RBB Bancorp is a profitable small regional bank with a 4-of-4 earnings beat streak averaging 26% surprise, 34% margins and an attractive 11.1x forward P/E, but the price is 4.9% above the analyst target.
Thesis pillars
- Modest Growth And No Moat→Stable
- Strong Earnings Beat Streak↓Deteriorating
- Attractive Valuation Strong Margins→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 9, 2026
RBB Bancorp (RBB) Stock Analysis
Range Bound setup · Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $26.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
RBB Bancorp is the holding company for Royal Business Bank, an Asian-centric community bank operating 24 offices across California, Nevada, New York, Illinois, New Jersey, and Hawaii, with $4.2 billion in total assets, $3.3 billion in gross loans, and $3.4 billion in deposits as... Read more
Hold if already holding. Not a fresh buy at $26.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: RSI 54 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.50, earnings proximity 88d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About RBB Bancorp
About RBB Bancorp
RBB Bancorp, the holding company for Royal Business Bank, held $4.2 billion in total consolidated assets, $3.3 billion in gross loans, and $3.4 billion in deposits as of December 31, 2025, operating 24 banking offices across California, Nevada, New York, Illinois, New Jersey, and Hawaii predominantly serving Asian-centric business communities. Single-family residential mortgage loans made up 50.0% of the total loan portfolio, up from 48.9% a year earlier, with commercial real estate loans a further 39.3%.
RBB earns revenue primarily from interest on loans and, to a lesser extent, investment securities, supplemented by fee income from lending and deposit services, loan servicing, gains on loan sales, and wealth management. The bank grew through six whole-bank acquisitions between 2011 and 2018 plus a 2022 branch acquisition in Hawaii, and operates as a minority depository institution, a Federal Deposit Insurance Corporation designation requiring at least 51% ownership by minority individuals, which the bank says has been historically beneficial for technical assistance and program support. Beyond SFR and CRE lending, RBB originates construction and land development loans (4.7% of the portfolio), commercial and industrial loans (4.2%), and SBA 7(a) and 504 loans (1.7%) as a designated SBA Preferred Lender. Deposits remain concentrated in large relationships typical of a business-focused bank: 80.6% of relationships were $250,000 or below, or qualified as stable under the bank's own criteria, as of December 31, 2025.
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RBB's loan book is concentrated in two categories that together make up nearly 90% of total loans: single-family residential mortgages at 50.0% and commercial real estate at 39.3% as of December 31, 2025, with the multi-family residential subset of CRE growing to $745.3 million from $605.5 million a year earlier. That mix ties RBB's credit performance closely to California, New York, and Hawaii housing and commercial-property values rather than to a diversified small-business loan book, even as nonaccrual balances in both categories declined year over year — SFR nonaccruals fell to $2.1 million from $11.5 million, and CRE nonaccruals fell to $8.2 million from $17.1 million.
See also: Financial Services · Banks - Regional
From RBB Bancorp's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-10-29Recent Developments — RBB Bancorp
Latest news
- NEWS RBB|RBB Bancorp|Price:26.489|Chg%:+0.129 - TradingKey — TradingKey neutral
- NEWS Form 4 RBB Bancorp For: 22 July By Investing.com - Investing.com Nigeria — Investing.com Nigeria neutral
- NEWS Are You Looking for a Top Momentum Pick? Why RBB (RBB) is a Great Choice - Yahoo Finance — Yahoo Finance positive
- NEWS RBB Bancorp (RBB) Q2 2026 Earnings Call Highlights: Strong Net I - GuruFocus — GuruFocus positive
- NEWS Wall Street's Insights Into Key Metrics Ahead of RBB (RBB) Q2 Earnings - Yahoo Finance — Yahoo Finance neutral
Generated 2026-10-29T11:20:25Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
10 dimensions · all in-band
Price Targets
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Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $26.10, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: RSI 54 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Analyst target $25.14 reached (−3.7%), stop $24.90 (−4.8%), A.R:R -0.7:1. Score 6.3/10, moderate confidence.
Analyst target $25.14 reached (−3.7% from $26.10); no take-profit level is published. Analyst target $25.14 reached (−3.7%), stop $24.90 (−4.8%), A.R:R -0.7:1. Stop-loss: $24.90.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
RBB Bancorp trades at a P/E of 10.1 (forward 11.0). TrendMatrix value score: 8.0/10. Verdict: Hold.
9 analysts cover RBB with a consensus score of 3.6/5. Average price target: $29.
What does RBB Bancorp do?RBB Bancorp is the holding company for Royal Business Bank, an Asian-centric community bank operating 24 offices across...
RBB Bancorp is the holding company for Royal Business Bank, an Asian-centric community bank operating 24 offices across California, Nevada, New York, Illinois, New Jersey, and Hawaii, with $4.2 billion in total assets, $3.3 billion in gross loans, and $3.4 billion in deposits as of December 31, 2025. Single-family residential mortgages made up 50.0% of the loan portfolio and commercial real estate loans 39.3%, with revenue driven primarily by interest income on loans.