📊 RBB Key Takeaways
Is RBB Bancorp (RBB) a Good Investment?
RBB Bancorp exhibits severe operational deterioration with revenue collapsing 97.7% YoY despite maintaining a $4.2B asset base, indicating fundamental business challenges. Profitability metrics are critically weak with ROE of 2.1% and ROA of 0.3%, well below healthy banking benchmarks, suggesting the institution is struggling to generate adequate returns on its capital base. While debt metrics and interest coverage remain adequate, the combination of collapsing top-line revenue and persistently anemic returns signals underlying operational dysfunction.
RBB Bancorp Key Strengths (RBB)
- Strong interest coverage ratio of 13.1x indicates ability to service debt obligations
- Moderate leverage with debt-to-equity of 0.23x, appropriate for banking sector
- Positive operating cash flow of $19.4M demonstrates some liquidity generation
RBB Stock Risks: RBB Bancorp Investment Risks
- Catastrophic 97.7% YoY revenue decline signals major operational disruption or structural business challenges
- ROE of 2.1% and ROA of 0.3% are critically low, indicating poor capital efficiency and returns generation
- Flat net income growth despite EPS growth suggests reliance on share buybacks rather than earnings expansion
Key Metrics to Watch
- Quarterly revenue trends to confirm whether decline is stabilizing or accelerating
- Return on equity trend - critical need to return to 10%+ for banking viability
- Net interest margin and deposit composition to assess core lending health
RBB Bancorp (RBB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 898.8% 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 |
|---|---|---|---|
| Q1 2026 | $1.1M | $2.3M | $0.13 |
| 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 |
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 grade of C with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RBB's key strengths?
Claude: Strong interest coverage ratio of 13.1x indicates ability to service debt obligations. Moderate leverage with debt-to-equity of 0.23x, appropriate for banking sector.
What are the risks of investing in RBB?
Claude: Catastrophic 97.7% YoY revenue decline signals major operational disruption or structural business challenges. ROE of 2.1% and ROA of 0.3% are critically low, indicating poor capital efficiency and returns generation.
What is RBB's revenue and growth?
RBB Bancorp reported revenue of $2.1M.
Does RBB pay dividends?
RBB Bancorp pays dividends, with $2.8M 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 $0.66.
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 grade reflects both perspectives for balanced insights.
What is RBB's fundamental grade?
Based on our AI fundamental analysis in June 2026, RBB Bancorp has a C grade with 65% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is RBB stock overvalued or undervalued?
Valuation metrics for RBB: ROE of 2.1% (sector avg: 12%), net margin of 545.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is RBB's AI grade for 2026?
Our dual AI analysis gives RBB Bancorp a combined C grade 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 $19.4M, with capital expenditures of $798.0K. FCF margin is 898.8%.
How does RBB compare to other Finance stocks?
Vs Finance sector averages: Net margin 545.1% (avg: 25%), ROE 2.1% (avg: 12%), current ratio N/A (avg: 1.2).