RBB Bancorp Common Stock (RBB)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at RBB Bancorp as a small, niche bank: $434.7 million market cap, 369 employees, serving Asian-centric communities. That can create sticky deposit and lending relationships, but it is not a wide moat—banking is competitive, and customers can move for rates. The price at the 2026-10-13 close of $25.70 is undemanding: FairStock calculates a P/E of 10.58, P/B of 0.82, dividend yield 2.49%, and a 68/100 FairStock score. Yet cheapness alone is not enough. FairStock's ROE is only 7.93%, which is not the high-teens return I want from a bank. Filed figures show fiscal year 2025 net income of $31.9 million and diluted EPS of $1.83, up from fiscal year 2024 net income of $26.7 million and EPS of $1.47. But fiscal year 2023 was stronger, with net income of $42.5 million and EPS of $2.24. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $10.1 million and diluted EPS was $0.59; fiscal Q1 2026, the quarter ended 2026-03-31, net income was $11.3 million and EPS $0.66. So earnings are profitable but uneven. The FairStock-computed Piotroski F-Score of 4/9 and FairStock's Lynch category—SLOW GROWER, shrinking profits -0.6% a year over five years—reinforce caution. The missing pieces are bank-specific: CET1, NIM, nonperforming loans, reserves, and charge-offs are not in the data, and combined ratio is not relevant for a bank. At 0.82 times book, the market already expects mediocre returns. If credit stays clean and ROE improves, the stock could re-rate; if not, book value may be the only support.

In plain English: RBB Bancorp is a small regional bank focused on Asian-centric communities in the United States. It is profitable and pays a dividend, but its returns on shareholder money are modest and earnings have moved up and down. At $25.70, the stock looks inexpensive compared with its profits and net assets, though the missing details on loan quality and capital make that cheapness uncertain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer