NASDAQ : RBB
RBB Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 25.55 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 429.93M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 203.25M | 193.85M | 184.57M | 194.26M | 171.10M | 141.57M |
| Interest Income on Investments | 27.21M | 27.28M | 32.09M | 26.88M | 9.87M | 5.49M |
| Total Interest Income | 230.46M | 221.13M | 216.66M | 221.15M | 180.97M | 147.06M |
| Interest Paid on Deposits | 95.89M | 97.10M | 108.38M | 89.04M | 18.90M | 11.96M |
| Interest Paid on Borrowings | 12.71M | 11.74M | 8.92M | 12.82M | 12.52M | 10.76M |
| Total Interest Expense | 108.60M | 108.84M | 117.30M | 101.86M | 31.42M | 22.72M |
| Net Interest Income | 121.86M | 112.28M | 99.36M | 119.29M | 149.55M | 124.34M |
| Gain (Loss) on Sale of Assets | 757.00K | |||||
| Other Non-Interest Income | 7.48M | 10.52M | 12.73M | 14.51M | 8.60M | 8.75M |
| Total Non-Interest Income | 9.98M | 11.67M | 15.34M | 15.02M | 11.25M | 18.75M |
| Revenues Before Loan Losses | 131.84M | 123.95M | 114.70M | 134.30M | 160.81M | 143.09M |
| Provision for Loan Losses | 900.00K | 10.36M | 9.86M | 3.36M | 4.93M | 3.96M |
| Revenue | 130.94M | 113.60M | 104.84M | 130.94M | 155.87M | 139.13M |
| Salaries and Employee Benefits | 42.76M | 41.31M | 38.03M | 37.05M | 34.64M | 32.48M |
| Occupancy Expenses | 4.18M | 3.84M | 4.00M | 3.93M | 3.69M | 3.39M |
| Federal Deposit Insurance | 2.99M | 2.92M | 3.30M | 3.17M | 1.85M | 1.56M |
| Selling, General & Administrative | 21.33M | 23.28M | 19.79M | 22.62M | 19.71M | 16.99M |
| Other Non-Interest Expense | 4.33M | 4.10M | 4.04M | 3.94M | 4.64M | 4.19M |
| Total Non-Interest Expense | 75.59M | 75.46M | 69.16M | 70.70M | 64.53M | 58.61M |
| EBT Excluding Unusual Items | 55.35M | 38.13M | 35.68M | 60.25M | 91.34M | 80.52M |
| Asset Writedown | 417.00K | |||||
| Other Unusual Items | 4.00M | 4.00M | ||||
| Pretax Income | 59.35M | 42.13M | 35.68M | 60.25M | 91.34M | 80.94M |
| Income Tax Expense | 15.09M | 10.19M | 9.01M | 17.78M | 27.02M | 24.03M |
| Net Income | 44.25M | 31.95M | 26.66M | 42.47M | 64.33M | 56.91M |
| Preferred Dividends & Other Adjustments | 34.00K | 192.00K | ||||
| Net Income to Common | 44.25M | 31.95M | 26.66M | 42.47M | 64.29M | 56.71M |
| Basic Shares Outstanding | 17.01M | 17.44M | 18.12M | 18.97M | 19.10M | 19.42M |
| Diluted Shares Outstanding | 17.12M | 17.50M | 18.18M | 18.99M | 19.33M | 19.83M |
| EPS (Basic) | 2.60 | 1.83 | 1.47 | 2.24 | 3.37 | 2.92 |
| EPS (Diluted) | 2.58 | 1.83 | 1.47 | 2.24 | 3.33 | 2.86 |
| Dividend Per Share | 0.64 | 0.64 | 0.64 | 0.64 | 0.58 | 0.53 |
| Effective Tax Rate | 25.43% | 24.18% | 25.26% | 29.51% | 29.58% | 29.69% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 190.29M | 212.32M | 257.75M | 431.37M | 83.55M | 694.37M |
| Investment Securities | 386.12M | 149.65M | 206.74M | 163.88M | 130.88M | 207.18M |
| Trading Asset Securities | 11.00K | 46.00K | 18.00K | |||
| Mortgage-Backed Securities | 305.43M | 252.81M | 184.28M | 154.52M | 174.54M | |
| Total Investments | 386.12M | 455.08M | 459.55M | 348.21M | 285.42M | 381.71M |
| Gross Loans | 3.40B | 3.31B | 3.05B | 3.03B | 3.34B | 2.94B |
| Allowance for Loan Losses | -44.04M | -43.89M | -47.73M | -41.90M | -41.08M | -32.91M |
| Other Adjustments to Gross Loans | -1.24M | -4.80M | ||||
| Net Loans | 3.36B | 3.27B | 3.01B | 2.99B | 3.30B | 2.90B |
| Property, Plant & Equipment | 38.70M | 46.57M | 52.65M | 55.49M | 52.46M | 49.65M |
| Goodwill | 71.50M | 71.50M | 71.50M | 71.50M | 71.50M | 69.24M |
| Other Intangible Assets | 2.79M | 3.72M | 4.08M | |||
| Loans Held for Sale | 2.07M | 11.25M | 1.91M | 5.96M | ||
| Accrued Interest Receivable | 80.47M | 30.72M | 29.62M | 25.97M | 27.66M | 11.28M |
| Other Receivables | 12.75M | 17.48M | 10.31M | 1.24M | 477.00K | |
| Long-Term Deferred Tax Assets | 18.17M | 16.35M | 19.05M | 15.77M | 16.98M | 4.86M |
| Other Real Estate Owned & Foreclosed | 19.82M | 8.83M | 577.00K | 293.00K | ||
| Other Long-Term Assets | 63.29M | 61.97M | 60.30M | 66.83M | 66.83M | 92.84M |
| Total Assets | 4.25B | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B |
| Interest Bearing Deposits | 1.99B | 1.93B | 1.67B | 1.82B | 1.45B | 1.52B |
| Institutional Deposits | 845.27M | 892.89M | 850.29M | 811.59M | 726.23M | 578.50M |
| Non-Interest Bearing Deposits | 556.85M | 526.54M | 563.01M | 539.62M | 798.74M | 1.29B |
| Total Deposits | 3.40B | 3.35B | 3.08B | 3.17B | 2.98B | 3.39B |
| Current Portion of Long-Term Debt | 110.00M | 70.00M | ||||
| Current Portion of Leases | 5.38M | |||||
| Accrued Interest Payable | 23.72M | 7.96M | 7.95M | 11.67M | 3.71M | 1.86M |
| Long-Term Debt | 80.00M | 119.91M | 119.53M | 119.15M | 173.59M | 173.01M |
| Federal Home Loan Bank Debt, Long-Term | 180.00M | 20.00M | 200.00M | 150.00M | 150.00M | 150.00M |
| Long-Term Leases | 22.51M | 19.42M | 29.70M | 31.19M | 26.52M | 23.28M |
| Trust Preferred Securities | 15.54M | 15.38M | 15.16M | 14.94M | 14.72M | 14.50M |
| Other Long-Term Liabilities | 36.44M | 28.47M | 13.06M | 18.27M | 13.32M | |
| Total Liabilities | 3.72B | 3.68B | 3.48B | 3.51B | 3.43B | 3.76B |
| Common Stock | 248.37M | 250.69M | 259.96M | 271.93M | 276.91M | 282.33M |
| Additional Paid-In Capital | 3.20M | 3.94M | 3.65M | 3.62M | 3.36M | 4.60M |
| Retained Earnings | 303.99M | 282.02M | 264.46M | 255.15M | 225.88M | 181.33M |
| Comprehensive Income & Other | -21.40M | -13.32M | -20.26M | -19.51M | -21.66M | -1.66M |
| Total Common Equity | 534.17M | 523.34M | 507.81M | 511.19M | 484.49M | 466.61M |
| Minority Interest | 72.00K | 72.00K | 72.00K | 72.00K | 72.00K | 72.00K |
| Shareholders' Equity | 534.24M | 523.41M | 507.88M | 511.26M | 484.56M | 466.68M |
| Total Liabilities & Equity | 4.25B | 4.21B | 3.99B | 4.03B | 3.92B | 4.23B |
| Total Debt | 298.05M | 290.09M | 364.39M | 315.28M | 434.83M | 360.79M |
| Net Cash (Debt) | -107.16M | -77.16M | -106.05M | 116.74M | -350.66M | 334.18M |
| Net Cash Per Share | -6.26 | -4.41 | -5.83 | 6.15 | -18.14 | 16.85 |
| Filing Date Shares Outstanding | 16.83M | 17.07M | 17.73M | 18.62M | 18.99M | 19.45M |
| Total Common Shares Outstanding | 16.83M | 17.06M | 17.72M | 18.61M | 18.97M | 19.46M |
| Book Value Per Share | 31.74 | 30.68 | 28.66 | 27.47 | 25.55 | 23.98 |
| Tangible Book Value | 462.67M | 451.84M | 436.31M | 436.89M | 409.27M | 393.29M |
| Tangible Book Value Per Share | 27.50 | 26.49 | 24.62 | 23.48 | 21.58 | 20.21 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 31.95M | 26.66M | 42.47M | 64.33M | 56.91M | |
| Depreciation & Amortization | 8.80M | 9.25M | 9.63M | 11.02M | 13.54M | |
| Gain (Loss) on Sale of Assets | -42.00K | -1.02M | -165.00K | -757.00K | ||
| Gain (Loss) on Sale of Investments | -2.84M | -4.29M | -5.42M | -432.00K | 169.00K | |
| Total Asset Writedown | -417.00K | |||||
| Provision for Credit Losses | 10.36M | 9.86M | 3.36M | 4.93M | 3.96M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 9.88M | 27.70M | 3.69M | 21.02M | 143.37M | |
| Change in Other Net Operating Assets | -6.68M | -6.32M | -6.14M | -6.22M | -6.12M | |
| Other Operating Activities | -8.62M | -3.13M | 3.50M | 967.00K | -312.00K | |
| Operating Cash Flow | 43.39M | 58.49M | 51.29M | 93.81M | 202.18M | |
| Capital Expenditures | -798.00K | -788.00K | -652.00K | -2.06M | -1.99M | |
| Sale of Property, Plant and Equipment | 42.00K | 32.00K | 1.05M | |||
| Cash Acquisitions | 71.35M | |||||
| Investment in Securities | 22.72M | -101.77M | -53.00M | 83.41M | -161.64M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -286.45M | -61.25M | 296.69M | -411.32M | -315.55M | |
| Other Investing Activities | -3.22M | 489.00K | -479.00K | -2.61M | -25.00M | |
| Investing Cash Flow | -260.18M | -160.39M | 243.31M | -260.17M | -504.18M | |
| Long-Term Debt Issued | 170.00M | 50.00M | 80.00M | 570.00M | 118.11M | |
| Total Debt Issued | 170.00M | 50.00M | 80.00M | 570.00M | 118.11M | |
| Long-Term Debt Repaid | -240.00M | -205.00M | -500.00M | -50.00M | ||
| Total Debt Repaid | -240.00M | -205.00M | -500.00M | -50.00M | ||
| Net Debt Issued (Repaid) | -70.00M | 50.00M | -125.00M | 70.00M | 68.11M | |
| Issuance of Common Stock | 417.00K | 1.84M | 295.00K | 5.48M | 3.48M | |
| Repurchase of Common Stock | -14.25M | -20.78M | -6.80M | -19.82M | -10.54M | |
| Common Dividends Paid | -11.26M | -11.72M | -12.16M | -10.74M | -9.95M | |
| Net Increase (Decrease) in Deposit Accounts | 266.46M | -91.07M | 196.90M | -489.38M | 750.62M | |
| Financing Cash Flow | 171.36M | -71.74M | 53.22M | -444.46M | 801.72M | |
| Net Cash Flow | -45.43M | -173.63M | 347.82M | -610.82M | 499.72M | |
| Free Cash Flow | 42.59M | 57.71M | 50.64M | 91.75M | 200.19M | |
| Free Cash Flow Margin | 37.49% | 55.04% | 38.67% | 58.86% | 143.88% | |
| Free Cash Flow Per Share | 2.43 | 3.17 | 2.67 | 4.75 | 10.09 | |
| Cash Interest Paid | 108.68M | 120.92M | 93.72M | 29.73M | 22.51M | |
| Cash Income Tax Paid | 18.72M | 6.22M | 21.39M | 24.02M | 25.79M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 429.93M | 351.85M | 362.54M | 361.67M | 395.44M | 511.33M |
| Last Close Price | 25.55 | 20.09 | 19.25 | 17.34 | 18.14 | 22.26 |
| PE Ratio | 9.89 | 11.01 | 13.60 | 8.52 | 6.15 | 9.02 |
| PS Ratio | 3.28 | 3.10 | 3.46 | 2.76 | 2.54 | 3.67 |
| PB Ratio | 0.80 | 0.67 | 0.71 | 0.71 | 0.82 | 1.10 |
| P/FCF Ratio | 7.83 | 8.26 | 6.28 | 7.14 | 4.31 | 2.55 |
| P/OCF Ratio | 7.72 | 8.11 | 6.20 | 7.05 | 4.21 | 2.53 |
| Debt / Equity Ratio | 0.56 | 0.55 | 0.72 | 0.62 | 0.90 | 0.77 |
| Debt / FCF Ratio | 6.81 | 6.31 | 6.23 | 4.74 | 1.80 | |
| Net Debt / Equity Ratio | 0.20 | 0.15 | 0.21 | -0.23 | 0.72 | -0.72 |
| Net Debt / FCF Ratio | 1.81 | 1.84 | -2.31 | 3.82 | -1.67 | |
| Return on Equity (ROE) | 8.44% | 6.20% | 5.23% | 8.53% | 13.53% | 12.71% |
| Return on Assets (ROA) | 1.05% | 0.78% | 0.66% | 1.07% | 1.58% | 1.50% |
| Earnings Yield | 10.11% | 9.08% | 7.36% | 11.74% | 16.27% | 11.13% |
| FCF Yield | 12.76% | 12.10% | 15.92% | 14.00% | 23.20% | 39.15% |
| Dividend Yield | 2.50% | 3.10% | 3.13% | 3.29% | 2.78% | 2.02% |
| Payout Ratio | 24.77% | 35.26% | 43.95% | 28.64% | 16.69% | 17.48% |
| Buyback Yield / Dilution | 3.08% | 3.76% | 4.22% | 1.80% | 2.53% | 0.44% |
| Total Shareholder Return | 5.59% | 6.86% | 7.35% | 5.09% | 5.31% | 2.46% |