Zacks Investment Research·Jul 1, 2026
RBB Bancorp (RBB) Hits Fresh High: Is There Still Room to Run?RBB (RBB) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
RBB Bancorp(RBB)Earnings, Financials & Key Ratios
RBB•NASDAQ•Banking & Credit
$26.59
14.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutRBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American, and other Asian-American communities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential, commercial, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services. The company primarily offers its products and services to individuals, businesses, municipalities, and other entities. As of December 31, 2021, it operated 23 branches in the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.Show more
- Net Interest Income$111M+13.5%
- Total Revenue$238M+2.6%
- Net Income$32M+19.8%
- Return on Equity6.2%+18.4%
- Net Interest Margin2.64%+7.7%
- Efficiency Ratio32.21%+8.0%
- ROA0.78%+17.1%
- Equity / Assets12.44%-2.2%
- Book Value per Share30.54+9.3%
RBB Price & Volume
RBB Bancorp (RBB) stock price & volume — 10-year historical chart
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Persistent Margin Compression Challenges RBB Growth Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE and SBA concentration
Key Thesis Takeaways
- RBB Bancorp demonstrates a resilient recovery in net interest income, which grew to $30.5 million in 2026Q1, yet the bank faces structural headwinds from a stagnant 0.7% net interest margin.
- While the institution maintains a stable equity-to-assets ratio of 13%, its heavy reliance on a $3.7 billion investment securities portfolio introduces potential duration risk in a volatile rate environment.
- Investors should monitor the bank's ability to transition from securities-driven asset growth toward core loan expansion while managing the inherent volatility in its SBA and mortgage-related fee income streams.
Verdict Logic
while the bank maintains a solid 13% equity-to-assets ratio, the stagnant 0.7% net interest margin and high valuation at a 14.78 P/E TTM suggest limited near-term upside potential.
RBB Growth Metrics
RBB Bancorp (RBB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.82%
5 Years9.23%
3 Years7.52%
TTM-
Profit CAGR
10 Years9.43%
5 Years-0.6%
3 Years-20.81%
TTM95.79%
EPS CAGR
10 Years6.66%
5 Years2.09%
3 Years-18.09%
TTM103.45%
Return on Capital
10 Years9.35%
5 Years7.33%
3 Years5.21%
Last Year4.77%
RBB Recent Earnings
RBB Bancorp (RBB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.66+46.7%
$0.45
Rev
$35M+7.3%
$32M
Q1 2026
Feb 2, 2026Metric
Actual
Est
EPS
$0.25-49.0%
$0.49
Rev
$60M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.59+20.4%
$0.49
Rev
$32M-2.7%
$33M
Q4 2025
Oct 20, 2025Metric
Actual
Est
EPS
$0.59+43.9%
$0.41
Rev
$33M-1.9%
$33M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.66vs $0.45+46.7% | $35Mvs $32M+7.3% |
| Q1 2026 | Feb 2, 2026 | $0.25vs $0.49-49.0% | $60M |
| Q1 2026 | Jan 26, 2026 | $0.59vs $0.49+20.4% | $32Mvs $33M-2.7% |
| Q4 2025 | Oct 20, 2025 | $0.59vs $0.41+43.9% | $33Mvs $33M-1.9% |
Based on last 12 quarters of dataView full earnings history →
Latest RBB News
Recent stock market news and headlines for RBB Bancorp (RBB)
GlobeNewsWire·Jul 1, 2026
RBB Bancorp to Report Second Quarter 2026 Financial ResultsLOS ANGELES, July 01, 2026 (GLOBE NEWSWIRE) -- RBB Bancorp (NASDAQ: RBB) and its subsidiaries, Royal Business Bank (the "Bank") and RBB Asset Management Company ("RAM"), collectively referred to herein as the "Company", today announced that it will release financial results for its second quarter ended June 30, 2026 after the markets close on Monday, July 20, 2026. Management will hold a conference call at 11:00 a.m.
Zacks Investment Research·Jun 26, 2026
RBB (RBB) is a Great Momentum Stock: Should You Buy?Does RBB (RBB) have what it takes to be a top stock pick for momentum investors? Let's find out.
Zacks Investment Research·Jun 16, 2026
New Strong Buy Stocks for June 16thTXN, ARCB, PGY, RBB and ETSY have been added to the Zacks Rank #1 (Strong Buy) List on June 16, 2026.
Zacks Investment Research·Jun 16, 2026
Best Value Stocks to Buy for June 16thPGY, NEM and RBB made it to the Zacks Rank #1 (Strong Buy) value stocks list on June 16, 2026.
Peers Comparison
Key metrics vs top competitors for RBB Bancorp (RBB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.59 | $450.33M | 14.53 | 2.59% | 13.42% | 6.2% | 2.47% | |
| $32.17 | $957.59M | 12.82 | 3.55% | 18.42% | 10.31% | — | |
| $130.49 | $17.88B | 13.71 | 4.63% | 29.43% | 16.06% | — | |
| $13.35 | $1.71B | 29.02 | -3.23% | 6.82% | 2.96% | — | |
| $105.22 | $1.25B | 10.11 | -4.11% | 26.69% | 17.48% | — | |
| $20.61 | $662.92M | 10.68 | 28.44% | 25.68% | 10.59% | — |
Compare RBB vs Peers
RBB Bancorp (RBB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RBB SEC Filings & Documents
RBB Bancorp (RBB) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 15, 2026·SEC
Material company update
May 22, 2026·SEC
Material company update
Apr 20, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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RBB Frequently Asked Questions
RBB Bancorp (RBB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is RBB Bancorp growing?
RBB Bancorp (RBB) grew revenue by 2.6% over the past year. Growth has been modest.
Is RBB profitable?
Yes, RBB Bancorp (RBB) is profitable, generating $41.0M in net income for fiscal year 2025 (13.4% net margin).
Dividend & Returns
Does RBB pay dividends?
Yes, RBB Bancorp (RBB) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
What is RBB's return on equity?
RBB Bancorp (RBB) has a return on equity (ROE) of 6.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is RBB Bancorp's net interest margin?
RBB Bancorp (RBB) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is RBB Bancorp's efficiency ratio?
RBB Bancorp (RBB) has an efficiency ratio of 32.2%. This is excellent, indicating strong cost control.