RBB Bancorp RBB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $26.66
Market Cap $451.51M
P/E Ratio 14.57
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑12.6% YoY
$129.16M
3-Yr CAGR: -7.0%
Net Income ↑19.8% YoY
$31.95M
Net Margin: 24.7%
Free Cash Flow ↓-26.2% YoY
$42.59M
FCF Yield: 9.43%
EPS (Diluted) ↑24.5% YoY
$1.83
Basic: $1.83
Return on Equity Efficiency
6.1%
ROA: 0.8%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (RBB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $65.4M $53.7M $19.1M $1.39 $0.20 $56.2M $56.0M
FY 2017 $73.4M +12.1% $59.4M $25.5M +33.8% $1.68 +20.9% $0.36 1.33% $28.8M $28.1M -49.8%
FY 2018 $91.3M +24.5% $67.7M $36.1M +41.4% $2.01 +19.6% $0.34 1.91% $-84.6M $-87.1M -410.1%
FY 2019 $115.2M +26.1% $70.3M $39.2M +8.6% $1.92 -4.5% $0.40 1.90% $476.5M $475.1M +645.3%
FY 2020 $118.8M +3.1% $84.4M $32.9M -16.0% $1.65 -14.1% $0.33 2.15% $124.5M $120.3M -74.7%
FY 2021 $143.1M +20.4% $120.4M $56.9M +72.8% $2.86 +73.3% $0.51 1.95% $202.2M $200.2M +66.4%
FY 2022 $160.8M +12.4% $129.4M $64.3M +13.0% $3.33 +16.4% $0.56 2.69% $93.8M $91.7M -54.2%
FY 2023 $134.3M -16.5% $32.4M $42.5M -34.0% $2.24 -32.7% $0.64 3.36% $51.3M $50.6M -44.8%
FY 2024 $114.7M -14.6% $35.7M $26.7M -37.2% $1.47 -34.4% $0.64 3.12% $58.5M $57.7M +14.0%
FY 2025 $129.2M +12.6% $20.3M $31.9M +19.8% $1.83 +24.5% $0.64 3.10% $43.4M $42.6M -26.2%
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Valuation

Market Price $26.66
Market Cap $451.51M
Enterprise Value $359.11M
P/E Ratio 14.57
P/B Ratio 0.86
FCF Yield 9.43%
Dividend Yield 2.40%
Shares Outstanding 16,935,900
%

Profitability & Margins

Gross Margin 15.73%
Operating Margin 32.62%
Net Margin 24.74%
Return on Equity (ROE) 6.10%
Return on Assets (ROA) 0.76%
Asset Turnover 0.03x
Revenue 3-Yr CAGR -7.05%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.229
Debt / Assets 0.028
Cash & Equivalents $212.32M
Total Debt $119.91M
Book Value / Share $30.90
💧

Cash Flow Efficiency

Operating Cash Flow $43.39M
Capital Expenditures (CapEx) $798.00K
Free Cash Flow $42.59M
OCF / Revenue 33.59%
FCF / Revenue 32.98%
FCF 3-Yr CAGR -22.57%
🏷️

Per Share Metrics

EPS (Diluted) $1.83
EPS (Basic) $1.83
Dividends / Share $0.64
Book Value / Share $30.90
EPS YoY Growth 24.49%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.21B
Total Liabilities $3.68B
Stockholders' Equity $523.40M
Current Assets N/A
Current Liabilities N/A