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GLAD vs RBB

GLAD
Gladstone Capital Corporation
BEARISH
Price
$17.44
Market Cap
$394.0M
Sector
Financial Services
AI Confidence
85%
RBB
RBB Bancorp
BULLISH
Price
$22.87
Market Cap
$390.5M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
GLAD
11.04
RBB
12.5
Forward P/E
GLAD
9.14
RBB
9.84
P/B Ratio
GLAD
0.83
RBB
0.75
P/S Ratio
GLAD
4.3
RBB
3.44
EV/EBITDA
GLAD
--
RBB
--

Profitability

Gross Margin
GLAD
100.0%
RBB
0.0%
Operating Margin
GLAD
73.11%
RBB
42.58%
Profit Margin
GLAD
38.91%
RBB
28.12%
ROE
GLAD
7.16%
RBB
6.2%
ROA
GLAD
4.96%
RBB
0.78%

Growth

Revenue Growth
GLAD
11.6%
RBB
39.7%
Earnings Growth
GLAD
-80.1%
RBB
140.8%

Financial Health

Debt/Equity
GLAD
0.8
RBB
--
Current Ratio
GLAD
1.65
RBB
--
Quick Ratio
GLAD
1.38
RBB
--

Dividends

Dividend Yield
GLAD
10.84%
RBB
2.8%
Payout Ratio
GLAD
122.47%
RBB
34.97%

AI Verdict

GLAD BEARISH

GLAD exhibits severe fundamental deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a technical trend of 0/100. While the stock appears cheap relative to its Graham Number ($27.41) and trades below book value (P/B 0.83), these metrics are overshadowed by a catastrophic -80.10% YoY earnings collapse and an unsustainable dividend payout ratio of 122.47%. The divergence between the defensive fair value and the growth-based intrinsic value ($11.06) suggests a value trap scenario where the market is pricing in declining earnings power.

Strengths
Trading below book value (P/B 0.83)
Strong operating margins (73.11%)
Positive YoY revenue growth (11.60%)
Risks
Unsustainable dividend payout ratio (122.47%)
Severe earnings contraction (-80.10% YoY)
Very weak Piotroski F-Score (2/9) indicating poor financial health
RBB BULLISH

RBB Bancorp presents a compelling deep-value opportunity, trading significantly below its Graham Number ($35.54) and Intrinsic Value ($53.98). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting explosive YoY earnings growth of 140.8% and revenue growth of 39.7%. The stock is fundamentally undervalued with a Price-to-Book ratio of 0.75, though it faces a stark contradiction between its strong fundamentals and a very bearish technical trend (10/100).

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Trading at a discount to book value (P/B 0.75)
Exceptional YoY earnings growth (140.8%) and revenue growth (39.7%)
Risks
Low Return on Equity (ROE) of 6.20% suggests inefficient capital utilization
Extremely bearish technical trend score (10/100)
Neutral to low insider sentiment (40/100) with no recent buy activity

Compare Another Pair

GLAD vs RBB: Head-to-Head Comparison

This page compares Gladstone Capital Corporation (GLAD) and RBB Bancorp (RBB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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