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RBB Bancorp (RBB) Financials

RBB Bancorp logo
$27.13 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$27.12 -0.01 (-0.04%)
As of 07/2/2026 05:39 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for RBB Bancorp

Annual Income Statements for RBB Bancorp

This table shows RBB Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 13 19 26 36 39 33 57 64 42 27 32
Consolidated Net Income / (Loss)		 13 19 26 36 39 33 57 64 42 27 32
Net Income / (Loss) Continuing Operations		 13 19 26 36 39 33 57 64 42 27 32
Total Pre-Tax Income 		22 33 47 46 55 47 81 91 60 36 42
Total Revenue		 43 65 73 91 115 119 143 161 134 115 129
Net Interest Income / (Expense)		 36 56 60 78 97 105 124 150 119 99 112
Total Interest Income		 43 68 74 102 142 139 147 181 221 217 221
Loans and Leases Interest Income		 41 66 70 98 136 134 142 172 195 186 195
Investment Securities Interest Income		 1.03 1.67 1.88 2.35 2.65 2.97 3.38 6.08 14 14 17
Deposits and Money Market Investments Interest Income		 0.25 0.33 0.94 1.00 1.79 0.64 0.55 1.35 11 15 7.93
Federal Funds Sold and Securities Borrowed Interest Income		 0.21 0.30 1.00 0.63 1.05 1.05 0.69 1.50 0.99 1.03 0.95
Total Interest Expense		 6.94 12 14 24 45 34 23 31 102 117 109
Deposits Interest Expense		 6.94 8.94 10 17 34 25 12 19 89 108 97
Long-Term Debt Interest Expense		 0.00 2.76 3.67 6.69 11 9.16 11 9.65 9.95 6.70 6.52
Federal Funds Purchased and Securities Sold Interest Expense		 - - - - - - - 2.87 2.87 2.22 5.22
Total Non-Interest Income		 7.86 8.97 13 13 18 14 19 11 15 15 17
Other Service Charges		 1.57 2.37 2.83 3.53 7.46 6.72 7.69 7.28 11 8.89 12
Net Realized & Unrealized Capital Gains on Investments		 5.61 5.86 9.46 7.13 9.95 6.47 9.99 2.65 3.08 4.87 3.41
Other Non-Interest Income		 0.68 0.73 0.91 2.18 0.92 0.85 1.07 1.32 1.41 1.58 1.68
Provision for Credit Losses		 1.39 4.97 -1.05 4.47 2.39 12 3.96 4.94 3.36 9.86 10
Total Non-Interest Expense		 20 28 28 41 57 60 58 65 71 69 77
Salaries and Employee Benefits		 11 14 17 23 33 33 34 35 38 39 43
Net Occupancy & Equipment Expense		 3.89 5.12 4.56 6.88 13 14 13 14 15 16 17
Marketing Expense		 0.48 0.54 0.84 1.14 1.31 0.75 1.16 1.58 1.13 0.86 0.86
Property & Liability Insurance Claims		 1.72 1.57 0.33 2.29 3.33 4.14 3.77 5.38 8.20 4.45 7.47
Other Operating Expenses		 2.76 6.53 4.68 5.42 6.00 6.64 5.41 6.84 7.69 8.01 8.09
Amortization Expense		 0.12 0.37 0.36 - - - 1.12 1.09 0.92 0.78 0.67
Income Tax Expense		 9.00 13 21 10 16 15 24 27 18 9.01 10
Basic Earnings per Share		 $1.02 $1.49 $1.81 $2.11 $1.96 $1.66 $2.92 $3.37 $2.24 $1.47 $1.83
Weighted Average Basic Shares Outstanding		 12.76M 12.80M 14.08M 17.15M 20.02M 19.76M 19.42M 19.10M 18.97M 18.12M 17.44M
Diluted Earnings per Share		 $0.96 $1.39 $1.68 $2.01 $1.92 $1.65 $2.86 $3.33 $2.24 $1.47 $1.83
Weighted Average Diluted Shares Outstanding		 13.55M 13.70M 15.24M 17.97M 20.39M 19.92M 19.83M 19.33M 18.99M 18.18M 17.50M
Weighted Average Basic & Diluted Shares Outstanding		 - - 16.29M 20.07M - 19.52M 19.45M - 18.62M 17.73M 17.07M
Cash Dividends to Common per Share		 $0.25 $0.20 $0.38 $0.35 $0.40 $0.33 $0.51 $0.56 $0.64 $0.64 $0.64

Quarterly Income Statements for RBB Bancorp

This table shows RBB Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Consolidated Net Income / (Loss)		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Net Income / (Loss) Continuing Operations		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Total Pre-Tax Income 		12 17 11 9.77 9.57 5.06 3.19 13 13 13 16
Total Revenue		 30 33 28 27 30 29 28 36 33 32 35
Net Interest Income / (Expense)		 28 26 25 24 25 26 26 27 29 30 31
Total Interest Income		 56 55 55 53 54 55 52 54 57 57 57
Loans and Leases Interest Income		 48 46 46 46 48 47 46 48 50 51 51
Investment Securities Interest Income		 4.21 3.71 3.61 3.63 3.13 3.96 4.14 4.21 4.59 4.14 3.97
Deposits and Money Market Investments Interest Income		 3.19 4.65 5.04 3.35 3.39 3.64 2.01 1.75 2.14 2.03 1.88
Federal Funds Sold and Securities Borrowed Interest Income		 0.25 0.27 0.27 0.26 0.26 0.25 0.24 0.23 0.24 0.25 0.25
Total Interest Expense		 28 29 30 29 30 29 26 27 28 28 26
Deposits Interest Expense		 25 26 28 27 28 26 24 24 25 25 24
Long-Term Debt Interest Expense		 3.02 -0.15 1.68 1.68 1.68 0.33 1.63 1.63 1.64 1.62 1.60
Federal Funds Purchased and Securities Sold Interest Expense		 - - 0.44 0.44 0.45 - 0.99 1.42 1.65 1.16 1.13
Total Non-Interest Income		 2.77 7.39 3.37 3.49 5.75 2.73 2.30 8.48 3.29 2.81 4.25
Other Service Charges		 1.39 7.55 1.37 1.78 4.29 2.55 1.22 7.71 2.04 0.82 2.10
Net Realized & Unrealized Capital Gains on Investments		 1.03 -0.53 1.63 1.32 1.05 -0.23 0.67 0.36 0.82 1.55 1.72
Other Non-Interest Income		 0.36 0.37 0.38 0.39 0.40 0.41 0.40 0.41 0.43 0.44 0.43
Provision for Credit Losses		 1.40 -0.43 0.00 0.56 3.30 6.00 6.75 2.39 0.63 0.60 -0.20
Total Non-Interest Expense		 17 16 17 17 17 18 19 20 19 19 19
Salaries and Employee Benefits		 9.74 8.86 9.93 9.53 10 9.93 11 11 11 11 11
Net Occupancy & Equipment Expense		 3.73 3.74 3.86 3.91 3.99 3.90 4.01 4.09 4.23 4.19 4.22
Marketing Expense		 0.34 0.24 0.17 0.19 0.25 0.25 0.20 0.21 0.25 0.20 0.22
Property & Liability Insurance Claims		 1.02 0.82 0.88 1.26 0.96 0.95 1.52 2.90 1.45 1.60 1.50
Other Operating Expenses		 1.81 2.04 2.13 2.24 2.21 2.03 1.99 2.21 2.15 1.57 1.93
Amortization Expense		 0.24 - - - - - 0.17 - - - 0.13
Income Tax Expense		 3.61 5.03 3.24 2.53 2.57 0.67 0.90 3.60 3.11 2.57 4.40
Basic Earnings per Share		 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26 $0.13 $0.53 $0.59 $0.58 $0.66
Weighted Average Basic Shares Outstanding		 19.00M 18.97M 18.60M 18.38M 17.81M 18.12M 17.73M 17.75M 17.23M 17.44M 17.06M
Diluted Earnings per Share		 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26 $0.13 $0.52 $0.59 $0.59 $0.66
Weighted Average Diluted Shares Outstanding		 19.00M 18.99M 18.67M 18.41M 17.89M 18.18M 17.77M 17.80M 17.30M 17.50M 17.17M
Weighted Average Basic & Diluted Shares Outstanding		 19.00M 18.62M 18.44M 17.80M 17.69M 17.73M 17.74M 17.25M 17.05M 17.07M 16.94M
Cash Dividends to Common per Share		 $0.16 - $0.16 $0.16 $0.16 - $0.16 $0.16 $0.16 - $0.16

Annual Cash Flow Statements for RBB Bancorp

This table details how cash moves in and out of RBB Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 7.20 4.82 31 -2.36 34 13 500 -611 348 -174 -45
Net Cash From Operating Activities		 29 56 29 -85 476 125 202 94 51 58 43
Net Cash From Continuing Operating Activities		 29 56 29 -85 476 125 202 94 52 58 43
Net Income / (Loss) Continuing Operations		 13 19 26 36 39 33 57 64 42 27 32
Consolidated Net Income / (Loss)		 13 19 26 36 39 33 57 64 42 27 32
Provision For Loan Losses		 1.39 4.97 -1.05 4.47 2.39 12 3.96 4.94 3.36 9.86 10
Depreciation Expense		 1.02 1.36 1.27 1.83 1.91 2.01 1.94 2.02 2.02 1.90 1.87
Amortization Expense		 -1.01 -7.19 -4.49 3.95 5.76 6.79 13 4.91 7.61 8.69 3.90
Non-Cash Adjustments to Reconcile Net Income		 15 39 8.34 -130 428 72 133 19 0.85 16 0.32
Changes in Operating Assets and Liabilities, net		 -0.58 -0.56 -0.82 -0.80 -0.78 -0.77 -6.13 -1.32 -4.73 -4.74 -5.01
Net Cash From Investing Activities		 -105 7.20 -264 -322 -219 -446 -504 -260 243 -160 -260
Net Cash From Continuing Investing Activities		 -105 7.20 -264 -322 -219 -446 -504 -260 243 -160 -260
Purchase of Property, Leasehold Improvements and Equipment		 -0.47 -0.21 -0.68 -2.49 -1.35 -4.21 -1.99 -2.07 -0.65 -0.79 -0.80
Purchase of Investment Securities		 -109 -52 -269 -454 -368 -909 -946 -405 -398 -479 -268
Sale of Property, Leasehold Improvements and Equipment		 - - - 0.00 0.02 0.00 0.00 1.05 0.03 0.00 0.04
Sale and/or Maturity of Investments		 12 50 5.71 134 150 467 444 75 642 319 8.54
Net Cash From Financing Activities		 83 -59 267 405 -223 334 802 -444 53 -72 171
Net Cash From Continuing Financing Activities		 83 -59 267 405 -223 334 802 -444 53 -72 171
Net Change in Deposits		 86 -106 185 177 105 198 751 -489 197 -91 266
Issuance of Debt		 - 49 25 224 0.00 0.00 118 570 80 50 170
Repayment of Debt		 - - - - -320 150 -50 -500 -205 0.00 -240
Repurchase of Common Equity		 - - - 0.00 -3.19 -7.85 -11 -20 -6.80 -21 -14
Payment of Dividends		 -3.11 -2.55 -5.12 -5.75 -8.03 -6.57 -9.95 -11 -12 -12 -11
Other Financing Activities, Net		 0.49 0.60 2.30 9.63 2.82 0.71 3.48 5.48 0.30 1.73 0.15
Cash Interest Paid		 6.87 12 14 20 46 36 23 30 94 121 109
Cash Income Taxes Paid		 7.12 13 17 9.34 14 13 26 24 21 6.23 19

Quarterly Cash Flow Statements for RBB Bancorp

This table details how cash moves in and out of RBB Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 84 101 -162 -16 97 -92 -19 -47 43 -23 -15
Net Cash From Operating Activities		 25 -8.81 4.85 12 25 17 7.77 22 2.12 12 19
Net Cash From Continuing Operating Activities		 25 -8.81 4.85 12 25 17 7.77 22 2.12 12 19
Net Income / (Loss) Continuing Operations		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Consolidated Net Income / (Loss)		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Provision For Loan Losses		 1.40 -0.43 0.00 0.56 3.30 6.00 6.75 2.39 0.63 0.60 -0.20
Depreciation Expense		 0.50 0.50 0.48 0.47 0.47 0.47 0.48 0.46 0.46 0.47 0.48
Amortization Expense		 4.70 -2.89 2.15 -0.37 4.68 -2.78 2.15 2.30 2.31 -2.86 2.31
Non-Cash Adjustments to Reconcile Net Income		 8.18 -18 -4.25 2.98 9.45 15 -2.26 8.82 -9.74 3.49 7.27
Changes in Operating Assets and Liabilities, net		 2.02 -0.37 -1.56 0.80 -0.40 -5.15 -1.63 -1.65 -1.69 -0.04 -1.73
Net Cash From Investing Activities		 84 153 -17 -13 -33 -98 -42 -130 -72 -16 -21
Net Cash From Continuing Investing Activities		 84 153 -17 -13 -33 -98 -42 -130 -72 -16 -21
Purchase of Investment Securities		 -167 -292 -113 -134 -97 -72 -43 -70 -107 -49 -57
Sale and/or Maturity of Investments		 251 445 98 121 65 -26 111 47 123 -272 50
Other Investing Activities, net		 - - -0.67 - - - -110 -107 -88 - -15
Net Cash From Financing Activities		 -24 -44 -150 -15 105 -11 16 61 113 -19 -14
Net Cash From Continuing Financing Activities		 -24 -44 -150 -15 105 -11 16 61 113 -19 -14
Net Change in Deposits		 -21 21 -146 -4.75 69 -8.42 59 46 178 -16 -11
Issuance of Debt		 - - 0.00 - 50 - 110 40 20 - 0.00
Repayment of Debt		 - -55 0.00 - - - -150 -20 -70 - 0.00
Payment of Dividends		 -3.04 -3.05 -2.98 -3.01 -2.87 -2.86 -2.87 -2.85 -2.78 -2.76 -2.76
Other Financing Activities, Net		 - 0.14 0.48 0.46 0.26 0.54 -0.21 0.16 -0.04 0.25 -0.21
Cash Interest Paid		 24 29 35 29 30 27 29 25 27 28 26
Cash Income Taxes Paid		 0.53 19 0.00 3.77 1.06 1.39 0.74 2.13 2.29 14 -8.54

Annual Balance Sheets for RBB Bancorp

This table presents RBB Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,396 1,691 2,789 3,350 4,228 3,919 4,026 3,992 4,208
Cash and Due from Banks		 119 150 182 195 694 84 23 28 27
Interest Bearing Deposits at Other Banks		 0.35 0.60 0.60 0.60 0.60 0.60 409 230 185
Time Deposits Placed and Other Short-Term Investments		 - - - - - - 0.60 0.60 0.60
Trading Account Securities		 45 75 243 268 380 263 326 437 2.07
Loans and Leases, Net of Allowance		 341 396 -23 -35 -38 3,295 2,990 3,006 3,270
Loans and Leases		 355 410 -4.66 -5.52 -4.80 3,336 3,032 3,053 3,314
Allowance for Loan and Lease Losses		 14 14 19 29 33 41 42 48 44
Premises and Equipment, Net		 6.59 6.58 17 27 27 27 26 25 24
Goodwill		 30 30 59 69 69 71 71 71 71
Other Assets		 807 906 2,306 2,820 3,052 175 178 196 628
Total Liabilities & Shareholders' Equity		 1,396 1,691 2,789 3,350 4,228 3,919 4,026 3,992 4,208
Total Liabilities		 1,214 1,426 2,381 2,922 3,762 3,434 3,515 3,485 3,685
Non-Interest Bearing Deposits		 174 286 459 617 1,291 799 540 563 527
Interest Bearing Deposits		 978 1,052 1,790 2,018 2,094 2,179 2,635 2,521 2,824
Accrued Interest Payable		 7.09 10 17 16 14 21 24 36 44
Long-Term Debt		 53 78 114 269 338 408 284 335 265
Other Long-Term Liabilities		 1.40 0.28 0.83 1.38 24 28 32 30 25
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 182 265 408 428 467 485 511 508 523
Total Preferred & Common Equity		 182 265 408 428 467 484 511 508 523
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 182 265 408 428 467 484 511 508 523
Common Stock		 151 214 295 289 287 280 276 264 255
Retained Earnings		 31 51 112 138 181 226 255 264 282
Accumulated Other Comprehensive Income / (Loss)		 -0.27 -0.44 0.24 1.13 -1.66 -22 -20 -20 -13
Noncontrolling Interest		 - - 0.07 0.07 0.07 0.07 0.07 0.07 0.07

Quarterly Balance Sheets for RBB Bancorp

This table presents RBB Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,905 4,110 4,076 4,069 3,878 3,868 3,990 4,009 4,090 4,208 4,194
Cash and Due from Banks		 174 231 246 331 269 23 26 25 27 24 24
Interest Bearing Deposits at Other Banks		 0.60 0.60 0.60 0.60 0.60 229 323 214 165 211 173
Time Deposits Placed and Other Short-Term Investments		 - - - - - 0.60 0.60 0.60 0.60 0.60 0.60
Trading Account Securities		 294 299 397 360 344 334 312 384 417 411 0.00
Loans and Leases, Net of Allowance		 3,185 0.00 -44 1.38 0.47 3,006 3,048 3,091 3,184 3,258 3,282
Loans and Leases		 3,221 - -1.02 1.38 0.47 3,048 3,092 3,143 3,235 3,303 3,325
Allowance for Loan and Lease Losses		 36 - 43 - - 42 44 52 51 45 44
Premises and Equipment, Net		 27 27 27 26 25 25 25 24 24 24 23
Goodwill		 71 71 71 71 71 71 71 71 71 71 71
Other Assets		 149 3,478 3,372 3,278 3,164 176 182 197 199 207 621
Total Liabilities & Shareholders' Equity		 3,905 4,110 4,076 4,069 3,878 3,868 3,990 4,009 4,090 4,208 4,194
Total Liabilities		 3,433 3,615 3,575 3,567 3,364 3,357 3,481 3,499 3,572 3,694 3,663
Non-Interest Bearing Deposits		 916 672 586 572 540 543 544 528 544 550 527
Interest Bearing Deposits		 2,043 2,479 2,590 2,582 2,489 2,481 2,549 2,614 2,644 2,816 2,813
Accrued Interest Payable		 19 24 30 42 18 16 23 33 42 36 33
Long-Term Debt		 428 409 339 339 284 284 335 295 315 265 265
Other Long-Term Liabilities		 27 32 31 32 33 33 31 28 27 26 25
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 472 495 500 503 514 511 510 510 518 514 531
Total Preferred & Common Equity		 472 495 500 502 514 511 510 510 518 514 531
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 472 495 500 502 514 511 510 510 518 514 531
Common Stock		 281 281 281 281 275 270 263 264 263 254 255
Retained Earnings		 213 234 242 247 260 263 263 264 270 275 291
Accumulated Other Comprehensive Income / (Loss)		 -23 -20 -22 -26 -21 -21 -16 -17 -16 -14 -14
Noncontrolling Interest		 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07

Annual Metrics And Ratios for RBB Bancorp

This table displays calculated financial ratios and metrics derived from RBB Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 15,801,374.00 18,874,891.00 20,030,867.00 19,719,093.00 19,516,393.00 - - - 17,046,897.00
DEI Adjusted Shares Outstanding		 0.00 0.00 15,801,374.00 18,874,891.00 20,030,867.00 19,719,093.00 19,516,393.00 - - - 17,046,897.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 1.62 1.91 1.96 1.67 2.92 - - - 1.87
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.00% 50.67% 12.10% 24.46% 26.14% 3.14% 20.45% 12.38% -16.48% -14.60% 12.60%
EBITDA Growth		 0.00% 21.69% 62.98% 19.27% 21.17% -10.69% 69.77% 2.89% -32.88% -37.45% 3.55%
EBIT Growth		 0.00% 48.25% 43.69% -1.26% 19.73% -14.21% 70.54% 12.86% -34.05% -40.78% 18.09%
NOPAT Growth		 0.00% 47.07% 33.80% 41.43% 8.60% -16.02% 72.82% 13.04% -33.99% -37.21% 19.81%
Net Income Growth		 0.00% 47.07% 33.80% 41.43% 8.60% -16.02% 72.82% 13.04% -33.99% -37.21% 19.81%
EPS Growth		 0.00% 44.79% 20.86% 19.64% -4.48% -14.06% 73.33% 16.43% -32.73% -34.38% 24.49%
Operating Cash Flow Growth		 0.00% 93.23% -48.80% -394.09% 662.88% -73.87% 62.37% -53.60% -45.32% 14.04% -25.83%
Free Cash Flow Firm Growth		 0.00% 0.00% 61.30% 555.27% -227.15% 70.38% 64.90% 51.42% 674.92% -114.68% 517.55%
Invested Capital Growth		 0.00% 0.00% 46.45% -100.00% 0.00% 33.71% 15.35% 11.03% -10.92% 5.94% -6.39%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 11.45% 0.00% 0.00% 24.65% 3.19% -5.81% -3.66% 2.87%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 1.66% 714.57% 575.95% 52.42% -3.10% -16.61% -29.17% 18.88%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -7.42% 0.00% 0.00% 64.80% 3.23% -11.98% -25.24% 22.34%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 14.61% 0.00% 0.00% 8.71% 3.00% -11.48% -22.38% 22.14%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 14.61% 0.00% 0.00% 110.29% 3.00% -11.48% -22.38% 22.14%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 12.92% 0.00% 0.00% 8.75% 4.06% -11.46% -20.11% 22.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 115.62% 11.87% 46.02% -57.01% -5.59% -9.54% -37.92% 81.61% -11.49%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -4,610.79% 21.75% -354.19% 44.81% 31.49% -165.24% -5.65%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -100.00% -4.75% -4.49% 1.37% -0.78% -5.48% -0.20% 1.18%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 50.59% 40.86% 59.41% 56.93% 54.69% 47.36% 66.75% 61.11% 49.11% 35.97% 37.09%
EBIT Margin		 50.57% 49.76% 63.78% 50.60% 48.03% 39.95% 56.56% 56.80% 44.86% 31.11% 32.62%
Profit (Net Income) Margin		 29.86% 29.15% 34.79% 39.54% 34.04% 27.72% 39.77% 40.00% 31.62% 23.25% 24.74%
Tax Burden Percent		 59.05% 58.58% 54.55% 78.14% 70.88% 69.38% 70.31% 70.42% 70.49% 74.74% 75.82%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 40.95% 41.42% 45.45% 21.86% 29.12% 30.62% 29.69% 29.58% 29.51% 25.26% 24.18%
Return on Invested Capital (ROIC)		 0.00% 16.29% 8.84% 21.04% 15.04% 5.40% 7.58% 7.58% 5.03% 3.26% 3.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 16.29% 8.84% 21.04% 15.04% 5.40% 7.58% 7.58% 5.03% 3.26% 3.92%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 4.73% 2.59% 6.19% 4.20% 2.47% 5.13% 5.94% 3.50% 1.98% 2.28%
Return on Equity (ROE)		 0.00% 21.01% 11.43% 27.23% 19.23% 7.88% 12.71% 13.52% 8.53% 5.23% 6.20%
Cash Return on Invested Capital (CROIC)		 0.00% -183.71% -28.85% 221.04% -184.96% -23.44% -6.68% -2.87% 16.58% -2.51% 10.52%
Operating Return on Assets (OROA)		 0.00% 2.33% 3.03% 5.46% 3.97% 1.55% 2.14% 2.24% 1.52% 0.89% 1.03%
Return on Assets (ROA)		 0.00% 1.37% 1.65% 4.27% 2.81% 1.07% 1.50% 1.58% 1.07% 0.67% 0.78%
Return on Common Equity (ROCE)		 0.00% 21.01% 11.43% 27.23% 19.23% 7.87% 12.71% 13.52% 8.53% 5.23% 6.19%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.51% 9.63% 0.00% 9.62% 7.69% 12.20% 13.28% 8.31% 5.25% 6.10%
Net Operating Profit after Tax (NOPAT)		 13 19 26 36 39 33 57 64 42 27 32
NOPAT Margin		 29.86% 29.15% 34.79% 39.54% 34.04% 27.72% 39.77% 40.00% 31.62% 23.25% 24.74%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.65% 29.71% 30.29% 34.25% 41.38% 40.40% 33.47% 31.85% 40.12% 48.75% 46.79%
Operating Expenses to Revenue		 46.24% 42.64% 37.65% 44.50% 49.90% 50.10% 40.67% 40.13% 52.64% 60.30% 59.36%
Earnings before Interest and Taxes (EBIT)		 22 33 47 46 55 47 81 91 60 36 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 27 44 52 63 56 96 98 66 41 48
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.37 0.00 0.90 0.63 1.00 0.75 0.68 0.71 0.66
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.56 0.00 1.08 0.76 1.18 0.89 0.80 0.83 0.77
Price to Revenue (P/Rev)		 0.00 0.00 4.96 3.09 3.20 2.27 3.25 2.26 2.59 3.13 2.68
Price to Earnings (P/E)		 0.00 0.00 14.25 7.83 9.41 8.19 8.18 5.65 8.19 13.48 10.85
Dividend Yield		 0.00% 0.00% 0.35% 2.87% 2.17% 2.41% 2.14% 2.92% 3.50% 3.15% 3.15%
Earnings Yield		 0.00% 0.00% 7.02% 12.78% 10.63% 12.21% 12.22% 17.71% 12.21% 7.42% 9.21%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.85 0.00 0.58 0.49 0.13 0.77 0.25 0.52 0.51
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 3.97 3.09 2.61 2.89 0.76 4.27 1.49 3.80 3.09
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 6.68 5.44 4.77 6.10 1.13 6.99 3.03 10.57 8.33
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 6.22 6.12 5.43 7.23 1.34 7.53 3.32 12.22 9.47
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 11.41 7.83 7.66 10.42 1.90 10.69 4.71 16.35 12.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 10.12 0.00 0.63 2.76 0.54 7.33 3.90 7.45 9.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.75 0.00 0.00 0.00 0.00 1.43 0.00 4.65
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.29 0.29 0.00 0.28 0.63 0.72 0.84 0.56 0.66 0.51
Long-Term Debt to Equity		 0.00 0.29 0.29 0.00 0.28 0.63 0.72 0.84 0.56 0.66 0.51
Financial Leverage		 0.00 0.29 0.29 0.29 0.28 0.46 0.68 0.78 0.70 0.61 0.58
Leverage Ratio		 0.00 7.69 6.91 6.38 6.84 7.34 8.47 8.56 7.98 7.87 7.95
Compound Leverage Factor		 0.00 7.69 6.91 6.38 6.84 7.34 8.47 8.56 7.98 7.87 7.95
Debt to Total Capital		 0.00% 22.50% 22.72% 0.00% 21.81% 38.54% 41.97% 45.73% 35.72% 39.72% 33.64%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 22.50% 22.72% 0.00% 21.81% 38.54% 41.97% 45.73% 35.72% 39.72% 33.64%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
Common Equity to Total Capital		 0.00% 77.50% 77.28% 0.00% 78.18% 61.45% 58.02% 54.26% 64.27% 60.27% 66.35%
Debt to EBITDA		 0.00 1.97 1.79 0.00 1.81 4.78 3.53 4.15 4.31 8.11 5.54
Net Debt to EBITDA		 0.00 -2.48 -1.67 0.00 -1.09 1.31 -3.74 3.30 -2.24 1.85 1.09
Long-Term Debt to EBITDA		 0.00 1.97 1.79 0.00 1.81 4.78 3.53 4.15 4.31 8.11 5.54
Debt to NOPAT		 0.00 2.76 3.05 0.00 2.90 8.16 5.93 6.35 6.69 12.55 8.30
Net Debt to NOPAT		 0.00 -3.48 -2.85 0.00 -1.75 2.23 -6.28 5.04 -3.48 2.86 1.64
Long-Term Debt to NOPAT		 0.00 2.76 3.05 0.00 2.90 8.16 5.93 6.35 6.69 12.55 8.30
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.02% 0.02% 0.02% 0.02% 0.01% 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -215 -83 379 -482 -143 -50 -24 140 -21 86
Operating Cash Flow to CapEx		 6,216.88% 26,770.95% 4,208.04% -3,402.25% 35,744.04% 2,960.39% 10,164.66% 9,269.96% 8,272.90% 7,423.22% 5,739.02%
Free Cash Flow to Firm to Interest Expense		 0.00 -18.38 -5.98 16.04 -10.75 -4.16 -2.21 -0.78 1.37 -0.18 0.79
Operating Cash Flow to Interest Expense		 4.19 4.80 2.07 -3.58 10.62 3.62 8.90 2.99 0.50 0.50 0.40
Operating Cash Flow Less CapEx to Interest Expense		 4.13 4.78 2.02 -3.69 10.59 3.50 8.81 2.95 0.50 0.49 0.39
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.05 0.05 0.11 0.08 0.04 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 0.00 9.94 11.14 0.00 0.00 5.41 5.27 5.93 5.10 4.56 5.37
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 234 343 0.00 521 697 804 893 795 843 789
Invested Capital Turnover		 0.00 0.56 0.25 0.53 0.44 0.20 0.19 0.19 0.16 0.14 0.16
Increase / (Decrease) in Invested Capital		 0.00 234 109 -343 521 176 107 89 -98 47 -54
Enterprise Value (EV)		 0.00 0.00 291 283 300 343 108 687 200 436 399
Market Capitalization		 0.00 0.00 364 283 369 270 466 363 348 360 347
Book Value per Share		 $0.00 $14.19 $16.78 $0.00 $20.35 $21.73 $23.91 $25.55 $26.91 $28.70 $30.70
Tangible Book Value per Share		 $0.00 $11.71 $14.80 $0.00 $17.12 $17.95 $20.15 $21.58 $23.00 $24.55 $26.51
Total Capital		 0.00 234 343 0.00 521 697 804 893 795 843 789
Total Debt		 0.00 53 78 0.00 114 269 338 408 284 335 265
Total Long-Term Debt		 0.00 53 78 0.00 114 269 338 408 284 335 265
Net Debt		 0.00 -66 -73 0.00 -69 73 -357 324 -148 76 52
Capital Expenditures (CapEx)		 0.47 0.21 0.68 2.49 1.33 4.21 1.99 1.01 0.62 0.79 0.76
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 53 78 0.00 114 269 338 408 284 335 265
Total Depreciation and Amortization (D&A)		 0.01 -5.83 -3.21 5.78 7.67 8.80 15 6.93 5.71 5.58 5.78
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.02 $1.49 $1.81 $2.11 $0.00 $0.00 $2.92 $3.37 $2.24 $1.47 $1.83
Adjusted Weighted Average Basic Shares Outstanding		 12.76M 12.80M 14.08M 17.15M 0.00 0.00 19.42M 19.10M 18.97M 18.12M 17.44M
Adjusted Diluted Earnings per Share		 $0.96 $1.39 $1.68 $2.01 $0.00 $0.00 $2.86 $3.33 $2.24 $1.47 $1.83
Adjusted Weighted Average Diluted Shares Outstanding		 13.55M 13.70M 15.24M 17.97M 0.00 0.00 19.83M 19.33M 18.99M 18.18M 17.50M
Adjusted Basic & Diluted Earnings per Share		 $1.02 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 16.29M 20.07M 0.00 0.00 19.45M 0.00 18.62M 17.73M 17.07M
Normalized Net Operating Profit after Tax (NOPAT)		 13 19 26 37 40 33 57 64 42 27 32
Normalized NOPAT Margin		 29.86% 29.15% 34.82% 40.96% 34.33% 28.15% 39.77% 40.00% 31.62% 23.25% 24.74%
Pre Tax Income Margin		 50.57% 49.76% 63.78% 50.60% 48.03% 39.95% 56.56% 56.80% 44.86% 31.11% 32.62%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.17 2.78 3.36 1.95 1.23 1.38 3.56 2.91 0.59 0.30 0.39
NOPAT to Interest Expense		 1.87 1.63 1.83 1.53 0.87 0.96 2.50 2.05 0.42 0.23 0.29
EBIT Less CapEx to Interest Expense		 3.10 2.76 3.31 1.85 1.20 1.26 3.47 2.88 0.59 0.30 0.38
NOPAT Less CapEx to Interest Expense		 1.80 1.61 1.78 1.42 0.84 0.84 2.42 2.02 0.41 0.22 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 24.00% 13.39% 20.05% 15.93% 20.49% 19.94% 17.48% 16.69% 28.64% 43.95% 35.26%
Augmented Payout Ratio		 24.00% 13.39% 20.05% 15.93% 28.62% 43.79% 36.00% 47.50% 44.66% 121.49% 79.02%

Quarterly Metrics And Ratios for RBB Bancorp

This table displays calculated financial ratios and metrics derived from RBB Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 17,730,121.00 17,739,859.00 17,250,827.00 17,046,897.00 17,066,400.00
DEI Adjusted Shares Outstanding		 - - - - - - 17,730,121.00 17,739,859.00 17,250,827.00 17,046,897.00 17,066,400.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.13 0.53 0.59 0.60 0.66
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -26.87% -20.03% -22.53% -20.24% -0.22% -13.18% 0.74% 30.45% 7.52% 12.57% 22.12%
EBITDA Growth		 -39.28% -35.21% -23.64% -37.33% -14.85% -81.26% -58.20% 26.97% 31.13% 33.45% 217.96%
EBIT Growth		 -47.57% -32.41% -27.40% -37.04% -20.80% -70.43% -71.72% 32.34% 38.58% 152.13% 392.04%
NOPAT Growth		 -49.12% -31.33% -26.75% -33.83% -17.40% -63.68% -71.50% 28.82% 44.99% 132.09% 393.45%
Net Income Growth		 -49.12% -31.33% -26.75% -33.83% -17.40% -63.68% -71.50% 28.82% 44.99% 132.09% 393.45%
EPS Growth		 -48.28% -31.52% -25.86% -32.76% -13.33% -58.73% -69.77% 33.33% 51.28% 126.92% 407.69%
Operating Cash Flow Growth		 -2.00% -139.12% -71.17% -35.18% -3.08% 298.30% 60.30% 85.55% -91.36% -32.24% 149.98%
Free Cash Flow Firm Growth		 174.47% 254.15% 225.98% -31.27% -93.80% -139.08% -104.09% -154.64% 1,705.81% 249.52% 531.15%
Invested Capital Growth		 -6.50% -10.92% -11.63% -5.16% 0.34% 5.94% 0.87% 4.65% -7.67% -6.39% -1.08%
Revenue Q/Q Growth		 -11.80% 8.91% -14.56% -2.82% 10.34% -5.23% -0.86% 25.84% -9.05% -0.78% 7.55%
EBITDA Q/Q Growth		 9.78% -14.93% -40.85% -29.03% 49.15% -81.28% -25.16% 170.05% 2.13% -35.35% 78.32%
EBIT Q/Q Growth		 -22.15% 41.53% -34.04% -13.37% -2.07% -47.16% -36.92% 305.39% 2.55% -3.86% 23.11%
NOPAT Q/Q Growth		 -22.61% 42.49% -33.44% -9.84% -3.40% -37.35% -47.78% 307.55% 8.73% 0.29% 11.03%
Net Income Q/Q Growth		 -22.61% 42.49% -33.44% -9.84% -3.40% -37.35% -47.78% 307.55% 8.73% 0.29% 11.03%
EPS Q/Q Growth		 -22.41% 40.00% -31.75% -9.30% 0.00% -33.33% -50.00% 300.00% 13.46% 0.00% 11.86%
Operating Cash Flow Q/Q Growth		 40.37% -134.86% 155.03% 140.71% 109.90% -28.68% -55.52% 178.62% -90.23% 459.59% 64.10%
Free Cash Flow Firm Q/Q Growth		 -8.98% 63.66% 3.17% -55.28% -91.79% -1,132.10% 89.19% -496.87% 371.24% -14.54% -68.84%
Invested Capital Q/Q Growth		 0.29% -5.48% 0.36% -0.32% 6.11% -0.20% -4.44% 3.42% -6.39% 1.18% 0.99%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 56.95% 44.48% 49.23% 35.95% 48.60% 9.60% 20.43% 43.83% 49.23% 32.07% 53.18%
EBIT Margin		 39.80% 51.73% 39.93% 35.60% 31.59% 17.62% 11.21% 36.11% 40.72% 39.46% 45.16%
Profit (Net Income) Margin		 27.91% 36.52% 28.45% 26.39% 23.11% 15.28% 8.05% 26.06% 31.16% 31.49% 32.51%
Tax Burden Percent		 70.12% 70.59% 71.24% 74.14% 73.13% 86.71% 71.79% 72.17% 76.52% 79.82% 71.99%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.88% 29.41% 28.76% 25.86% 26.87% 13.29% 28.21% 27.83% 23.48% 20.18% 28.01%
Return on Invested Capital (ROIC)		 4.57% 5.81% 4.22% 3.85% 3.26% 2.14% 1.15% 3.95% 4.82% 4.99% 5.50%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.57% 5.81% 4.22% 3.85% 3.26% 2.14% 1.15% 3.95% 4.82% 4.99% 5.50%
Return on Net Nonoperating Assets (RNNOA)		 3.60% 4.04% 2.90% 2.37% 2.17% 1.30% 0.65% 2.30% 2.82% 2.90% 2.96%
Return on Equity (ROE)		 8.17% 9.85% 7.11% 6.22% 5.44% 3.44% 1.81% 6.24% 7.64% 7.89% 8.46%
Cash Return on Invested Capital (CROIC)		 12.23% 16.58% 16.99% 9.68% 3.74% -2.51% 1.75% -1.71% 11.20% 10.52% 6.20%
Operating Return on Assets (OROA)		 1.42% 1.75% 1.26% 1.07% 0.93% 0.50% 0.33% 1.12% 1.25% 1.24% 1.49%
Return on Assets (ROA)		 1.00% 1.23% 0.90% 0.79% 0.68% 0.44% 0.23% 0.81% 0.95% 0.99% 1.07%
Return on Common Equity (ROCE)		 8.17% 9.85% 7.11% 6.21% 5.43% 3.44% 1.81% 6.24% 7.64% 7.89% 8.46%
Return on Equity Simple (ROE_SIMPLE)		 9.55% 0.00% 7.69% 7.01% 6.74% 0.00% 4.10% 4.45% 5.09% 0.00% 7.71%
Net Operating Profit after Tax (NOPAT)		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
NOPAT Margin		 27.91% 36.52% 28.45% 26.39% 23.11% 15.28% 8.05% 26.06% 31.16% 31.49% 32.51%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.50% 38.84% 49.42% 49.64% 47.04% 49.05% 52.18% 42.95% 46.31% 46.79% 45.16%
Operating Expenses to Revenue		 55.59% 49.58% 60.07% 62.38% 57.51% 61.48% 65.09% 57.22% 57.36% 58.69% 55.41%
Earnings before Interest and Taxes (EBIT)		 12 17 11 9.77 9.57 5.06 3.19 13 13 13 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 15 14 9.87 15 2.76 5.81 16 16 10 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.46 0.68 0.64 0.67 0.80 0.71 0.55 0.58 0.62 0.66 0.68
Price to Tangible Book Value (P/TBV)		 0.54 0.80 0.75 0.79 0.93 0.83 0.64 0.68 0.73 0.77 0.79
Price to Revenue (P/Rev)		 1.63 2.59 2.62 2.89 3.42 3.13 2.44 2.46 2.56 2.68 2.67
Price to Earnings (P/E)		 4.84 8.19 8.35 9.62 11.85 13.48 13.41 13.16 12.27 10.85 8.84
Dividend Yield		 5.07% 3.50% 3.61% 3.43% 2.80% 3.15% 4.04% 3.75% 3.44% 3.15% 3.02%
Earnings Yield		 20.67% 12.21% 11.97% 10.40% 8.44% 7.42% 7.46% 7.60% 8.15% 9.21% 11.31%
Enterprise Value to Invested Capital (EV/IC)		 0.28 0.25 0.43 0.47 0.46 0.52 0.42 0.51 0.45 0.51 0.54
Enterprise Value to Revenue (EV/Rev)		 1.68 1.49 2.73 3.15 3.29 3.80 2.92 3.45 2.79 3.09 3.18
Enterprise Value to EBITDA (EV/EBITDA)		 3.03 3.03 5.17 6.18 6.72 10.57 8.80 11.65 8.70 8.33 7.10
Enterprise Value to EBIT (EV/EBIT)		 3.50 3.32 6.15 7.48 8.21 12.22 12.18 13.83 10.18 9.47 7.87
Enterprise Value to NOPAT (EV/NOPAT)		 5.00 4.71 8.72 10.48 11.40 16.35 16.06 18.48 13.40 12.50 10.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.90 3.90 8.76 11.39 12.16 7.45 5.47 5.96 7.15 9.20 7.82
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.25 1.43 2.38 4.75 12.43 0.00 24.00 0.00 3.85 4.65 8.67
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.67 0.56 0.55 0.56 0.66 0.66 0.58 0.61 0.52 0.51 0.50
Long-Term Debt to Equity		 0.67 0.56 0.55 0.56 0.66 0.66 0.58 0.61 0.52 0.51 0.50
Financial Leverage		 0.79 0.70 0.69 0.62 0.67 0.61 0.57 0.58 0.59 0.58 0.54
Leverage Ratio		 8.18 7.98 7.92 7.85 7.96 7.87 7.70 7.73 8.01 7.95 7.88
Compound Leverage Factor		 8.18 7.98 7.92 7.85 7.96 7.87 7.70 7.73 8.01 7.95 7.88
Debt to Total Capital		 40.28% 35.72% 35.61% 35.74% 39.62% 39.72% 36.62% 37.83% 34.01% 33.64% 33.33%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 40.28% 35.72% 35.61% 35.74% 39.62% 39.72% 36.62% 37.83% 34.01% 33.64% 33.33%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
Common Equity to Total Capital		 59.71% 64.27% 64.38% 64.25% 60.37% 60.27% 63.37% 62.16% 65.98% 66.35% 66.67%
Debt to EBITDA		 4.28 4.31 4.26 4.68 5.74 8.11 7.72 8.63 6.58 5.54 4.38
Net Debt to EBITDA		 0.10 -2.24 0.22 0.51 -0.27 1.85 1.45 3.36 0.73 1.09 1.12
Long-Term Debt to EBITDA		 4.28 4.31 4.26 4.68 5.74 8.11 7.72 8.63 6.58 5.54 4.38
Debt to NOPAT		 7.06 6.69 7.19 7.94 9.74 12.55 14.09 13.69 10.14 8.30 6.48
Net Debt to NOPAT		 0.16 -3.48 0.36 0.87 -0.45 2.86 2.65 5.33 1.13 1.64 1.66
Long-Term Debt to NOPAT		 7.06 6.69 7.19 7.94 9.74 12.55 14.09 13.69 10.14 8.30 6.48
Noncontrolling Interest Sharing Ratio		 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 67 110 113 51 4.15 -43 -4.63 -28 75 64 20
Operating Cash Flow to CapEx		 101,112.00% -23,189.47% 3,254.36% 7,833.56% 9,533.07% 7,499.57% 0.00% 22,098.98% 582.92% 7,542.04% 0.00%
Free Cash Flow to Firm to Interest Expense		 2.39 3.76 3.78 1.75 0.14 -1.50 -0.18 -1.03 2.67 2.31 0.76
Operating Cash Flow to Interest Expense		 0.90 -0.30 0.16 0.40 0.82 0.61 0.30 0.81 0.08 0.43 0.74
Operating Cash Flow Less CapEx to Interest Expense		 0.90 -0.30 0.16 0.40 0.81 0.60 0.30 0.80 0.06 0.42 0.74
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 5.38 5.10 4.81 4.61 4.67 4.56 4.63 5.03 5.16 5.37 5.70
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 841 795 798 796 844 843 805 833 779 789 796
Invested Capital Turnover		 0.16 0.16 0.15 0.15 0.14 0.14 0.14 0.15 0.15 0.16 0.17
Increase / (Decrease) in Invested Capital		 -58 -98 -105 -43 2.85 47 6.92 37 -65 -54 -8.66
Enterprise Value (EV)		 240 200 345 376 392 436 336 425 351 399 430
Market Capitalization		 232 348 330 345 407 360 281 303 321 347 362
Book Value per Share		 $26.45 $26.91 $27.60 $27.72 $28.62 $28.70 $28.78 $29.18 $29.81 $30.70 $31.11
Tangible Book Value per Share		 $22.53 $23.00 $23.62 $23.72 $24.49 $24.55 $24.64 $25.05 $25.58 $26.51 $26.92
Total Capital		 841 795 798 796 844 843 805 833 779 789 796
Total Debt		 339 284 284 284 335 335 295 315 265 265 265
Total Long-Term Debt		 339 284 284 284 335 335 295 315 265 265 265
Net Debt		 7.51 -148 14 31 -15 76 55 123 30 52 68
Capital Expenditures (CapEx)		 0.03 0.04 0.15 0.15 0.26 0.23 0.00 0.10 0.36 0.16 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 339 284 284 284 335 335 295 315 265 265 265
Total Depreciation and Amortization (D&A)		 5.21 -2.39 2.63 0.10 5.15 -2.30 2.62 2.77 2.77 -2.39 2.79
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26 $0.13 $0.53 $0.59 $0.58 $0.66
Adjusted Weighted Average Basic Shares Outstanding		 19.00M 18.97M 18.60M 18.38M 17.81M 18.12M 17.73M 17.75M 17.23M 17.44M 17.06M
Adjusted Diluted Earnings per Share		 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26 $0.13 $0.52 $0.59 $0.59 $0.66
Adjusted Weighted Average Diluted Shares Outstanding		 19.00M 18.99M 18.67M 18.41M 17.89M 18.18M 17.77M 17.80M 17.30M 17.50M 17.17M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.00M 18.62M 18.44M 17.80M 17.69M 17.73M 17.74M 17.25M 17.05M 17.07M 16.94M
Normalized Net Operating Profit after Tax (NOPAT)		 8.47 12 8.04 7.25 7.00 4.39 2.29 9.33 10 10 11
Normalized NOPAT Margin		 27.91% 36.52% 28.45% 26.39% 23.11% 15.28% 8.05% 26.06% 31.16% 31.49% 32.51%
Pre Tax Income Margin		 39.80% 51.73% 39.93% 35.60% 31.59% 17.62% 11.21% 36.11% 40.72% 39.46% 45.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.43 0.59 0.38 0.34 0.32 0.18 0.12 0.48 0.47 0.46 0.60
NOPAT to Interest Expense		 0.30 0.41 0.27 0.25 0.23 0.15 0.09 0.35 0.36 0.37 0.43
EBIT Less CapEx to Interest Expense		 0.43 0.59 0.37 0.33 0.31 0.17 0.12 0.48 0.46 0.45 0.60
NOPAT Less CapEx to Interest Expense		 0.30 0.41 0.26 0.25 0.23 0.15 0.09 0.34 0.35 0.36 0.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 24.55% 28.64% 30.61% 33.70% 34.65% 43.95% 55.50% 49.78% 43.45% 35.26% 27.24%
Augmented Payout Ratio		 26.67% 44.66% 51.57% 79.55% 114.62% 121.49% 55.50% 104.33% 96.95% 79.02% 27.24%

Financials Breakdown Chart

Key Financial Trends

RBB Bancorp’s latest quarter shows a clear rebound in profitability versus the prior quarter, but the broader multi-year trend still looks mixed. In Q1 2026, the bank earned $11.3 million, up from $10.2 million in Q4 2025 and well above the softer quarter in early 2025. However, compared with the stronger periods seen in 2023 and 2024, earnings remain uneven and appear sensitive to deposit costs, credit-related charges, and non-interest income swings.

Revenue in Q1 2026 came in at $34.8 million, up from $32.3 million in Q4 2025. The improvement was driven by a strong increase in non-interest income, which rose to $4.25 million from $2.81 million in the prior quarter. At the same time, net interest income improved modestly to $30.5 million, helped by lower interest expense on deposits compared with late 2025.

On the balance sheet, RBB remains a sizable community bank with $4.19 billion in assets and $530.98 million in common equity at the end of Q1 2026. But deposit and loan trends were not especially encouraging: total deposits fell during the quarter, and loans also declined slightly from year-end 2025 levels. That suggests a bank still working through a slower growth environment.

Cash flow was also soft in the quarter. RBB generated $19.4 million in operating cash flow, but ended with a $15.4 million decline in cash and equivalents after investing and financing outflows. The company continued paying a dividend, which is positive for income investors, but the cash picture was pressured by deposit outflows and investment activity.

Looking back over the last four years, the biggest theme is that RBB’s earnings have been volatile. The bank produced much stronger quarters in 2023 and early 2024, but performance weakened through 2025 before stabilizing somewhat in the most recent quarter. The company still earns money consistently, but margins and non-interest income can move around materially from quarter to quarter.

  • Q1 2026 net income improved to $11.3 million, up from $10.2 million in Q4 2025.
  • Non-interest income rebounded sharply to $4.25 million from $2.81 million in the prior quarter.
  • Net interest income rose to $30.5 million, helped by lower deposit interest expense.
  • Capital remains solid with $531 million in common equity on a $4.19 billion asset base.
  • The dividend continues, with cash dividends of $0.16 per share in Q1 2026.
  • Loans were broadly flat to slightly down versus year-end 2025, suggesting limited near-term growth.
  • Total assets were little changed from Q4 2025, pointing to a relatively stable balance sheet size.
  • Provision for credit losses was modest at a $200,000 benefit in Q1 2026, which does not currently signal major credit stress.
  • Cash and equivalents declined by $15.4 million in Q1 2026.
  • Deposit balances fell by $10.5 million in the quarter, which can pressure funding stability and loan growth.

Overall, RBB Bancorp looks profitable and adequately capitalized, but it is not yet showing smooth, consistent operating momentum. The near-term story is better than late 2025, yet investors should watch deposit trends, funding costs, and non-interest income closely, because those factors have had a big impact on results.

07/05/26 09:45 AM ETAI Generated. May Contain Errors.

RBB Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, RBB Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

RBB Bancorp's net income appears to be on an upward trend, with a most recent value of $31.95 million in 2025, rising from $12.97 million in 2015. The previous period was $26.67 million in 2024. Check out RBB Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, RBB Bancorp's total revenue changed from $43.44 million in 2015 to $129.16 million in 2025, a change of 197.3%.

RBB Bancorp's total liabilities were at $3.68 billion at the end of 2025, a 5.7% increase from 2024, and a 203.5% increase since 2016.

In the past 8 years, RBB Bancorp's cash and equivalents has ranged from $22.67 million in 2023 to $694.37 million in 2021, and is currently $27.09 million as of their latest financial filing in 2025.

Over the last 10 years, RBB Bancorp's book value per share changed from 0.00 in 2015 to 30.70 in 2025, a change of 3,070.0%.


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Financial statements for NASDAQ:RBB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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