Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
RBB
STRONG BUYFLAGRBB Bancorp · Financial Services · United States · $446M · Avg Vol: $7M/d
RBB Bancorp is a small US bank serving Chinese-American communities, and it has a specific nameable issue: it disclosed material weaknesses in internal controls and delayed filings connected to loan review deficiencies, alongside elevated non-performing assets. Quality is weak (Q56). Those control findings are directly relevant and recent, so this withholds any screen-pass.
COMPANY DESCRIPTION
RBB Bancorp is a bank holding company primarily serving Chinese-American communities in California, Nevada, and Hawaii, offering a full range of commercial and consumer banking services. The company specializes in real estate lending and caters to specific cultural and business needs within its niche market. Its strong community ties and specialized market focus provide a distinct competitive advantage in reaching and serving an underserved demographic.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 160.0M | 134.3M | 114.7M | 129.2M | -6.9% | 126.8M | 137.1M | 145.3M | 6.1% |
| EPS | 3.37 | 2.24 | 1.47 | 1.83 | -18.4% | 2.33 | 2.39 | 2.51 | 17.1% |
| Shares | 19.0M | 18.6M | 17.7M | 17.1M | -10.1% | 16.9M | — | — | — |
| Debt | 434.8M | 315.3M | 364.4M | 290.1M | -12.6% | 289.8M | — | — | — |
| Equity | 484.5M | 511.2M | 507.8M | 523.3M | 2.6% | — | — | — | — |
| Op CF | 93.8M | 51.3M | 58.5M | 43.4M | -22.7% | 55.0M | — | — | — |
| Inv CF | -260.2M | 243.3M | -160.4M | -260.2M | — | — | — | — | — |
| Fin CF | -444.5M | 53.2M | -71.7M | 171.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RBB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| RBB | RBB Bancorp(you) | $446M | 90 | STRONG BUY |
| NEWT | NewtekOne, Inc. | $417M | 90 | STRONG BUY |
| WTBA | West Bancorporation, Inc. | $464M | 85 | STRONG BUY |
| CZFS | Citizens Financial Services, Inc. | $360M | 91 | STRONG BUY |
| FNLC | The First Bancorp, Inc. | $394M | 93 | STRONG BUY |
| PKBK | Parke Bancorp, Inc. | $394M | 93 | STRONG BUY |
| FMAO | Farmers & Merchants Bancorp, Inc. | $426M | 85 | STRONG BUY |
| COFS | ChoiceOne Financial Services, Inc. | $489M | 85 | STRONG BUY |
| TSBK | Timberland Bancorp, Inc. | $343M | 87 | STRONG BUY |
| FDBC | Fidelity D & D Bancorp, Inc. | $299M | 88 | STRONG BUY |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%