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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1735
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$321M
David R. Morris
RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American and other Asian-American communities. Its deposit products include checking, savings, and money market accounts. As of December 31, 2021, it operated 23 branches in the Western region with branches in Los Angeles County, California; Orange County,. Ventura County,. Clark County, Nevada; Honolulu, Hawaii, as well as Eastern region.
Headcount
360
HQ Base
Pending Verification
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = RBB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$RBB RBB Bancorp | 52 | 32 | 60 | 71 | 13.2x | 12.8x | 5.6% | 0.7% | 0.0% | 744.6% | 549.8% | -16.0% | 3.4% | 23.0x | $321M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
RBB Bancorp (RBB) receives a "Hold" rating with a composite score of 51.7/100. It ranks #1735 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for RBB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 53 | -21DRAG |
| MOMENTUM | 71 | 79 | -8DRAG |
| VALUATION | 60 | 82 | -22DRAG |
| INVESTMENT | 30 | 40 | -10DRAG |
| STABILITY | 52 | 53 | -1NEUTRAL |
| SHORT INT | 66 | 80 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 11.0% vs WACC 11.9% (spread -0.9%)
GM 0% vs sector 78%, OM 745% vs sector 18%
Capital turnover 0.01x
Rev growth -16%, 9yr history
Interest coverage 0.5x, Net debt/EBITDA 7.2x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate RBB Bancorp (RBB) as a Hold with a composite score of 51.7/100 at a current price of $21.95. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
RBB Bancorp holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 51.7/100 places it at rank #1735 in our full universe.
The near-term outlook is constructive, with revenue growing at -16% and momentum in the 71th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Low
Standard
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
RBB Bancorp represents a hold based on multi-factor quantitative performance.
Our model assigns RBB Bancorp a Hold rating, with a composite score of 51.7/100 and 3 out of 5 stars. Ranked #1735 of 7,333 stocks, RBB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
RBB's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 5.6% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 549.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
RBB's value score of 60/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 13.16x, an EV/EBITDA of 12.80x, a P/B ratio of 0.74x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
RBB Bancorp's investment score of 30/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -16.0% vs. a sector average of 10.7% and a return on assets of 0.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
RBB shows strong momentum characteristics with a score of 71/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at -16.0% year-over-year, while a beta of 0.72 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 52/100, RBB exhibits average financial resilience. Key stability metrics include a beta of 0.72 and a debt-to-equity ratio of 23.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
RBB carries a short interest score of 66/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 23.00x), small-cap liquidity risk. At $321M market cap (small-cap), RBB Bancorp offers reasonable institutional liquidity.
RBB pays a solid dividend yield of 3.4%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
RBB Bancorp is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1735 of 7,333 overall (76th percentile). Key comparisons include ROE of 5.6% trailing the 9.0% sector median and operating margins of 744.6% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While RBB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (71) vs Investment (30) — closing this gap could shift the rating.
EV/EBITDA 65% ABOVE SECTOR MEDIAN
ROE 38% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
NEW YORK, February 12, 2026--The RBB Fund Complex ("RBB") proudly congratulates F/m Investments on the historic launch and trade of a multi-share class structure with both a mutual fund share class and an exchange-traded fund ("ETF") share class, the first under the modern SEC exemptive order. This achievement is a significant milestone for both F/m and the broader financial industry, further solidifying the firm’s position as a leader in financial services innovation.
WASHINGTON, February 12, 2026--F/m Investments ("F/m"), an $18 billion fixed income investment firm, today announced that its flagship TBIL U.S. Treasury 3-Month Bill strategy is now available in both ETF and mutual fund share classes within a single fund. Financial advisors and investors can access the same portfolio, the same performance history, and the same management team through whichever vehicle fits their needs without compromise.
Several regional banks have announced substantial new share buyback authorizations, signaling industry-wide confidence in their capital strength and financial health.
RBB Bancorp, the parent company of Royal Business Bank, announced a quarterly cash dividend of $0.16 per common share, payable on May 12, 2025 to shareholders of record as of April 30, 2025.