RBB Bancorp (RBB) AI Stock Analysis

RBB Bancorp operates as the bank holding company for Royal Business Bank, serving the financial needs of Chinese-American, Korean-American, and other Asian-American communities. Headquartered in Los Angeles, California, the bank offers deposit products such as checking, savings, money market accounts, and certificates of deposit. Its lending portfolio includes commercial and industrial lines of credit, term loans, mortgage warehouse lines, international trade discounts, and commercial real estate loans. Additionally, RBB Bancorp provides residential, commercial, and land acquisition and development construction loans, small business administration (SBA) loans, single-family residential mortgages, and international banking services to support global trade.

Between FY2021 and FY2025, RBB Bancorp expanded revenue from $165.8M to $238.0M, delivering a 5-year revenue CAGR of 9.2%. Annual revenue peaked in FY2023 at $236.1M before dipping 1.8% in FY2024 to $232.0M and rebounding 2.6% in FY2025. Operating margin declined from 48.8% in FY2021 to 15.4% in FY2024, before improving to 17.7% in FY2025, alongside net income of $31.9M and net margin of 13.4%. For the latest quarter ended June 30, 2026, quarterly revenue grew 17.3% year-over-year, while quarterly earnings grew 13.5%. Over the trailing twelve months, revenue was $131.7M with an operating margin of 44.8% and EPS of $2.43.

As of June 30, 2026, RBB Bancorp held total assets of $4.28B, with $25.4M in cash and short-term investments against total debt of $319.3M, yielding net debt of $294.0M. Shareholders' equity stood at $535.2M, reflecting a debt-to-equity ratio of 0.60 and a current ratio of 0.01. During FY2025, the bank generated $43.4M in operating cash flow and $42.6M in free cash flow. It allocated capital toward $798,000 in capital expenditures, $14.2M in share buybacks, and $11.3M in dividends paid.

RBB Bancorp trades at a trailing P/E of 10.6x, below the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 12.2x sits above the peer median of 10.8x. The bank's price-to-sales ratio is 3.3x, compared to the peer median of 3.2x, while its price-to-book ratio is 0.8x with an enterprise value of $471.4M. Over the past year, RBB's stock surged 57.5%, significantly outperforming the S&P 500 (SPY) return of 16.8%, although its 5-year return of 17.8% trails the index's 83.0% gain.

RBB Bancorp pays an annual forward dividend of $0.64 per share, translating to a dividend yield of 2.48% with a quarterly payout frequency. The dividend is supported by a payout ratio of 26.3% and has been paid for 10 consecutive years. Over the past five years, the bank has achieved an annualized dividend growth rate of 14.2%, with its last ex-dividend date on July 31, 2026.

Wall Street coverage consists of 1 Strong Buy and 4 Hold ratings across 5 analysts. The mean price target of $28.30 implies a 9.9% upside compared to the last close of $25.75 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.38 (up 30.2%) on revenue of $136.9M. The company beat EPS estimates in all 4 of its last four quarters, with its next earnings date scheduled for October 19, 2026.

This page is an AI-written research summary of RBB Bancorp (RBB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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