RBB Bancorp (RBB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

RBB Bancorp

NasdaqGS•Financial Services•Banks - Regional

$27.07+0.40(0.01%)Market closed

Market Cap

$453.87M

P/E

10.9x

P/S

1.9x

P/B

0.8x

RBB Bancorp operates as the bank holding company for Royal Business Bank that provides business-banking and consumer products and services to Asian-centric communities in the United States. The company offers deposit products, including checking, savings, money market, and time deposits; retail deposits; brokered deposits, collateralized deposits, and deposits acquired through internet listing services; and certificates of deposit. It also provides lending products, such as single-family residential, commercial real estate, construction and land development, commercial and industrial, and small business administration loans. In addition, the company offers remote deposit, E-banking, mobile banking, and treasury management services. It operates branches in Los Angeles County, California; Orange County, California; Ventura County, California; Honolulu, Hawaii. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.

How this company scores

WeakMetricSide Score: 68/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Profitability (18/25); weakest: Cash & Earnings Quality (16/25).

Profitability18/25

Growth18/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 4.1x – 14.0x

Currently near its 20-quarter median.

P/S · 1.9x5y range 1.1x – 3.1x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.5x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 7.6% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $453.87M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $241.92M
Q. Revenue: $60.18M
TTM EBITDA: $53.98M
TTM Op. Income: $46.66M
Q. Op. Income: $14.08M
TTM Net Income: $41.77M
Q. Net Income: $10.14M
EPS: $0.6
Shares Out.: $17.01M

$241.92M in TTM revenue grew 3.0% YoY, reaching $60.18M last quarter. TTM EBITDA of $53.98M and TTM operating income of $46.66M show growth is flowing through to the bottom line. TTM net income of $41.77M means revenue is converting into profit. Over the past year, TTM revenue is up 3% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 55.0%
EBITDA Margin: 27.9%
Op. Margin: 23.4%
Net Margin: 16.9%

Op. margin of 23.4% is down 1.0% YoY — costs are rising relative to revenue. Net margin at 16.9% and gross margin of 55.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 4% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 1.9x
P/B Ratio: 0.8x

At 10.9x P/E, the stock trades below typical market levels. P/S of 1.9x and P/B of 0.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 18% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.28B
Cash: $283.01M
Long-Term Debt: $120.00M
Book Value: $535.18M
D/E Ratio: 0.2
Debt/EBITDA: 7.1

With $4.28B in assets and $120.00M in long-term debt, D/E is 0.2and book value is $535.18M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $22.29M
TTM Free Cash Flow: $55.16M
FCF Margin: 22.8%
FCF / Net Income: 1.3

TTM FCF of $55.16M on $22.29M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.