RBB Financial Services

RBB Bancorp

$25.81-1.30%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 436.6M USD
Full-time employees: 369

Overall health

Strength: growing faster than most peersgrowing faster than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: less profitable than most peersless profitable than peers

Ranks #128 of 791 banks & insurance companies (top 17%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock-based pay is a large cost. Stock pay was 34% of revenue in 2025.
RBB Bancorp paid employees $2M in stock in 2025, 34% of its $5M revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.
Annual revenue fell three years running. Fiscal-year revenue down each year from 2022 to 2025.
RBB Bancorp's fiscal-year revenue declined in each of the three years to 2025.
Share count shrinking. Shares outstanding down 11% from December 2022 to July 2026.
RBB Bancorp had 11% fewer shares at July 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.
More volatile share price. Beta 1.02: tends to move more than the market.
RBB Bancorp's shares have swung more with the market than most peers' (beta 1.02, above the market's 1.0).

StockQuotient Score

66/ 100

Oct 5 67 → Nov 4 66 (-1)

Valuation

Is the price right?

75/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ P/B
▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield122.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.51Sector median: 0.7950 · MAD: 0.2843

Earnings yield9.6%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.66Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield12.6%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

91/100

Strong

1/1 inputs reported · High confidence

Since last quarter: ▼ Weaker

12-month revenue fell 5.4%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth85.1%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 3.89Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.2%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth19.1%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

32/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.32Sector median: 0.0117 · MAD: 0.0062

Return on equity7.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.76Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about RBB Bancorp

Is RBB Bancorp getting weaker?: Its latest SEC filing (Aug 7, 2026) got weaker in some ways: 12-month revenue fell 5.4%. Its overall score is unchanged at 66/100 since Oct 28, 2026.
How is RBB Bancorp valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 75/100 against 950 banks & insurance peers. Book yield 122.6% vs a peer median of 79.5% (stronger than 79% of peers).Book yield 122.6% vs peers 79.5% (stronger than 79% of peers).
Is RBB Bancorp growing?: Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 85.1% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 85.1% vs peers 16.0% (stronger than 91% of peers).
How profitable is RBB Bancorp?: Less profitable than most of its peers. Profitability scores 32/100 against 950 banks & insurance peers. Return on equity 7.8% vs a peer median of 10.7% (weaker than 71% of peers).Return on equity 7.8% vs peers 10.7% (weaker than 71% of peers).
How risky is RBB Bancorp?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 7, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

12-month revenue fell 5.4%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	6.1M USD	5.8M USD	−5.4%
Net income (12 months)	41.0M USD	41.8M USD	+2.0%
Debt	120.0M USD	120.0M USD	0.0%
Cash	196.9M USD	283.0M USD	+43.7%
Shares outstanding	16.9M	16.9M	−0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	805.2%	1153.0%	797.9%	503.8%	618.3%	▲ 115 pts
Return on assets (ROA)	1.3%	1.6%	1.1%	0.7%	0.8%	▲ 0.1 pts
Return on equity (ROE)	12.2%	13.3%	8.3%	5.3%	6.1%	▲ 0.9 pts
Debt to equity	0.37×	0.36×	0.23×	0.24×	0.23×	▼ 2.7%

RBB price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: less profitable than most peersless profitable than peers

Ranks #128 of 791 banks & insurance companies (top 17%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock-based pay is a large cost. Stock pay was 34% of revenue in 2025.

RBB Bancorp paid employees $2M in stock in 2025, 34% of its $5M revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.

Annual revenue fell three years running. Fiscal-year revenue down each year from 2022 to 2025.

RBB Bancorp's fiscal-year revenue declined in each of the three years to 2025.

Share count shrinking. Shares outstanding down 11% from December 2022 to July 2026.

RBB Bancorp had 11% fewer shares at July 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.

More volatile share price. Beta 1.02: tends to move more than the market.

RBB Bancorp's shares have swung more with the market than most peers' (beta 1.02, above the market's 1.0).

Questions investors ask about RBB Bancorp

Is RBB Bancorp getting weaker?

Its latest SEC filing (Aug 7, 2026) got weaker in some ways: 12-month revenue fell 5.4%. Its overall score is unchanged at 66/100 since Oct 28, 2026.

How is RBB Bancorp valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 75/100 against 950 banks & insurance peers. Book yield 122.6% vs a peer median of 79.5% (stronger than 79% of peers).Book yield 122.6% vs peers 79.5% (stronger than 79% of peers).

Is RBB Bancorp growing?

Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 85.1% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 85.1% vs peers 16.0% (stronger than 91% of peers).

How profitable is RBB Bancorp?

Less profitable than most of its peers. Profitability scores 32/100 against 950 banks & insurance peers. Return on equity 7.8% vs a peer median of 10.7% (weaker than 71% of peers).Return on equity 7.8% vs peers 10.7% (weaker than 71% of peers).

How risky is RBB Bancorp?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

6.1M USD

5.8M USD

−5.4%

Net income (12 months)

41.0M USD

41.8M USD

+2.0%

Debt

120.0M USD

120.0M USD

0.0%

Cash

196.9M USD

283.0M USD

+43.7%

Shares outstanding

16.9M

16.9M

−0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

805.2%

1153.0%

797.9%

503.8%

618.3%

▲ 115 pts

Return on assets (ROA)

1.3%

1.6%

1.1%

0.7%

0.8%

▲ 0.1 pts

Return on equity (ROE)

12.2%

13.3%

8.3%

5.3%

6.1%

▲ 0.9 pts

Debt to equity

0.37×

0.36×

0.23×

0.24×

0.23×

▼ 2.7%