RBB Bancorp logo

RBB Bancorp

RBB

NASDAQFinancial ServicesBanks - Regional

Previous close

$26.64

+$0.05 · +0.19%

Aug 21, 4:00 PM ET

Pre-market

$26.5537

−$0.0863 · -0.32%

Aug 24, 6:57 AM ET

RBB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

62

Gaining

Sentiment

69

Bullish

Risk resilience

73

Moderate Risk

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Company profile

Company website

RBB Bancorp, founded in 2008 and headquartered in Los Angeles, California, functions as the parent entity for Royal Business Bank. The bank specializes in offering a comprehensive suite of financial products and banking services primarily to the Chinese-American, Korean-American, and other Asian-American populations. Its deposit offerings include checking, savings, and money market accounts, along with certificates of deposit. For lending, RBB Bancorp provides commercial and industrial lines of credit, term loans, mortgage warehouse facilities, and international trade discount financing. The institution also funds commercial real estate transactions, residential and commercial development, land acquisition, and construction projects, alongside offering Small Business Administration (SBA) loans and single-family residential mortgages. Furthermore, the bank delivers international banking services such as letters of credit, SWIFT transfers, export advisory, trade finance discounts, and foreign exchange. Modern conveniences like remote deposit, online banking, and mobile banking are also available. Its diverse client base spans individuals, businesses, municipalities, and various other organizations. As of December 31, 2021, RBB Bancorp maintained a network of 23 branch locations, situated in the Western region across Los Angeles, Orange, and Ventura Counties in California, Clark County in Nevada, and Honolulu, Hawaii, as well as in the Eastern region, including Manhattan, Brooklyn, and Queens in New York, Chicago, Illinois, and Edison, New Jersey.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Johnny Lee
Listed since
Jul 26, 2017
Employees
369

Market position

Day range

Current $26.64

52-week range

Current $26.64

Open
$26.43
Previous close
$26.59
Volume
90.86K
0.56× average
Average volume
162.66K
Average daily volume
Market cap
451.17M USD
Beta
1.02
Market reference 1
50-day average
$26.6104
+0.11% above average
200-day average
$23.0263
+15.69% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
639.71M USD
P/E (TTM)
10.92×
P/B (TTM)
0.85×
P/S (TTM)
1.86×
EV / EBITDA
13.12×
Earnings yield
9.08%
Free cash flow yield
12.10%
Dividend yield
2.40%

Profitability & efficiency

Gross margin
54.45%
Operating margin
23.06%
Net margin
17.26%
Return on equity
6.10%
Return on assets
0.76%
Return on invested capital
3.72%

Financial health

Debt / equity
0.6×
Current ratio
0.13×
Altman Z-score
0.28
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%62%33%4%Gross margin, FY2021: 83.91%Gross margin, FY2022: 81.01%Gross margin, FY2023: 55.44%Gross margin, FY2024: 45.19%Gross margin, FY2025: 49.91%Operating margin, FY2021: 48.81%Operating margin, FY2022: 47.71%Operating margin, FY2023: 25.51%Operating margin, FY2024: 15.38%Operating margin, FY2025: 17.70%Net margin, FY2021: 34.32%Net margin, FY2022: 33.60%Net margin, FY2023: 17.98%Net margin, FY2024: 11.49%Net margin, FY2025: 13.42%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 83.91%. Gross margin FY2022 81.01%. Gross margin FY2023 55.44%. Gross margin FY2024 45.19%. Gross margin FY2025 49.91%. Operating margin FY2021 48.81%. Operating margin FY2022 47.71%. Operating margin FY2023 25.51%. Operating margin FY2024 15.38%. Operating margin FY2025 17.70%. Net margin FY2021 34.32%. Net margin FY2022 33.60%. Net margin FY2023 17.98%. Net margin FY2024 11.49%. Net margin FY2025 13.42%.

Income trends

Revenue

238M USD+2.59%

Operating income

42.13M USD+18.09%

Net income

31.95M USD+19.81%
Income trends across reported periods259.13M USD174.6M USD90.07M USD5.53M USDRevenue, FY2021: 165.81M USDRevenue, FY2022: 191.47M USDRevenue, FY2023: 236.13M USDRevenue, FY2024: 232M USDRevenue, FY2025: 238M USDOperating income, FY2021: 80.94M USDOperating income, FY2022: 91.35M USDOperating income, FY2023: 60.25M USDOperating income, FY2024: 35.68M USDOperating income, FY2025: 42.13M USDNet income, FY2021: 56.91M USDNet income, FY2022: 64.33M USDNet income, FY2023: 42.47M USDNet income, FY2024: 26.67M USDNet income, FY2025: 31.95M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 165.81M USD. Revenue FY2022 191.47M USD. Revenue FY2023 236.13M USD. Revenue FY2024 232M USD. Revenue FY2025 238M USD. Operating income FY2021 80.94M USD. Operating income FY2022 91.35M USD. Operating income FY2023 60.25M USD. Operating income FY2024 35.68M USD. Operating income FY2025 42.13M USD. Net income FY2021 56.91M USD. Net income FY2022 64.33M USD. Net income FY2023 42.47M USD. Net income FY2024 26.67M USD. Net income FY2025 31.95M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue238M USD232M USD236.13M USD191.47M USD165.81M USD
Cost of goods sold119.2M USD127.15M USD105.22M USD36.35M USD26.68M USD
Gross profit118.8M USD104.84M USD130.91M USD155.11M USD139.13M USD
Selling, general, and administrative46.61M USD44.34M USD43.02M USD40M USD37.41M USD
Operating expenses76.66M USD69.16M USD70.66M USD63.77M USD58.19M USD
Interest income220.15M USD215.35M USD220.02M USD180.03M USD146.19M USD
Interest expense108.84M USD117.3M USD101.86M USD31.42M USD22.72M USD
Depreciation and amortization6.64M USD9.25M USD9.63M USD11.02M USD13.54M USD
Operating income42.13M USD35.68M USD60.25M USD91.35M USD80.94M USD
Net income31.95M USD26.67M USD42.47M USD64.33M USD56.91M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+12.35%
11 comparable reports
Latest EPS result
0.59
Estimate 0.54 · Beat by 10.07%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.70.510.310.11Q1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 3, 2025: actual 0.25, estimate 0.36, surprise -30.56%, Miss. Q2 2025, reported Apr 28, 2025: actual 0.13, estimate 0.38, surprise -65.79%, Miss. Q3 2025, reported Jul 21, 2025: actual 0.52, estimate 0.36, surprise +44.44%, Beat. Q4 2025, reported Oct 20, 2025: actual 0.59, estimate 0.41, surprise +43.90%, Beat. Q1 2026, reported Jan 26, 2026: actual 0.59, estimate 0.49, surprise +20.41%, Beat. Q2 2026, reported Apr 20, 2026: actual 0.66, estimate 0.45, surprise +46.67%, Beat. Q3 2026, reported Jul 20, 2026: actual 0.59, estimate 0.536, surprise +10.07%, Beat. Q4 2026, reported Oct 19, 2026: actual —, estimate 0.57, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates36.14M33M29.87M26.73MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 3, 2025: actual 28.71M USD, estimate 28.12M USD, surprise +2.10%, Beat. Q2 2025, reported Apr 28, 2025: actual 28.46M USD, estimate 28.93M USD, surprise -1.64%, Miss. Q3 2025, reported Jul 21, 2025: actual 29.7M USD, estimate 29.62M USD, surprise +0.28%, Beat. Q4 2025, reported Oct 20, 2025: actual 31.95M USD, estimate 33.2M USD, surprise -3.79%, Miss. Q1 2026, reported Jan 26, 2026: actual 32.32M USD, estimate 32.38M USD, surprise -0.22%, Miss. Q2 2026, reported Apr 20, 2026: actual 34.75M USD, estimate 32.38M USD, surprise +7.32%, Beat. Q3 2026, reported Jul 20, 2026: actual 33.1M USD, estimate 33.17M USD, surprise -0.19%, Miss. Q4 2026, reported Oct 19, 2026: actual —, estimate 34.51M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$29.00

8.86% upside
Past 12 months12-month forecastHigh $29.00Average $29.00Low $29.00

Rating distribution

7 ratings
Strong buy00%
Buy114%
Hold686%
Sell00%
Strong sell00%

RBB peers

ETFs holding RBB

Funds reporting this stock among their holdings, ordered by reported position size.

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