StockData
RBB Bancorp logo

RBB Bancorp (RBB) stock analysis

RBBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 7/30
$26.00−0.09 (-0.34%)

Close on Nov 11, 2026Market cap $439.82MP/E 10.1Yield 2.46%

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth1Performance0Health4Dividend1

Weak7 of 30 checks passed

RBB Bancorp passes 7 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
1/6
Past performance
0/6
Financial health
4/6
Dividend
1/6

What stands out

  • P/E below the industry

    RBB Bancorp's P/E of 10.1 is below the Commercial Banks median of 12.1.

  • Loans funded by deposits

    Loans equal 98.8% of deposits, so lending is funded by customer deposits.

  • Growing faster than the industry

    Revenue grew 17.4% over the last twelve months; the Commercial Banks median is 11.3%.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.3% of loans; we look for at least 1%.

What to watch

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -18.1% a year over the last three fiscal years.

  • P/E above its 5-year median

    RBB Bancorp's P/E of 10.1 is above its own 5-year median of 9.6.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

Valuation1/6

  • P/E above its 5-year median

    RBB Bancorp's P/E of 10.1 is above its own 5-year median of 9.6.

  • P/E below the industry

    RBB Bancorp's P/E of 10.1 is below the Commercial Banks median of 12.1.

  • P/S above the industry

    RBB Bancorp's price-to-sales of 76.13 is above the Commercial Banks median of 3.60.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -2.5% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -18.1% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 17.4% over the last twelve months; the Commercial Banks median is 11.3%.

  • Guidance issued

    The latest outlook (2026 effective tax rate, Oct 19, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets

    Needs net income and total assets.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health4/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Loans equal 98.8% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.3% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 56.0% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 0.9% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend1/6

  • Pays a dividend

    RBB Bancorp paid dividends worth 2.5% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.5% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; RBB Bancorp yields 2.5%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for RBB Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.6
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$2.47M
Value traded per 1% price move
$2.90M

Downside

Low risk

Typical loss in a bad month
6.0%
Volatility (annualized)
23%
Sharpe ratio, 1 year
1.32
Beta to the S&P 500 (5Y)
0.78

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2014 to 2025

Net margin

–

See a number that looks wrong?