RBB Bancorp (RBB) Stock

RBB Bancorp (RBB) is a Financials stock trading at $26.64 (as of 2026-08-21), with a market capitalization of $450.64M and a trailing P/E of 10.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

RBB Bancorp is a bank holding company for Royal Business Bank, offering deposit accounts (including checking, savings, money market accounts, and certificates of deposit), commercial and real estate lending, and international trade-related services such as letters of credit, foreign exchange, and trade finance. It serves individuals, businesses, and other entities, including Chinese-American and Korean-American communities.

Understand RBB Bancorp: how it makes money

RBB Bancorp operates as the bank holding company for Royal Business Bank, providing deposit products and a range of loan products (including commercial and industrial, construction, and residential mortgage lending) to Chinese-American, Korean-American, and other Asian-American communities, earning income through its lending and other banking activities.

As a deposit-funded lender, profit is structurally driven by the relationship between the yields it earns on earning assets and the cost of interest-bearing deposits, while the net loan to deposit ratio (99.0%) shows how fully deposits are being deployed into loans.

Business quality (Strong): We have no official reportable business segments in the provided data, and the operating_margin_pct for 2026-03-31 is reported as 757.2, so the clearest investment focus from the provided dataset is on operating metrics like deposit mix, lending volume, loan yields, and deposit costs.

Valuation: At 11× earnings, RBB trades 9% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Stronger earning power on the asset side: Yield on Average Earning Assets is 6.01 percent for the latest period provided.
  • Loan activity supported: Loan Originations are 0.14 USD_B and Loan Production is 0.13 USD_B.
  • Credit cost cushion indicated: Allowance for Credit Losses Coverage Ratio is 1.29 percent.

Bear case

  • Deposit mix headwind: Non-Interest Bearing Deposits Decrease by 0.16 USD_B (and the label also notes decreases in non-interest-bearing deposits at period end versus the prior quarter).
  • Nonperforming risk not zero: Net Exposure to Nonperforming Loans is 0.05 USD_B, and Loans Migrated to Nonaccrual is 0.02 USD_B.
  • Concentration to commercial real estate offices: Office commercial real estate loan exposure is 0.04 USD_B (and commercial real estate office loan exposure is also 0.04 USD_B).
Valuation — source: SEC EDGAR (first-party)
Price$26.64
Market Cap$450.64M
P/E Ratio10.5
EV / EBITDA4.4
Price / Book0.84
Price / Sales68.83
DCF Value (model)$25.76
DCF Upside vs Price-3.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$5.17M
Net Margin618.3%
Revenue Growth (YoY)86.3%
EPS Growth (YoY)407.7%
Valuation vs Sector & Industry
Stock P/E10.5
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-30.5%
vs Industry-19.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFJ Capital Management LLC ($32.30M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJohnny Lee
Employees372
CountryUS
IPO Date2017-07-26

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RBB earnings history · RBB institutional & insider holders · RBB KPIs & operating metrics · RBB financials · RBB investor presentations & press releases · RBB SEC filings · RBB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.