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RBB Bancorp operates as the bank holding company for Royal Business Bank that provides business-banking and consumer products and services to Asian-centric communities in the United States. The company offers deposit products, including checking, savings, money market, and time deposits; retail deposits; brokered deposits, collateralized deposits, and deposits acquired through internet listing services; and certificates of deposit. It also provides lending products, such as single-family residential, commercial real estate, construction and land development, commercial and industrial, and small business administration loans. In addition, the company offers remote deposit, E-banking, mobile banking, and treasury management services. It operates branches in Los Angeles County, California; Orange County, California; Ventura County, California; Honolulu, Hawaii. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $129M | - | $32M | $43M | 6.1% | 12.6% | 19.8% |
| 2024 | $115M | - | $27M | $58M | 5.3% | -14.6% | -37.2% |
| 2023 | $134M | - | $42M | $51M | 8.3% | -16.1% | -34.0% |
| 2022 | $160M | - | $64M | $92M | 13.3% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 160.05 | 134.30 | 114.70 | 129.16 |
| Pretax Income | 91.34 | 60.25 | 35.68 | 42.13 |
| Tax Provision | 27.02 | 17.78 | 9.01 | 10.19 |
| Net Income | 64.33 | 42.47 | 26.66 | 31.95 |
| Net Income Common Stockholders | 64.33 | 42.47 | 26.66 | 31.95 |
| Interest Expense | 31.42 | 101.86 | 117.30 | 108.84 |
| Interest Income | 180.03 | 221.15 | 216.66 | 221.13 |
| Selling General And Administration | 40 | 42.09 | 43.56 | 46.84 |
| Normalized Income | 63.79 | 42.37 | 25.91 | 31.95 |
| Basic EPS | 3.37 | 2.24 | 1.47 | 0 |
| Diluted EPS | 3.33 | 2.24 | 1.47 | 0 |
| Tax Effect Of Unusual Items | 0.22 | 0.04 | 0.26 | 0 |
| Tax Rate For Calcs | 0.30 | 0.29 | 0.25 | 0.24 |
| Total Unusual Items | 0.76 | 0.13 | 1.02 | 0 |
| Total Unusual Items Excluding Goodwill | 0.76 | 0.13 | 1.02 | 0 |
| Net Income From Continuing Operation Net Minority Interest | 64.33 | 42.47 | 26.66 | 31.95 |
| Reconciled Depreciation | 11.02 | 9.63 | 9.25 | 8.80 |
| Net Interest Income | 148.62 | 119.29 | 99.36 | 112.28 |
| Net Income From Continuing And Discontinued Operation | 64.33 | 42.47 | 26.66 | 31.95 |
| Diluted Average Shares | 19.33 | 18.99 | 18.18 | 0 |
| Basic Average Shares | 19.10 | 18.97 | 18.12 | 0 |
| Diluted NI Availto Com Stockholders | 64.33 | 42.47 | 26.66 | 31.95 |
| Otherunder Preferred Stock Dividend | 0.03 | 0 | 0 | 0 |
| Net Income Including Noncontrolling Interests | 64.33 | 42.47 | 26.66 | 31.95 |
| Net Income Continuous Operations | 64.33 | 42.47 | 26.66 | 31.95 |
| Special Income Charges | 0.76 | 0.03 | 0 | 0 |
| Other Special Charges | -0.76 | -0.03 | 0 | 0 |
| Restructuring And Mergern Acquisition | 0.06 | 0 | 0 | 0 |
| Gain On Sale Of Security | 0 | 0 | 0 | 0 |
| Depreciation Amortization Depletion Income Statement | 0 | 0.92 | 0.78 | 0.67 |
| Depreciation And Amortization In Income Statement | 0 | 0.92 | 0.78 | 0.67 |
| Amortization | 0 | 0.92 | 0.78 | 0.67 |
| Amortization Of Intangibles Income Statement | 0 | 0.92 | 0.78 | 0.67 |
| Selling And Marketing Expense | 1.58 | 1.13 | 0.86 | 0.86 |
| General And Administrative Expense | 38.42 | 40.96 | 42.69 | 45.98 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 2.94 | 3.17 | 3.30 | 2.92 |
| Salaries And Wages | 35.49 | 37.80 | 39.40 | 43.06 |
| Operating Revenue | 160.05 | 134.30 | 114.70 | 129.16 |
| Occupancy And Equipment | 9.09 | 9.63 | 9.80 | 9.64 |
| Professional Expense And Contract Services Expense | 5.38 | 8.20 | 4.45 | 7.47 |
| Other Non Interest Expense | 10.05 | 9.85 | 10.57 | 12.03 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| RBB Bancorpthis co. | RBB | $408M | 10.11 | 0.78 | 6.1% | - |
| Bankwell Financial Group, Inc. | BWFG | $419M | 10.53 | 1.31 | 11.7% | - |
| Bank7 Corp. | BSVN | $414M | 9.31 | 1.59 | 17.2% | - |
| Bank of Marin Bancorp | BMRC | $413M | - | 1.03 | -9.0% | - |
| Citizens & Northern Corporation | CZNC | $412M | 15.75 | 1.20 |
| 6.9% |
| - |
| West Bancorporation, Inc. | WTBA | $409M | 11.60 | 1.51 | 12.2% | - |
| GBank Financial Holdings Inc. | GBFH | $407M | 19.55 | 2.44 | 12.6% | - |
| Chaince Digital Holdings Inc. | CD | $406M | - | 8.46 | -11.6% | -100.98 |
| Greene County Bancorp, Inc. | GCBC | $402M | 10.31 | 1.50 | 13.0% | - |
| Peer Median | - | 11.06 | 1.51 | 12.0% | -100.98 | |