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RBB

RBB Bancorp

RBB

RBB Bancorp • NASDAQ
$19.81 ▼ -1.15% (-0.23)
Market Cap $337.70 M
52w High $24.27
52w Low $14.40
Dividend Yield 0.64%
P/E 13.3
Volume 25.01K
Outstanding Shares 17.05M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $60.685M ▼ $18.683M ▼ $10.148M ▲ 16.722% ▲ $0.58 ▲ $15.461M ▲
Q2-2025 $62.683M ▲ $20.493M ▲ $9.333M ▲ 14.889% ▲ $0.53 ▲ $15.165M ▲
Q1-2025 $54.631M ▼ $18.522M ▲ $2.29M ▼ 4.192% ▼ $0.13 ▼ $5.394M ▼
Q4-2024 $57.284M ▼ $17.649M ▲ $4.385M ▼ 7.655% ▼ $0.25 ▼ $7.4M ▼
Q3-2024 $60.171M $17.421M $6.999M 11.632% $0.39 $11.86M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $646.161M ▲ $4.208B ▲ $3.694B ▲ $514.263M ▼
Q2-2025 $605.594M ▼ $4.09B ▲ $3.572B ▲ $517.581M ▲
Q1-2025 $617.611M ▲ $4.009B ▲ $3.499B ▲ $510.234M ▲
Q4-2024 $345.546M ▼ $3.992B ▲ $3.485B ▲ $507.805M ▼
Q3-2024 $655.656M $3.99B $3.481B $509.656M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $10.148M ▲ $2.116M ▼ $-71.936M ▲ $112.898M ▲ $43.078M ▲ $1.753M ▼
Q2-2025 $9.333M ▲ $21.657M ▲ $-130.009M ▼ $61.381M ▲ $-46.971M ▼ $21.559M ▲
Q1-2025 $2.29M ▼ $7.773M ▼ $-42.432M ▲ $15.737M ▲ $-18.922M ▲ $7.593M ▼
Q4-2024 $4.385M ▼ $17.474M ▼ $-98.363M ▼ $-10.756M ▼ $-91.645M ▼ $17.241M ▼
Q3-2024 $6.999M $24.5M $-32.786M $104.907M $96.621M $24.243M

Revenue by Products

Product Q3-2019Q4-2019Q1-2020Q2-2020
Fees And Service Charges On Deposit Accounts
Fees And Service Charges On Deposit Accounts
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Fees
Other Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Service Income
Other Service Income
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement RBB has remained consistently profitable over the past five years, but earnings have cooled from their peak. Revenue has grown compared with the early years in the period, yet profit margins have narrowed, especially since 2022. This suggests higher funding costs, credit costs, or operating expenses are weighing on results. The bank still generates solid bottom‑line profits, but the trend is one of pressure rather than acceleration, with earnings per share now meaningfully below their high point a couple of years ago.

Balance Sheet

Balance Sheet The balance sheet looks generally steady and reasonably well supported by equity. Total assets have fluctuated within a relatively tight range, indicating a stable, mature franchise rather than rapid expansion. Capital levels have edged up over time, which is a positive signal for resilience. Borrowings appear manageable and not excessive relative to the size of the institution. Cash levels have moved around from year to year, which is typical for a bank, but there is no obvious sign of structural strain based on this snapshot alone.

Cash Flow

Cash Flow RBB has produced positive operating cash flow in every year shown, which is encouraging for a bank whose core business is transforming deposits into loans. Free cash flow tracks operating cash flow closely, and investment spending appears modest, reflecting the asset‑light nature of banking operations. The pattern shows that while cash generation is not surging, it is consistently positive, providing a base to support dividends, organic growth, and selective acquisitions, subject to regulatory and capital considerations.

Competitive Edge

Competitive Edge RBB’s main strength is its deep specialization in serving the Asian‑American community, particularly entrepreneurs and small to mid‑sized businesses. Its cultural fluency, bilingual staff, and long‑standing relationships create a real competitive moat that large national banks may find hard to replicate. Designations as a Minority Depository Institution and Community Development Financial Institution add credibility and access to certain forms of support. On the other hand, the bank competes in a crowded market and faces ongoing pressure from larger banks and digital‑first players. Its niche focus is a strength, but also a concentration risk if economic conditions weaken in its core communities or key geographies.

Innovation and R&D

Innovation and R&D RBB is not a heavy spender on cutting‑edge technology, but it is working to upgrade its digital banking in a practical, business‑oriented way. The bank offers standard online and mobile services, with room to improve user experience based on mixed customer feedback. Management has explicitly highlighted digital banking initiatives and business model innovation, and a senior operations role is tasked with pushing these efforts. RBB is also leveraging its expertise in trade finance, SBA lending, and wealth management as differentiated capabilities rather than relying solely on new tech. Future innovation likely centers on better digital tools for business clients, growth in wealth management, and possibly acquiring banks or platforms that broaden its reach or technology base.

Summary

Overall, RBB Bancorp looks like a focused community bank with stable fundamentals, dependable (though recently pressured) profitability, and a well‑defined niche in the Asian‑American market. Financial performance has softened from earlier highs, reflecting a tougher operating environment, but the bank remains profitable with a solid capital base and consistent cash generation. Its edge comes less from breakthrough technology and more from community relationships, cultural understanding, and specialized products. The main watch points are how effectively it upgrades its digital offerings, navigates interest‑rate and credit cycles, manages leadership transition, and balances its concentrated niche with prudent diversification over time.

NEWS

October 20, 2025 · 5:41 PM UTC

RBB Bancorp Reports Third Quarter 2025 Earnings and Declares Quarterly Cash Dividend of $0.16 Per Common Share

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October 1, 2025 · 6:53 PM UTC

RBB Bancorp to Report Third Quarter 2025 Financial Results

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