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RBB vs WTBA

RBB
RBB Bancorp
NEUTRAL
Price
$24.18
Market Cap
$412.9M
Sector
Financial Services
AI Confidence
80%
WTBA
West Bancorporation, Inc.
NEUTRAL
Price
$24.48
Market Cap
$416.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
RBB
13.21
WTBA
11.83
Forward P/E
RBB
10.4
WTBA
8.59
P/B Ratio
RBB
0.79
WTBA
1.56
P/S Ratio
RBB
3.63
WTBA
4.38
EV/EBITDA
RBB
--
WTBA
--

Profitability

Gross Margin
RBB
0.0%
WTBA
0.0%
Operating Margin
RBB
36.14%
WTBA
43.15%
Profit Margin
RBB
28.12%
WTBA
34.19%
ROE
RBB
6.2%
WTBA
13.19%
ROA
RBB
0.78%
WTBA
0.8%

Growth

Revenue Growth
RBB
--
WTBA
17.4%
Earnings Growth
RBB
--
WTBA
3.3%

Financial Health

Debt/Equity
RBB
--
WTBA
--
Current Ratio
RBB
--
WTBA
--
Quick Ratio
RBB
--
WTBA
--

Dividends

Dividend Yield
RBB
2.79%
WTBA
4.08%
Payout Ratio
RBB
34.97%
WTBA
48.31%

AI Verdict

RBB NEUTRAL

RBB Bancorp presents a complex value proposition with a stable Piotroski F-Score of 4/9 and a Graham Number of $35.54, suggesting significant defensive undervaluation. However, this is countered by a low growth-based intrinsic value of $12.81 and a bearish technical trend score of 10/100. While the company shows explosive YoY EPS growth and trades below book value (P/B 0.79), the low ROE of 6.2% and neutral insider sentiment suggest a lack of strong internal conviction. The stock is currently trading at a equilibrium point between its defensive fair value and its growth-based intrinsic value.

Strengths
Trading at a discount to book value (P/B 0.79)
Strong earnings track record with 3/4 recent beats and high average surprise (36.78%)
Low P/E ratio (13.21) and Forward P/E (10.40) relative to sector averages
Risks
Low Return on Equity (ROE) of 6.20% indicating inefficient capital usage
Significant gap between current price ($24.18) and growth-based intrinsic value ($12.81)
Bearish technical trend score (10/100) despite recent price gains
WTBA NEUTRAL

WTBA presents a valuation-driven opportunity tempered by deteriorating earnings momentum. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a current price ($24.48) trading slightly below both its Intrinsic Value ($24.74) and Graham Number ($27.04). While the dividend profile is strong and the P/E ratio is attractive, a significant recent Q/Q EPS decline of 21.8% and bearish insider activity suggest immediate headwinds.

Strengths
Trading below Graham Number ($27.04) and Intrinsic Value ($24.74)
Strong dividend yield of 4.08% with a sustainable payout ratio of 48.31%
Robust revenue growth (YoY 17.40%)
Risks
Sharp recent decline in earnings growth (Q/Q EPS growth -21.8%)
Bearish insider sentiment with recent director sales totaling $0.52M
Very weak technical trend (10/100), indicating strong downward momentum

Compare Another Pair

RBB vs WTBA: Head-to-Head Comparison

This page compares RBB Bancorp (RBB) and West Bancorporation, Inc. (WTBA) 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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