# RBB Bancorp (RBB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $25.81, market value $437 million.

## Valuation
- **P/E (trailing): 10.0×** (5-yr avg 9.1×, 3-yr avg 10.7×). RBB Bancorp trades at 10.0× trailing earnings, close to its own five-year average of 9.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.44**. A PEG of 0.44 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 75.3×**. Each dollar of revenue is priced at 75.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 10.0%**. The inverse of the P/E: 10.0% of the price is earned each year.

## Profitability
- **Return on equity: 6.1%**. 6.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.0%**. Each dollar of assets produces 1.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -2.4%** (3-yr -2.5%/yr, 5-yr 2.9%/yr). Revenue fell 2.4% over the last year, against 2.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 24.5%** (3-yr -18.1%/yr, 5-yr 2.1%/yr). Earnings per share rose 24.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -22.6%/yr**. Free cash flow has compounded at -22.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $212 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.48%** ($0.64 per share, trailing). RBB Bancorp yields 2.48%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 35%**. 35% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 14.2%/yr** (1-yr 0.0%). The dividend has compounded at 14.2% a year over five years, doubling roughly every 5 years at that pace.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover RBB Bancorp; the consensus is hold, with an average price target of $28.90 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 42.4%** (YTD 28.6%, 3-mo -1.4%). The shares are up 42.4% over twelve months including dividends.
- **From 52-week high: -8.6%** (39.9% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.53** (volatility 23%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RBB · Page: https://foliofundamentals.com/stocks/rbb

Not investment advice.