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RBB Bancorp (RBB) Financials

RBB Bancorp logo
$17.94 -0.17 (-0.94%)
Closing price 08/1/2025 04:00 PM Eastern
Extended Trading
$17.93 -0.01 (-0.03%)
As of 08/1/2025 04:04 PM Eastern
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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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 64 42 27
Consolidated Net Income / (Loss)		 64 42 27
Net Income / (Loss) Continuing Operations		 64 42 27
Total Pre-Tax Income 		91 60 36
Total Revenue		 161 134 115
Net Interest Income / (Expense)		 150 119 99
Total Interest Income		 181 221 217
Loans and Leases Interest Income		 172 195 186
Investment Securities Interest Income		 6.08 14 14
Deposits and Money Market Investments Interest Income		 1.35 11 15
Federal Funds Sold and Securities Borrowed Interest Income		 1.50 0.99 1.03
Total Interest Expense		 31 102 117
Deposits Interest Expense		 19 89 108
Long-Term Debt Interest Expense		 9.65 9.95 6.70
Federal Funds Purchased and Securities Sold Interest Expense		 2.87 2.87 2.22
Total Non-Interest Income		 11 15 15
Other Service Charges		 7.28 13 11
Net Realized & Unrealized Capital Gains on Investments		 2.65 0.54 2.60
Other Non-Interest Income		 1.32 1.41 1.58
Provision for Credit Losses		 4.94 3.36 9.86
Total Non-Interest Expense		 65 71 69
Salaries and Employee Benefits		 35 38 39
Net Occupancy & Equipment Expense		 14 15 16
Marketing Expense		 1.58 1.13 0.86
Property & Liability Insurance Claims		 5.38 8.20 4.45
Other Operating Expenses		 6.84 7.69 8.01
Amortization Expense		 1.09 0.92 0.78
Income Tax Expense		 27 18 9.01
Basic Earnings per Share		 $3.37 $2.24 $1.47
Weighted Average Basic Shares Outstanding		 19.10M 18.97M 18.12M
Diluted Earnings per Share		 $3.33 $2.24 $1.47
Weighted Average Diluted Shares Outstanding		 19.33M 18.99M 18.18M
Weighted Average Basic & Diluted Shares Outstanding		 - 18.62M 17.73M
Cash Dividends to Common per Share		 $0.56 $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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Consolidated Net Income / (Loss)		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Net Income / (Loss) Continuing Operations		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Total Pre-Tax Income 		23 25 16 16 12 17 11 9.77 9.57 5.06
Total Revenue		 42 41 36 34 30 33 28 27 30 29
Net Interest Income / (Expense)		 39 39 34 32 28 26 25 24 25 26
Total Interest Income		 46 53 54 57 56 55 55 53 54 55
Loans and Leases Interest Income		 44 50 50 51 48 46 46 46 48 47
Investment Securities Interest Income		 1.78 1.87 2.54 3.57 4.21 3.71 3.61 3.63 3.13 3.96
Deposits and Money Market Investments Interest Income		 0.37 0.70 0.79 2.11 3.19 4.65 5.04 3.35 3.39 3.64
Federal Funds Sold and Securities Borrowed Interest Income		 0.45 0.35 0.22 0.25 0.25 0.27 0.27 0.26 0.26 0.25
Total Interest Expense		 7.44 14 20 25 28 29 30 29 30 29
Deposits Interest Expense		 3.99 10 16 22 25 26 28 27 28 26
Long-Term Debt Interest Expense		 3.45 0.52 3.95 3.13 3.02 -0.15 2.12 2.12 2.13 0.33
Total Non-Interest Income		 2.54 2.35 2.36 2.49 2.77 7.39 3.37 3.49 5.75 2.73
Other Service Charges		 1.94 1.84 2.00 2.13 1.39 7.55 1.95 2.36 4.29 2.55
Net Realized & Unrealized Capital Gains on Investments		 0.27 0.18 0.03 0.02 1.03 -0.53 1.04 0.74 1.05 -0.23
Other Non-Interest Income		 0.33 0.34 0.34 0.34 0.36 0.37 0.38 0.39 0.40 0.41
Provision for Credit Losses		 1.77 1.89 2.01 0.38 1.40 -0.43 0.00 0.56 3.30 6.00
Total Non-Interest Expense		 17 14 19 19 17 16 17 17 17 18
Salaries and Employee Benefits		 9.56 6.93 9.86 9.33 9.74 8.86 9.93 9.53 10 9.93
Net Occupancy & Equipment Expense		 3.66 3.57 3.70 3.79 3.73 3.74 3.86 3.91 3.99 3.90
Marketing Expense		 0.36 0.41 0.30 0.25 0.34 0.24 0.17 0.19 0.25 0.25
Property & Liability Insurance Claims		 1.35 0.21 3.25 3.11 1.02 0.82 1.08 1.46 0.96 0.95
Other Operating Expenses		 1.76 1.96 1.80 2.05 1.81 2.04 1.93 2.04 2.01 2.03
Income Tax Expense		 6.40 7.72 4.57 4.57 3.61 5.03 3.24 2.53 2.57 0.67
Basic Earnings per Share		 $0.88 $0.93 $0.58 $0.58 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26
Weighted Average Basic Shares Outstanding		 18.99M 19.10M 18.99M 18.99M 19.00M 18.97M 18.60M 18.38M 17.81M 18.12M
Diluted Earnings per Share		 $0.87 $0.92 $0.58 $0.58 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26
Weighted Average Diluted Shares Outstanding		 19.13M 19.33M 19.05M 19.00M 19.00M 18.99M 18.67M 18.41M 17.89M 18.18M
Weighted Average Basic & Diluted Shares Outstanding		 18.97M 0.00 18.99M 19.00M 19.00M 18.62M 18.44M 17.80M 17.69M 17.73M

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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -611 348 -174
Net Cash From Operating Activities		 94 51 58
Net Cash From Continuing Operating Activities		 94 51 58
Net Income / (Loss) Continuing Operations		 64 42 27
Consolidated Net Income / (Loss)		 64 42 27
Provision For Loan Losses		 4.94 3.36 9.86
Depreciation Expense		 2.02 2.02 1.90
Amortization Expense		 4.91 3.70 3.68
Non-Cash Adjustments to Reconcile Net Income		 19 1.16 23
Changes in Operating Assets and Liabilities, net		 -1.32 -1.41 -6.32
Net Cash From Investing Activities		 -260 243 -160
Net Cash From Continuing Investing Activities		 -260 243 -160
Purchase of Property, Leasehold Improvements and Equipment		 -2.07 -0.65 -0.79
Purchase of Investment Securities		 -405 -695 -417
Sale of Property, Leasehold Improvements and Equipment		 1.05 0.03 0.00
Divestitures		 71 0.00 0.00
Sale and/or Maturity of Investments		 75 939 258
Net Cash From Financing Activities		 -444 53 -72
Net Cash From Continuing Financing Activities		 -444 53 -72
Net Change in Deposits		 -489 197 -91
Issuance of Debt		 570 80 50
Repayment of Debt		 -500 -205 0.00
Repurchase of Common Equity		 -20 -6.80 -21
Payment of Dividends		 -11 -12 -12
Other Financing Activities, Net		 5.48 0.30 1.73
Cash Interest Paid		 30 94 121
Cash Income Taxes Paid		 24 21 6.23

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -151 -91 147 16 84 101 -162 -16 97 -92
Net Cash From Operating Activities		 26 23 17 18 25 -8.81 4.85 12 25 17
Net Cash From Continuing Operating Activities		 26 23 17 18 25 -8.81 4.85 12 25 17
Net Income / (Loss) Continuing Operations		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Consolidated Net Income / (Loss)		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Provision For Loan Losses		 1.77 1.89 2.01 0.38 1.40 -0.43 0.00 0.56 3.30 6.00
Depreciation Expense		 0.52 0.15 0.50 0.52 0.50 0.50 0.48 0.47 0.47 0.47
Amortization Expense		 4.90 -2.75 2.17 -0.29 4.70 -2.89 2.15 -0.37 4.68 -2.78
Non-Cash Adjustments to Reconcile Net Income		 -0.24 5.99 2.70 7.97 8.18 -18 -4.25 2.98 9.45 15
Changes in Operating Assets and Liabilities, net		 2.19 -0.34 -1.54 -1.51 2.02 -0.37 -1.56 0.80 -0.40 -5.15
Net Cash From Investing Activities		 -96 -108 -40 46 84 153 -17 -13 -33 -98
Net Cash From Continuing Investing Activities		 -96 -108 -40 46 84 153 -17 -13 -33 -98
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -0.59 -0.52 -0.07 -0.03 -0.04 -0.15 -0.15 -0.26 -0.23
Purchase of Investment Securities		 -203 159 -93 -143 -167 -292 -114 -134 -97 -72
Sale and/or Maturity of Investments		 107 -338 54 189 251 445 98 121 65 -26
Net Cash From Financing Activities		 -80 -5.63 170 -49 -24 -44 -150 -15 105 -11
Net Cash From Continuing Financing Activities		 -80 -5.63 170 -49 -24 -44 -150 -15 105 -11
Net Change in Deposits		 -68 18 173 24 -21 21 -146 -4.75 69 -8.42
Repurchase of Common Equity		 -1.98 -1.02 0.00 - - -6.80 -1.48 -8.14 -11 -0.01
Payment of Dividends		 -2.66 -2.66 -3.04 -3.04 -3.04 -3.05 -2.98 -3.01 -2.87 -2.86
Other Financing Activities, Net		 2.58 0.04 0.16 - - 0.14 0.48 0.46 0.26 0.54
Cash Interest Paid		 5.09 14 19 22 24 29 35 29 30 27
Cash Income Taxes Paid		 4.19 4.76 -0.05 2.35 0.53 19 0.00 3.77 1.06 1.39

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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,919 4,026 3,992
Cash and Due from Banks		 84 23 28
Interest Bearing Deposits at Other Banks		 0.60 409 230
Time Deposits Placed and Other Short-Term Investments		 - 0.60 0.60
Trading Account Securities		 263 326 437
Loans and Leases, Net of Allowance		 3,295 2,990 3,006
Loans and Leases		 3,336 3,032 3,053
Allowance for Loan and Lease Losses		 41 42 48
Premises and Equipment, Net		 27 26 25
Goodwill		 71 71 71
Intangible Assets		 3.72 2.80 2.01
Other Assets		 175 178 194
Total Liabilities & Shareholders' Equity		 3,919 4,026 3,992
Total Liabilities		 3,434 3,515 3,485
Non-Interest Bearing Deposits		 799 540 563
Interest Bearing Deposits		 2,179 2,635 2,521
Accrued Interest Payable		 21 24 36
Long-Term Debt		 408 284 335
Other Long-Term Liabilities		 28 32 30
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 485 511 508
Total Preferred & Common Equity		 484 511 508
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 484 511 508
Common Stock		 280 276 264
Retained Earnings		 226 255 264
Accumulated Other Comprehensive Income / (Loss)		 -22 -20 -20
Noncontrolling Interest		 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
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 3,905 4,110 4,076 4,069 3,878 3,868 3,990
Cash and Due from Banks		 174 231 246 331 269 23 26
Interest Bearing Deposits at Other Banks		 0.60 0.60 0.60 0.60 0.60 229 323
Time Deposits Placed and Other Short-Term Investments		 - - - - - 0.60 0.60
Trading Account Securities		 294 299 397 360 344 334 312
Loans and Leases, Net of Allowance		 3,185 0.00 -44 1.38 0.47 3,006 3,048
Loans and Leases		 3,221 - -1.02 1.38 0.47 3,048 3,092
Allowance for Loan and Lease Losses		 36 - 43 - - 42 44
Premises and Equipment, Net		 27 27 27 26 25 25 25
Goodwill		 71 71 71 71 71 71 71
Intangible Assets		 3.97 3.48 3.25 3.01 2.59 2.39 2.19
Other Assets		 149 3,478 3,372 3,278 3,164 176 182
Total Liabilities & Shareholders' Equity		 3,905 4,110 4,076 4,069 3,878 3,868 3,990
Total Liabilities		 3,433 3,615 3,575 3,567 3,364 3,357 3,481
Non-Interest Bearing Deposits		 916 672 586 572 540 543 544
Interest Bearing Deposits		 2,043 2,479 2,590 2,582 2,489 2,481 2,549
Accrued Interest Payable		 19 24 30 42 18 16 23
Long-Term Debt		 428 409 339 339 284 284 335
Other Long-Term Liabilities		 27 32 31 32 33 33 31
Commitments & Contingencies		 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
Total Preferred & Common Equity		 472 495 500 502 514 511 510
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 472 495 500 502 514 511 510
Common Stock		 281 281 281 281 275 270 263
Retained Earnings		 213 234 242 247 260 263 263
Accumulated Other Comprehensive Income / (Loss)		 -23 -20 -22 -26 -21 -21 -16
Noncontrolling Interest		 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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 12.38% -16.48% -14.60%
EBITDA Growth		 2.89% -32.88% -37.45%
EBIT Growth		 12.86% -34.05% -40.78%
NOPAT Growth		 13.04% -33.99% -37.21%
Net Income Growth		 13.04% -33.99% -37.21%
EPS Growth		 16.43% -32.73% -34.38%
Operating Cash Flow Growth		 -53.60% -45.32% 14.04%
Free Cash Flow Firm Growth		 51.42% 674.92% -114.68%
Invested Capital Growth		 11.03% -10.92% 5.94%
Revenue Q/Q Growth		 3.19% -5.81% -3.66%
EBITDA Q/Q Growth		 -3.10% -16.61% -29.17%
EBIT Q/Q Growth		 3.23% -11.98% -25.24%
NOPAT Q/Q Growth		 3.00% -11.48% -22.38%
Net Income Q/Q Growth		 3.00% -11.48% -22.38%
EPS Q/Q Growth		 4.06% -11.46% -20.11%
Operating Cash Flow Q/Q Growth		 -9.54% -37.92% 81.61%
Free Cash Flow Firm Q/Q Growth		 44.81% 31.49% -165.24%
Invested Capital Q/Q Growth		 -0.78% -5.48% -0.20%
Profitability Metrics		 - - -
EBITDA Margin		 61.11% 49.11% 35.97%
EBIT Margin		 56.80% 44.86% 31.11%
Profit (Net Income) Margin		 40.00% 31.62% 23.25%
Tax Burden Percent		 70.42% 70.49% 74.74%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 29.58% 29.51% 25.26%
Return on Invested Capital (ROIC)		 7.58% 5.03% 3.26%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.58% 5.03% 3.26%
Return on Net Nonoperating Assets (RNNOA)		 5.94% 3.50% 1.98%
Return on Equity (ROE)		 13.52% 8.53% 5.23%
Cash Return on Invested Capital (CROIC)		 -2.87% 16.58% -2.51%
Operating Return on Assets (OROA)		 2.24% 1.52% 0.89%
Return on Assets (ROA)		 1.58% 1.07% 0.67%
Return on Common Equity (ROCE)		 13.52% 8.53% 5.23%
Return on Equity Simple (ROE_SIMPLE)		 13.28% 8.31% 5.25%
Net Operating Profit after Tax (NOPAT)		 64 42 27
NOPAT Margin		 40.00% 31.62% 23.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 31.85% 40.12% 48.75%
Operating Expenses to Revenue		 40.13% 52.64% 60.30%
Earnings before Interest and Taxes (EBIT)		 91 60 36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 98 66 41
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.75 0.68 0.71
Price to Tangible Book Value (P/TBV)		 0.89 0.80 0.83
Price to Revenue (P/Rev)		 2.26 2.59 3.13
Price to Earnings (P/E)		 5.65 8.19 13.48
Dividend Yield		 2.92% 3.50% 3.15%
Earnings Yield		 17.71% 12.21% 7.42%
Enterprise Value to Invested Capital (EV/IC)		 0.77 0.25 0.52
Enterprise Value to Revenue (EV/Rev)		 4.27 1.49 3.80
Enterprise Value to EBITDA (EV/EBITDA)		 6.99 3.03 10.57
Enterprise Value to EBIT (EV/EBIT)		 7.53 3.32 12.22
Enterprise Value to NOPAT (EV/NOPAT)		 10.69 4.71 16.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.33 3.90 7.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.43 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.84 0.56 0.66
Long-Term Debt to Equity		 0.84 0.56 0.66
Financial Leverage		 0.78 0.70 0.61
Leverage Ratio		 8.56 7.98 7.87
Compound Leverage Factor		 8.56 7.98 7.87
Debt to Total Capital		 45.73% 35.72% 39.72%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 45.73% 35.72% 39.72%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.01% 0.01% 0.01%
Common Equity to Total Capital		 54.26% 64.27% 60.27%
Debt to EBITDA		 4.15 4.31 8.11
Net Debt to EBITDA		 3.30 -2.24 1.85
Long-Term Debt to EBITDA		 4.15 4.31 8.11
Debt to NOPAT		 6.35 6.69 12.55
Net Debt to NOPAT		 5.04 -3.48 2.86
Long-Term Debt to NOPAT		 6.35 6.69 12.55
Noncontrolling Interest Sharing Ratio		 0.02% 0.01% 0.01%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -24 140 -21
Operating Cash Flow to CapEx		 9,269.96% 8,272.90% 7,423.22%
Free Cash Flow to Firm to Interest Expense		 -0.78 1.37 -0.18
Operating Cash Flow to Interest Expense		 2.99 0.50 0.50
Operating Cash Flow Less CapEx to Interest Expense		 2.95 0.50 0.49
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.03 0.03
Fixed Asset Turnover		 5.93 5.10 4.56
Capital & Investment Metrics		 - - -
Invested Capital		 893 795 843
Invested Capital Turnover		 0.19 0.16 0.14
Increase / (Decrease) in Invested Capital		 89 -98 47
Enterprise Value (EV)		 687 200 436
Market Capitalization		 363 348 360
Book Value per Share		 $25.55 $26.91 $28.70
Tangible Book Value per Share		 $21.58 $23.00 $24.55
Total Capital		 893 795 843
Total Debt		 408 284 335
Total Long-Term Debt		 408 284 335
Net Debt		 324 -148 76
Capital Expenditures (CapEx)		 1.01 0.62 0.79
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 408 284 335
Total Depreciation and Amortization (D&A)		 6.93 5.71 5.58
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $3.37 $2.24 $1.47
Adjusted Weighted Average Basic Shares Outstanding		 19.10M 18.97M 18.12M
Adjusted Diluted Earnings per Share		 $3.33 $2.24 $1.47
Adjusted Weighted Average Diluted Shares Outstanding		 19.33M 18.99M 18.18M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 18.62M 17.73M
Normalized Net Operating Profit after Tax (NOPAT)		 64 42 27
Normalized NOPAT Margin		 40.00% 31.62% 23.25%
Pre Tax Income Margin		 56.80% 44.86% 31.11%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 2.91 0.59 0.30
NOPAT to Interest Expense		 2.05 0.42 0.23
EBIT Less CapEx to Interest Expense		 2.88 0.59 0.30
NOPAT Less CapEx to Interest Expense		 2.02 0.41 0.22
Payout Ratios		 - - -
Dividend Payout Ratio		 16.69% 28.64% 43.95%
Augmented Payout Ratio		 47.50% 44.66% 121.49%

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 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.89% 13.65% -2.60% -15.04% -26.87% -20.03% -22.53% -20.24% -0.22% -13.18%
EBITDA Growth		 2.64% -12.18% -20.70% -34.74% -39.28% -35.21% -23.64% -37.33% -14.85% -81.26%
EBIT Growth		 7.29% 12.72% -26.04% -29.40% -47.57% -32.41% -27.40% -37.04% -20.80% -70.43%
NOPAT Growth		 8.38% 11.94% -24.95% -29.26% -49.12% -31.33% -26.75% -33.83% -17.40% -63.68%
Net Income Growth		 8.38% 11.94% -24.95% -29.26% -49.12% -31.33% -26.75% -33.83% -17.40% -63.68%
EPS Growth		 12.99% 16.46% -21.62% -27.50% -48.28% -31.52% -25.86% -32.76% -13.33% -58.73%
Operating Cash Flow Growth		 -31.10% -30.51% -49.28% 45.94% -2.00% -139.12% -71.17% -35.18% -3.08% 298.30%
Free Cash Flow Firm Growth		 -87.26% 22.15% -485.54% 168.95% 174.47% 254.15% 225.98% -31.27% -93.80% -139.08%
Invested Capital Growth		 13.43% 11.03% 12.55% -6.95% -6.50% -10.92% -11.63% -5.16% 0.34% 5.94%
Revenue Q/Q Growth		 2.47% -0.40% -11.81% -5.61% -11.80% 8.91% -14.56% -2.82% 10.34% -5.23%
EBITDA Q/Q Growth		 17.99% -20.27% -34.60% -13.53% 9.78% -14.93% -40.85% -29.03% 49.15% -81.28%
EBIT Q/Q Growth		 4.84% 9.77% -38.59% -0.10% -22.15% 41.53% -34.04% -13.37% -2.07% -47.16%
NOPAT Q/Q Growth		 7.59% 5.58% -37.60% -0.19% -22.61% 42.49% -33.44% -9.84% -3.40% -37.35%
Net Income Q/Q Growth		 7.59% 5.58% -37.60% -0.19% -22.61% 42.49% -33.44% -9.84% -3.40% -37.35%
EPS Q/Q Growth		 8.75% 5.75% -36.96% 0.00% -22.41% 40.00% -31.75% -9.30% 0.00% -33.33%
Operating Cash Flow Q/Q Growth		 109.04% -12.67% -25.33% 7.08% 40.37% -134.86% 155.03% 140.71% 109.90% -28.68%
Free Cash Flow Firm Q/Q Growth		 15.73% 20.94% -26.25% 181.96% -8.98% 63.66% 3.17% -55.28% -91.79% -1,132.10%
Invested Capital Q/Q Growth		 -0.19% -0.78% 1.16% -7.12% 0.29% -5.48% 0.36% -0.32% 6.11% -0.20%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 68.59% 54.91% 49.95% 45.76% 56.95% 44.48% 49.23% 35.95% 48.60% 9.60%
EBIT Margin		 55.52% 61.20% 42.61% 45.10% 39.80% 51.73% 39.93% 35.60% 31.59% 17.62%
Profit (Net Income) Margin		 40.11% 42.52% 30.09% 31.81% 27.91% 36.52% 28.45% 26.39% 23.11% 15.28%
Tax Burden Percent		 72.24% 69.48% 70.60% 70.54% 70.12% 70.59% 71.24% 74.14% 73.13% 86.71%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.76% 30.52% 29.40% 29.46% 29.88% 29.41% 28.76% 25.86% 26.87% 13.29%
Return on Invested Capital (ROIC)		 7.38% 8.06% 5.64% 5.62% 4.57% 5.81% 4.22% 3.85% 3.26% 2.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.38% 8.06% 5.64% 5.62% 4.57% 5.81% 4.22% 3.85% 3.26% 2.14%
Return on Net Nonoperating Assets (RNNOA)		 6.09% 6.32% 4.38% 4.53% 3.60% 4.04% 2.90% 2.37% 2.17% 1.30%
Return on Equity (ROE)		 13.48% 14.38% 10.02% 10.15% 8.17% 9.85% 7.11% 6.22% 5.44% 3.44%
Cash Return on Invested Capital (CROIC)		 -5.21% -2.87% -4.70% 13.65% 12.23% 16.58% 16.99% 9.68% 3.74% -2.51%
Operating Return on Assets (OROA)		 2.25% 2.42% 1.68% 1.72% 1.42% 1.75% 1.26% 1.07% 0.93% 0.50%
Return on Assets (ROA)		 1.62% 1.68% 1.18% 1.22% 1.00% 1.23% 0.90% 0.79% 0.68% 0.44%
Return on Common Equity (ROCE)		 13.47% 14.37% 10.02% 10.15% 8.17% 9.85% 7.11% 6.21% 5.43% 3.44%
Return on Equity Simple (ROE_SIMPLE)		 13.24% 0.00% 12.27% 11.23% 9.55% 0.00% 7.69% 7.01% 6.74% 0.00%
Net Operating Profit after Tax (NOPAT)		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
NOPAT Margin		 40.11% 42.52% 30.09% 31.81% 27.91% 36.52% 28.45% 26.39% 23.11% 15.28%
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%
SG&A Expenses to Revenue		 32.71% 26.37% 38.01% 38.83% 45.50% 38.84% 49.42% 49.64% 47.04% 49.05%
Operating Expenses to Revenue		 40.22% 34.24% 51.86% 53.80% 55.59% 49.58% 60.07% 62.38% 57.51% 61.48%
Earnings before Interest and Taxes (EBIT)		 23 25 16 16 12 17 11 9.77 9.57 5.06
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 23 18 16 17 15 14 9.87 15 2.76
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.78 0.75 0.56 0.43 0.46 0.68 0.64 0.67 0.80 0.71
Price to Tangible Book Value (P/TBV)		 0.92 0.89 0.66 0.51 0.54 0.80 0.75 0.79 0.93 0.83
Price to Revenue (P/Rev)		 2.35 2.26 1.73 1.40 1.63 2.59 2.62 2.89 3.42 3.13
Price to Earnings (P/E)		 5.87 5.65 4.55 3.85 4.84 8.19 8.35 9.62 11.85 13.48
Dividend Yield		 2.86% 2.92% 3.98% 5.28% 5.07% 3.50% 3.61% 3.43% 2.80% 3.15%
Earnings Yield		 17.05% 17.71% 21.96% 26.00% 20.67% 12.21% 11.97% 10.40% 8.44% 7.42%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.77 0.50 0.37 0.28 0.25 0.43 0.47 0.46 0.52
Enterprise Value to Revenue (EV/Rev)		 3.98 4.27 2.84 2.00 1.68 1.49 2.73 3.15 3.29 3.80
Enterprise Value to EBITDA (EV/EBITDA)		 6.11 6.99 4.60 3.41 3.03 3.03 5.17 6.18 6.72 10.57
Enterprise Value to EBIT (EV/EBIT)		 7.00 7.53 5.28 3.88 3.50 3.32 6.15 7.48 8.21 12.22
Enterprise Value to NOPAT (EV/NOPAT)		 9.92 10.69 7.48 5.48 5.00 4.71 8.72 10.48 11.40 16.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.98 7.33 5.85 3.70 2.90 3.90 8.76 11.39 12.16 7.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 2.59 2.25 1.43 2.38 4.75 12.43 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.91 0.84 0.83 0.68 0.67 0.56 0.55 0.56 0.66 0.66
Long-Term Debt to Equity		 0.91 0.84 0.83 0.68 0.67 0.56 0.55 0.56 0.66 0.66
Financial Leverage		 0.83 0.78 0.78 0.81 0.79 0.70 0.69 0.62 0.67 0.61
Leverage Ratio		 8.31 8.56 8.47 8.35 8.18 7.98 7.92 7.85 7.96 7.87
Compound Leverage Factor		 8.31 8.56 8.47 8.35 8.18 7.98 7.92 7.85 7.96 7.87
Debt to Total Capital		 47.57% 45.73% 45.23% 40.37% 40.28% 35.72% 35.61% 35.74% 39.62% 39.72%
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%
Long-Term Debt to Total Capital		 47.57% 45.73% 45.23% 40.37% 40.28% 35.72% 35.61% 35.74% 39.62% 39.72%
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%
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%
Common Equity to Total Capital		 52.42% 54.26% 54.77% 59.62% 59.71% 64.27% 64.38% 64.25% 60.37% 60.27%
Debt to EBITDA		 4.22 4.15 4.14 3.75 4.28 4.31 4.26 4.68 5.74 8.11
Net Debt to EBITDA		 2.50 3.30 1.80 1.02 0.10 -2.24 0.22 0.51 -0.27 1.85
Long-Term Debt to EBITDA		 4.22 4.15 4.14 3.75 4.28 4.31 4.26 4.68 5.74 8.11
Debt to NOPAT		 6.86 6.35 6.73 6.03 7.06 6.69 7.19 7.94 9.74 12.55
Net Debt to NOPAT		 4.06 5.04 2.92 1.63 0.16 -3.48 0.36 0.87 -0.45 2.86
Long-Term Debt to NOPAT		 6.86 6.35 6.73 6.03 7.06 6.69 7.19 7.94 9.74 12.55
Noncontrolling Interest Sharing Ratio		 0.02% 0.02% 0.02% 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)		 -90 -71 -90 74 67 110 113 51 4.15 -43
Operating Cash Flow to CapEx		 9,997.29% 7,609.46% 3,209.54% 27,704.62% 101,112.00% -23,189.47% 3,254.36% 7,833.56% 9,533.07% 7,499.57%
Free Cash Flow to Firm to Interest Expense		 -12.09 -5.21 -4.57 2.93 2.39 3.76 3.78 1.75 0.14 -1.50
Operating Cash Flow to Interest Expense		 3.47 1.65 0.86 0.72 0.90 -0.30 0.16 0.40 0.82 0.61
Operating Cash Flow Less CapEx to Interest Expense		 3.43 1.63 0.83 0.72 0.90 -0.30 0.16 0.40 0.81 0.60
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 5.77 5.93 5.87 5.73 5.38 5.10 4.81 4.61 4.67 4.56
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 900 893 903 839 841 795 798 796 844 843
Invested Capital Turnover		 0.18 0.19 0.19 0.18 0.16 0.16 0.15 0.15 0.14 0.14
Increase / (Decrease) in Invested Capital		 107 89 101 -63 -58 -98 -105 -43 2.85 47
Enterprise Value (EV)		 620 687 454 308 240 200 345 376 392 436
Market Capitalization		 366 363 276 216 232 348 330 345 407 360
Book Value per Share		 $24.80 $25.55 $26.08 $26.34 $26.45 $26.91 $27.60 $27.72 $28.62 $28.70
Tangible Book Value per Share		 $20.83 $21.58 $22.13 $22.40 $22.53 $23.00 $23.62 $23.72 $24.49 $24.55
Total Capital		 900 893 903 839 841 795 798 796 844 843
Total Debt		 428 408 409 339 339 284 284 284 335 335
Total Long-Term Debt		 428 408 409 339 339 284 284 284 335 335
Net Debt		 253 324 177 92 7.51 -148 14 31 -15 76
Capital Expenditures (CapEx)		 0.26 0.30 0.52 0.07 0.03 0.04 0.15 0.15 0.26 0.23
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 428 408 409 339 339 284 284 284 335 335
Total Depreciation and Amortization (D&A)		 5.42 -2.60 2.68 0.23 5.21 -2.39 2.63 0.10 5.15 -2.30
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.88 $0.93 $0.58 $0.58 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26
Adjusted Weighted Average Basic Shares Outstanding		 18.97M 19.10M 18.99M 18.99M 19.00M 18.97M 18.60M 18.38M 17.81M 18.12M
Adjusted Diluted Earnings per Share		 $0.87 $0.92 $0.58 $0.58 $0.45 $0.63 $0.43 $0.39 $0.39 $0.26
Adjusted Weighted Average Diluted Shares Outstanding		 18.97M 19.33M 19.05M 19.00M 19.00M 18.99M 18.67M 18.41M 17.89M 18.18M
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
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.97M 0.00 18.99M 19.00M 19.00M 18.62M 18.44M 17.80M 17.69M 17.73M
Normalized Net Operating Profit after Tax (NOPAT)		 17 18 11 11 8.47 12 8.04 7.25 7.00 4.39
Normalized NOPAT Margin		 40.11% 42.52% 30.09% 31.81% 27.91% 36.52% 28.45% 26.39% 23.11% 15.28%
Pre Tax Income Margin		 55.52% 61.20% 42.61% 45.10% 39.80% 51.73% 39.93% 35.60% 31.59% 17.62%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.10 1.85 0.79 0.62 0.43 0.59 0.38 0.34 0.32 0.18
NOPAT to Interest Expense		 2.24 1.29 0.56 0.44 0.30 0.41 0.27 0.25 0.23 0.15
EBIT Less CapEx to Interest Expense		 3.07 1.83 0.76 0.62 0.43 0.59 0.37 0.33 0.31 0.17
NOPAT Less CapEx to Interest Expense		 2.20 1.27 0.53 0.43 0.30 0.41 0.26 0.25 0.23 0.15
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 17.00% 16.69% 18.21% 20.31% 24.55% 28.64% 30.61% 33.70% 34.65% 43.95%
Augmented Payout Ratio		 50.10% 47.50% 41.43% 25.64% 26.67% 44.66% 51.57% 79.55% 114.62% 121.49%

Key Financial Trends

RBB Bancorp's financials over the past two years show a stable but slightly fluctuating earnings trajectory, with notable trends in revenue streams, expense management, and capital allocation. Here's a summary of key observations from the quarterly income statements, cash flow statements, and balance sheets from Q3 2022 through Q4 2024:

  • Consistent Net Interest Income: RBB's net interest income remains a primary revenue driver, generally stable around $23 million to $34 million per quarter in 2024, compared with $25 million to $39 million in 2022 and 2023. This consistency supports reliable core banking operations.
  • Controlled Salary and Employee Benefits Expenses: Salaries and benefits are a large expense but have remained relatively stable, around $9.5 million to $10 million per quarter in 2024, consistent with prior years, reflecting controlled personnel expenses.
  • Increasing Provision for Credit Losses: The provision for credit losses has increased notably in recent quarters, from minor amounts or reversals in 2023 and early 2024 to $6 million in Q4 2024. This cautious stance indicates prudent risk management as economic uncertainty may rise.
  • Strong Net Income Trends: Quarterly net income remained solid throughout 2023 and 2024, with Q4 2024 net income at approximately $4.4 million, sustaining positive profitability despite increased credit loss provisions.
  • Stable Earnings Per Share (EPS): Basic and diluted EPS held steady around $0.26 in Q4 2024, compared to above $0.58 in early 2023 and peaking near $0.93 in late 2022, showing some compression but no dramatic decline.
  • Solid Balance Sheet Growth: Total assets grew modestly from approximately $3.9 billion in Q3 2022 to about $4.0 billion by Q3 2024. Loans and leases net of allowance increased, signaling loan book growth supported by deposit inflows.
  • Fluctuating Non-Interest Income: Non-interest income, including service charges and realized capital gains, showed volatility, with some quarters experiencing negative capital gains impacting overall non-interest income.
  • Significant Investing and Financing Activity Fluctuations: Cash flow statements reveal large swings in investment securities purchases and sales, as well as deposits and debt issuance/repayment. These swings are normal in banking but contribute to cash position volatility.
  • Rising Interest Expense on Deposits: Interest expense has increased substantially from about $10 million per quarter in late 2022 to nearly $26 million in Q4 2024, reflecting a higher interest rate environment that pressures net interest margins.
  • Decreased Other Operating Revenues in Recent Quarters: Other service charges and non-interest income declined from peaks in 2023 to lower levels in 2024, which could pressure total revenue growth.

In summary, RBB Bancorp has exhibited stable core earnings and asset growth, balanced against increased credit loss provisions and higher funding costs. Earnings per share have softened compared to historical peaks, largely due to rising interest expenses. The company’s active management of its investment securities and cash flows indicates nimble balance sheet handling, but investors should monitor the impact of increasing credit provisions and interest expenses on future profitability.

08/03/25 06:21 AMAI Generated. May Contain Errors.

Frequently Asked Questions About RBB Bancorp's Financials

When does RBB Bancorp's financial year end?

According to the most recent income statement we have on file, RBB Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has RBB Bancorp's net income changed over the last 2 years?

RBB Bancorp's net income appears to be on a downward trend, with a most recent value of $26.67 million in 2024, falling from $64.33 million in 2022. The previous period was $42.47 million in 2023. See where experts think RBB Bancorp is headed by visiting RBB Bancorp's forecast page.

How has RBB Bancorp's revenue changed over the last 2 years?

Over the last 2 years, RBB Bancorp's total revenue changed from $160.81 million in 2022 to $114.70 million in 2024, a change of -28.7%.

How much debt does RBB Bancorp have?

RBB Bancorp's total liabilities were at $3.48 billion at the end of 2024, a 0.9% decrease from 2023, and a 1.5% increase since 2022.

How much cash does RBB Bancorp have?

In the past 2 years, RBB Bancorp's cash and equivalents has ranged from $22.67 million in 2023 to $83.55 million in 2022, and is currently $27.75 million as of their latest financial filing in 2024.

How has RBB Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, RBB Bancorp's book value per share changed from 25.55 in 2022 to 28.70 in 2024, a change of 12.3%.


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This page (NASDAQ:RBB) was last updated on 8/3/2025 by MarketBeat.com Staff
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