interest coverage ratio of 8.8x indicates adequate debt servicing capacity
- Positive free cash flow of $42.6M demonstrates ability to generate cash despite operational challenges
RBB Stock Risks: RBB Bancorp Investment Risks
- ROE of 6.1% is significantly below banking industry norms of 10-15%, indicating poor returns on shareholder capital
- ROA of 0.8% at low end of acceptable range suggests underperforming asset base or management efficiency issues
- Net interest income collapsed 97.7% YoY, indicating structural margin compression or asset quality deterioration that may be temporary or permanent
Key Metrics to Watch
- Net interest margin trend and absolute net interest income recovery vs. asset base growth
- ROE progression toward 8-10% minimum threshold for capital efficiency
- Asset quality metrics (NPL ratio, charge-offs) to determine if revenue decline is temporary or structural
RBB Bancorp (RBB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 824.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
RBB Profit Margin, ROE & Profitability Analysis
RBB vs Finance Sector: How RBB Bancorp Compares
How RBB Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is RBB Bancorp Stock Overvalued? RBB Valuation Analysis 2026
Based on fundamental analysis, RBB Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
RBB Bancorp Balance Sheet: RBB Debt, Cash & Liquidity
RBB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: RBB Bancorp's revenue has declined by 25% over the 5-year period, indicating business contraction. The most recent EPS of $2.24 reflects profitable operations.
RBB Revenue Growth, EPS Growth & YoY Performance
RBB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.3M | $7.0M | $0.39 |
| Q2 2025 | $1.1M | $2.3M | $0.13 |
| Q1 2025 | $1.1M | $2.3M | $0.13 |
| Q3 2024 | $1.3M | $7.0M | $0.39 |
| Q2 2024 | $1.3M | $7.2M | $0.39 |
| Q1 2024 | $1.2M | $8.0M | $0.43 |
| Q3 2023 | $1.2M | $8.5M | $0.45 |
| Q2 2023 | $1.4M | $10.9M | $0.58 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
RBB Bancorp Dividends, Buybacks & Capital Allocation
RBB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for RBB Bancorp (CIK: 0001499422)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RBB
What is the AI rating for RBB?
RBB Bancorp (RBB) has an AI rating of SELL with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RBB's key strengths?
Claude: Very conservative capital structure with 0.23x debt-to-equity ratio and only $119.9M long-term debt against $523.4M equity. Strong interest coverage ratio of 8.8x indicates adequate debt servicing capacity.
What are the risks of investing in RBB?
Claude: ROE of 6.1% is significantly below banking industry norms of 10-15%, indicating poor returns on shareholder capital. ROA of 0.8% at low end of acceptable range suggests underperforming asset base or management efficiency issues.
What is RBB's revenue and growth?
RBB Bancorp reported revenue of $5.2M.
Does RBB pay dividends?
RBB Bancorp pays dividends, with $11.3M distributed to shareholders in the trailing twelve months.
Where can I find RBB SEC filings?
Official SEC filings for RBB Bancorp (CIK: 0001499422) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RBB's EPS?
RBB Bancorp has a diluted EPS of $1.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is RBB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, RBB Bancorp has a SELL rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is RBB stock overvalued or undervalued?
Valuation metrics for RBB: ROE of 6.1% (sector avg: 12%), net margin of 618.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy RBB stock in 2026?
Our dual AI analysis gives RBB Bancorp a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is RBB's free cash flow?
RBB Bancorp's operating cash flow is $43.4M, with capital expenditures of $798.0K. FCF margin is 824.3%.
How does RBB compare to other Finance stocks?
Vs Finance sector averages: Net margin 618.3% (avg: 25%), ROE 6.1% (avg: 12%), current ratio N/A (avg: 1.2).