Stocks · Financial Services · Banks - Regional
RBB Bancorp RBB
$26.19 -0.11% Close, Oct 2, 2026 · NASDAQ · Market cap $443.6M
Strong trend
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.43, up 88.4% year over year.
- Operating margin widened to 23.1% from 13.1% a year earlier.
- Net debt is 4.7× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 36%
- EPS growth (TTM, YoY)Top 14%
- FCF growth (TTM, YoY)Bottom 18%
- Revenue growth, 3-year CAGRBottom 22%
- Revenue growth accelerationBottom 27%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 43%
- Gross marginBottom 27%
- Operating marginTop 47%
- Cash conversion (OCF / net income)Top 38%
- Accruals (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 27%
- Interest coverBottom 27%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 24%
- EBITDA / enterprise valueTop 37%
- Sales / enterprise valueTop 45%
- P/E vs own 5-year history (lower is better)Bottom 45%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 10%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 10%
- Distance from 52-week highTop 37%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 9%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyBottom 9%
- Upside to consensus price targetBottom 35%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 29%
- Maximum drawdown, 3 yearsBottom 26%
- Beta vs S&P 500 (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 27%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.0% | 3.0% | ↓ |
| EPS growth (YoY) | 103.4% | 88.4% | ↓ |
| Gross margin | 44.7% | 54.4% | ↑ |
| Operating margin | 13.1% | 23.1% | ↑ |
| FCF margin | 30.1% | 22.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.0% | 7.0% | ↓ | Bottom 36% |
| EPS growth (TTM, YoY) | 88.4% | 103.4% | ↓ | Top 14% |
| Gross margin | 54.4% | 44.7% | ↑ | Bottom 27% |
| Operating margin | 23.1% | 13.1% | ↑ | Top 47% |
| Net margin | 17.3% | 9.8% | ↑ | — |
| Free-cash-flow margin | 22.8% | 30.1% | ↓ | — |
| Return on invested capital | 1.0% | — | Bottom 43% | |
| Revenue growth, 3-year CAGR | 7.5% | — | Bottom 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.33×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.71×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.49%
- Net buyback yield (TTM)
- 3.62%
- Shareholder yield
- 6.12%
- Share count change, 1 year
- -3.6%
- Share count change, 3-year CAGR
- -3.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +30.3%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $29.00
- Target vs current price
- +10.7%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 14%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +10.1% | -1.2% | -2.9% | +2.0% | — |
| Apr 20, 2026 | +46.7% | +0.3% | +3.3% | +0.3% | +19.2% |
| Jan 26, 2026 | +20.4% | +0.7% | -3.2% | +2.5% | +12.9% |
| Oct 20, 2025 | +43.9% | +3.4% | +13.9% | +13.1% | +26.4% |
| Jul 21, 2025 | +44.4% | -0.1% | +3.8% | +6.0% | -4.8% |
| Apr 28, 2025 | -65.8% | -1.1% | +0.1% | +2.0% | +22.6% |
| Feb 3, 2025 | -30.6% | -1.5% | -1.3% | -7.3% | -15.3% |
| Oct 21, 2024 | +2.6% | -3.0% | -7.6% | +1.9% | -16.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $0.59 | $0.54 | +10.1% | $33.1M |
| Apr 20, 2026 | $0.66 | $0.45 | +46.7% | $34.8M |
| Jan 26, 2026 | $0.59 | $0.49 | +20.4% | $32.3M |
| Oct 20, 2025 | $0.59 | $0.41 | +43.9% | $31.9M |
| Jul 21, 2025 | $0.52 | $0.36 | +44.4% | $29.7M |
| Apr 28, 2025 | $0.13 | $0.38 | -65.8% | $28.5M |
| Feb 3, 2025 | $0.25 | $0.36 | -30.6% | $28.7M |
| Oct 21, 2024 | $0.39 | $0.38 | +2.6% | $27.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.8× | 10.2× | 62th | Top 22% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 11.8× | — | — | Top 37% |
| EV / Sales | 3.05× | — | — | Top 45% |
| Free-cash-flow yield | 12.44% | — | — | Top 24% |
| Earnings yield | 9.28% | — | — | Top 22% |
P/E over the past five years
Range 2.9× – 14.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +43.0%
- Earnings per share growth (TTM)
- +88.4%
- Change in P/E multiple
- -22.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 239
- 50-day average slope (20 days)
- -0.7%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -1.5%
- Distance from 200-day average
- +9.3%
- RSI (14)
- 44.0
- Relative volume
- 0.96×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -6.2%
- Maximum drawdown, 3 years
- -39.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 25, 2022 | May 4, 2023 | -68.3% | 320 days | Not yet recovered |
| Mar 12, 2021 | Apr 22, 2021 | -15.4% | 28 days | 16 days (May 14, 2021) |
| Nov 8, 2021 | Dec 17, 2021 | -11.8% | 28 days | 15 days (Jan 10, 2022) |
| Jan 12, 2021 | Feb 1, 2021 | -10.6% | 13 days | 5 days (Feb 8, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $443.6M
- P/E (TTM)
- 10.8
- EPS, diluted (TTM)
- $2.43
- Revenue (TTM)
- $241.9M
- Dividend yield
- 2.44%
- 52-week range
- $16.74 – $28.24
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $165.8M | $191.5M | $236.1M | $232.0M | $238.0M |
| Gross profit | $139.1M | $155.1M | $130.9M | $104.8M | $118.8M |
| Operating income | $80.9M | $91.3M | $60.2M | $35.7M | $42.1M |
| Net income | $56.9M | $64.3M | $42.5M | $26.7M | $31.9M |
| EPS (diluted) | $2.86 | $3.33 | $2.24 | $1.47 | $1.83 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $60.2M | $57.3M | $54.6M | $62.7M | $60.7M | $60.0M | $61.1M | $60.2M |
| Net income | $7.0M | $4.4M | $2.3M | $9.3M | $10.1M | $10.2M | $11.3M | $10.1M |
| EPS (diluted) | $0.39 | $0.25 | $0.13 | $0.52 | $0.59 | $0.59 | $0.66 | $0.59 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $202.2M | $93.8M | $51.3M | $58.5M | $43.4M |
| Capital expenditure | -$2.0M | -$2.1M | -$652,000 | -$788,000 | -$798,000 |
| Free cash flow | $200.2M | $91.7M | $50.6M | $57.7M | $42.6M |
| Dividends paid | -$9.9M | -$10.7M | -$12.2M | -$11.7M | -$11.3M |
| Net share buybacks | -$10.5M | -$19.8M | -$6.8M | -$20.7M | -$13.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $25.4M
- Total assets
- $4.28B
- Total liabilities
- $3.74B
- Total debt
- $319.3M
- Net debt
- $294.0M
- Shareholders’ equity
- $535.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.16 | Aug 11, 2026 |
| Apr 30, 2026 | $0.16 | May 15, 2026 |
| Jan 30, 2026 | $0.16 | Feb 13, 2026 |
| Oct 31, 2025 | $0.16 | Nov 12, 2025 |
| Jul 31, 2025 | $0.16 | Aug 12, 2025 |
| Apr 30, 2025 | $0.16 | May 12, 2025 |
| Jan 31, 2025 | $0.16 | Feb 12, 2025 |
| Oct 31, 2024 | $0.16 | Nov 12, 2024 |
Short interest
- Shares sold short
- 589,131
- Days to cover
- 7.38
- Change vs previous report
- +7.8%
FINRA short interest, settlement date Sep 15, 2026.