RBB Bancorp
RBB Bancorp Fundamental Analysis
RBB Bancorp (RBB) shows moderate financial fundamentals with a PE ratio of 9.96, profit margin of 17.05%, and ROE of 7.85%. The company generates $0.2B in annual revenue with weak year-over-year growth of 2.59%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RBB's fundamental strength across five key dimensions:
Efficiency Score
WeakRBB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentRBB trades at attractive valuation levels.
Growth Score
ModerateRBB shows steady but slowing expansion.
Financial Health Score
ModerateRBB shows balanced financial health with some risks.
Profitability Score
ModerateRBB maintains healthy but balanced margins.
Key Financial Metrics
Is RBB Expensive or Cheap?
P/E Ratio
RBB trades at 9.96 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RBB's PEG of 0.35 indicates potential undervaluation.
Price to Book
The market values RBB Bancorp at 0.77 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.95 times EBITDA. This is generally considered low.
How Well Does RBB Make Money?
Net Profit Margin
For every $100 in sales, RBB Bancorp keeps $17.05 as profit after all expenses.
Operating Margin
Core operations generate 16.22 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.85 in profit for every $100 of shareholder equity.
ROA
RBB Bancorp generates $0.98 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
RBB Bancorp produces operating cash flow of $39.39M, showing steady but balanced cash generation.
Free Cash Flow
RBB Bancorp generates strong free cash flow of $38.29M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.24 in free cash annually.
FCF Yield
RBB converts 9.34% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.35
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.77
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.70
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How RBB Stacks Against Its Sector Peers
| Metric | RBB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.96 | 18.99 | Better (Cheaper) |
| ROE | 7.85% | 821.00% | Weak |
| Net Margin | 17.05% | 1914.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 657.31 | Weak Liquidity |
| ROA | 0.98% | -25084.00% (disorted) | Weak |
RBB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews RBB Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
80.22%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
12.46%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-68.81%
Industry Style: Value, Dividend, Cyclical
Declining