RBB Bancorp
RBB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$26.32
KIRA · Stoqly’s AI analyst, in plain words
- RBB Bancorp had $5.2M of revenue in fiscal 2025, down 2.4% on the year before. Over five years, revenue changed +2.9% a year on average.
- RBB Bancorp made $31.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 3.1% a year.
- RBB Bancorp returned $25.2M to shareholders in fiscal 2025, 59% of free cash flow. The diluted share count fell 3.8%.
- It earned 6.2% on shareholders’ money. Running costs took 1,483.7% of revenue (the efficiency ratio; lower is better).
Market cap
$451M
P/E
10.8x
Revenue
$5.2M
Net income
$31.9M
Return on equity
6.2%
Efficiency ratio
1,483.7%
RBB Bancorp in 30 seconds · fiscal 2025
Are sales growing?
−2.4%
No. Sales fell 2.4% last year.
Does it make a profit?
618.3%
Yes. It keeps 618.3% of every sale as profit.
How lean are its costs?
1,483.7%
Costly. Running costs take 1,483.7% of revenue.
How much does it earn on its capital?
6.2%
Low. It earns 6.2% a year on shareholders’ money.
How is the share priced?
10.8x
One share costs 10.8 times its yearly profit per share.
What RBB Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 9, 2026
- Legal name
- RBB Bancorp
- CIK
- 0001499422
RBB Bancorp · RBB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $7.1M | $5.6M | $5.3M | $5.3M | $5.2M |
| Revenue growth | 57.7% | −21.1% | −4.6% | −0.5% | −2.4% |
| Net interest income | $124M | $150M | $119M | $99.4M | $112M |
| Net income | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| Net margin | 805.2% | 1,153.0% | 797.9% | 503.8% | 618.3% |
| Diluted EPS | $2.86 | $3.33 | $2.24 | $1.47 | $1.83 |
| Cash | |||||
| Cash from operations | $202M | $93.8M | $51.3M | $58.5M | $43.4M |
| Capital expenditure | $2.0M | $2.1M | $0.7M | $0.8M | $0.8M |
| Free cash flow | $200M | $91.7M | $50.6M | $57.7M | $42.6M |
| FCF margin | 2,832.7% | 1,644.5% | 951.5% | 1,090.3% | 824.3% |
| Dividends paid | $9.9M | $10.7M | $12.2M | $11.7M | $11.3M |
| Share buybacks | $10.5M | $19.8M | $6.8M | $20.7M | $14.0M |
| Share count change | −0.4% | −2.5% | −1.8% | −4.2% | −3.8% |
| Debt and strength | |||||
| Cash and short-term investments | $694M | $83.5M | $431M | $258M | $212M |
| Debt incl. finance leases | $173M | $174M | $119M | $120M | $120M |
| Loans, net | $2.9B | $3.3B | — | — | $3.3B |
| Deposits | $3.4B | $3.0B | $3.2B | $3.1B | $3.4B |
| Shareholders' equity | $467M | $485M | $511M | $508M | $523M |
| Returns and quality | |||||
| Return on equity | 12.7% | 13.5% | 8.5% | 5.2% | 6.2% |
| Return on tangible equity | 14.3% | 15.6% | 9.7% | 6.1% | 7.1% |
| Efficiency ratio | 823.4% | 1,156.6% | 1,328.4% | 1,306.7% | 1,483.7% |
| Piotroski F-score | 6 | 5 | 5 | 5 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.7M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
RBB Bancorp · RBB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $26.32 a share, the company is worth $451M: 10.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001499422). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.