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RBB

BULLISH
$22.87 Live
RBB Bancorp · NASDAQ
Target $22.6 (-1.2%)
$14.4 52W Range $23.14

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026
Market cap
$390.49M
P/E
12.5
ROE
6.2%
Profit margin
28.1%
Debt/Equity
N/A
Dividend yield
2.8%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
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).

Key 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%)
Sustainable dividend profile with a conservative payout ratio of 34.97%
Strong quarterly earnings surprise track record (Average 21.27% over last 4 quarters)

Key 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
Analyst target price ($22.60) is slightly below the current market price
Regional bank sector exposure to interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
+68.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
74
Strong
Value
95
Future
88
Past
70
Health
50
Dividend
65
AI Verdict
Strong Value Play
Key drivers: P/B Ratio < 1.0, Massive Earnings Growth, Price vs Graham Number Gap
Confidence
80%
Value
95/100

Ref P/E 12.5, P/B 0.75, Graham Number $35.54

Positives
  • P/E of 12.5 is low for the growth rate
  • Price is ~36% below Graham Number
  • P/B of 0.75 indicates deep value
Watchpoints
  • Analyst target price is conservative
Future
88/100

Ref Growth rates

Positives
  • 140.8% YoY Earnings Growth
  • 39.7% YoY Revenue Growth
Watchpoints
  • Low ROE may limit long-term compounding
Past
70/100

Ref Historical trends

Positives
  • Consistent earnings beats over 25 quarters
  • Strong 1Y price performance (+57.1%)
Watchpoints
  • Significant earnings miss in April 2025
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Piotroski F-Score of 4/9 is stable
Watchpoints
  • F-Score is not in the 'Strong' range (7-9)
  • Low ROA (0.78%)
Dividend
65/100

Ref Yield 2.8%, Payout 34.97%

Positives
  • Safe payout ratio (34.97%)
  • Consistent dividend rate
Watchpoints
  • Yield (2.8%) is modest for a value bank

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$22.87
Analyst Target
$22.6
Upside/Downside
-1.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RBB and closest competitors.

Updated 2026-04-17
RBB
RBB Bancorp
Primary
5Y
+32.9%
3Y
+86.6%
1Y
+57.1%
6M
+36.5%
1M
+11.7%
1W
+1.1%
BGR
BlackRock Energy and Resources Trust
Peer
5Y
+168.3%
3Y
+43.1%
1Y
+22.1%
6M
+17.5%
1M
+12.3%
1W
+2.4%
IST
Investar Holding Corporation
Peer
5Y
+52.2%
3Y
+128.3%
1Y
+84.4%
6M
+30.1%
1M
+5.9%
1W
+4.0%
GLA
Gladstone Capital Corporation
Peer
5Y
+25.5%
3Y
+25.6%
1Y
-23.1%
6M
-7.3%
1M
-2.7%
1W
-2.6%
LX
LexinFintech Holdings Ltd.
Peer
5Y
-70.2%
3Y
+7.5%
1Y
-66.8%
6M
-54.6%
1M
-11.9%
1W
0.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.5
Forward P/E
9.84
PEG Ratio
N/A
P/B Ratio
0.75
P/S Ratio
3.44
EV/Revenue
4.12
EV/EBITDA
N/A
Market Cap
$390.49M

Profitability

Profit margins and return metrics

Profit Margin 28.12%
Operating Margin 42.58%
Gross Margin N/A
ROE 6.2%
ROA 0.78%

Growth

Revenue and earnings growth rates

Revenue Growth +39.7%
Earnings Growth +140.8%
Q/Q Revenue Growth +12.57%
Q/Q Earnings Growth +132.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$12.48

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
31.5%
Total Assets
$4.2B
Liabilities
$3.7B
Equity
$0.5B
Debt/Equity
7.04x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-20
$N/A
2026-01-26
$0.59
+20.4% surprise
2025-10-20
$0.59
+43.9% surprise
2025-07-21
$0.36
-0.5% surprise

Financial Services Sector Comparison

Comparing RBB against 500 companies in the Financial Services sector (90 bullish, 207 neutral, 203 bearish)
P/E Ratio
12.5
This Stock
vs
45.14
Sector Avg
-72.3% (Discount)
Return on Equity (ROE)
6.2%
This Stock
vs
-0.0%
Sector Avg
-144629.4% (Below Avg)
Profit Margin
28.12%
This Stock
vs
48.63%
Sector Avg
-42.2% (Weaker)
Revenue Growth
39.7%
This Stock
vs
36.71%
Sector Avg
+8.2% (Growing)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

LIU VINCENT
Officer
Option Exercise
2026-03-20
1,835 shares · $37,489
FAN GARY
Chief Operating Officer
Option Exercise
2026-03-20
1,315 shares · $26,865
YEH JEFFREY
Officer
Option Exercise
2026-03-20
1,326 shares · $27,090
MORRIS DAVID RICHARD
Director
Option Exercise
2026-03-20
3,164 shares · $64,641
LEE JOHNNY C
Chief Executive Officer
Option Exercise
2026-03-20
2,740 shares · $55,978
HOPKINS LYNN M.
Chief Financial Officer
Option Exercise
2026-03-20
1,878 shares · $38,368
LIU VINCENT
Officer
Option Exercise
2026-02-20
932 shares · $20,690
CHANG ASHLEY
Officer
Option Exercise
2026-02-20
667 shares · $14,807
FAN GARY
Chief Operating Officer
Option Exercise
2026-02-20
1,011 shares · $22,444
YEH JEFFREY
Officer
Option Exercise
2026-02-20
922 shares · $20,468
MORRIS DAVID RICHARD
Director
Option Exercise
2026-02-20
2,225 shares · $49,395
HUANG TSU TE
Officer
Option Exercise
2026-02-20
744 shares · $16,517
LEE JOHNNY C
Chief Executive Officer
Option Exercise
2026-02-20
1,098 shares · $24,376
LIU VINCENT
Officer
Option Exercise
2026-01-16
1,203 shares · $25,937
CHANG ASHLEY
Officer
Option Exercise
2026-01-16
575 shares · $12,397
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
FORM DEF 14A
2026-04-10

RBB filed a definitive proxy statement on April 10, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K
FORM 8-K
2026-04-06

RBB filed an 8-K likely to announce its first-quarter financial results for 2026.

10-K
FORM 10-K
2026-03-09

RBB filed its annual Form 10-K on March 9, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
FORM 8-K
2026-01-27

RBB likely filed this 8-K to announce its quarterly financial results.

10-Q
FORM 10-Q
2025-11-07

As of September 30, 2025, RBB Bancorp reported total assets of $4.2 billion, gross loans held for investment of $3.3 billion, total deposits of $3.4 billion, and total shareholders' equity of $514.3 million. The company operates as a minority depository institution providing business-banking services predominantly to Asian-centric communities. Specific risk factors were not detailed in the provided excerpts.

8-K
FORM 8-K
2025-10-21
10-Q
FORM 10-Q
2025-08-08

As of June 30, 2025, RBB Bancorp reported total assets of $4.1 billion, with gross loans held for investment and total deposits both totaling $3.2 billion and shareholders' equity of $517.7 million. The company operates as a Minority Depository Institution providing business-banking services predominantly to Asian-centric communities across several U.S. markets. No specific risk factors were detailed in the provided excerpts.

8-K
FORM 8-K
2025-07-22

RBB filed an 8-K on July 22, 2025, likely to report its second-quarter financial results.

8-K
FORM 8-K
2025-05-29
8-K
FORM 8-K
2025-05-23
10-Q
FORM 10-Q
2025-05-12
8-K
FORM 8-K
2025-04-29
8-K
FORM 8-K
2025-04-18
DEF 14A
FORM DEF 14A
2025-04-11
8-K
FORM 8-K
2025-04-11
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
HOLD
5 analysts
Piper Sandler
2025-10-22
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2025-10-22
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning RBB from our newsroom.

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