Start here if you're new
what it is
RBB is a commercial bank that lends to small businesses and property owners in Asian-American communities across 24 branches.
how it gets paid
Last year Rbb made $5M in revenue. commercial real estate loans was the main engine at $1.9M, or 38% of sales.
why growth slowed
Revenue fell 2.4% last year. The important number is $1.47. That was full-year 2024 EPS.
what just happened
RBB's last reported quarter delivered $0.59 in EPS, above the $0.49 consensus from MarketBeat.
At a glance
C++ balance sheet — some cracks in the foundation
60/100 earnings predictability — reasonably predictable
14.1x trailing p/e — the market's not buying it — or you found a deal
3.1% dividend yield — cash in your pocket every quarter
$1.47 fy2024 eps est
xvary composite: 56/100 — below average
What they do
RBB is a commercial bank that lends to small businesses and property owners in Asian-American communities across 24 branches.
RBB wins by being specific. It serves first-generation immigrants, mainly Chinese, Korean, and other Asian communities, through 24 branches that sell trust as much as loans. If your business needs a lender that understands cross-border trade with China or Taiwan, switching banks is not just paperwork. It is relationship risk.
How they make money
$5M
annual revenue · their business grew -2.4% last year
commercial real estate loans
$1.9M
secured business loans
$1.2M
single-family mortgage loans
$0.9M
trade finance services
$0.6M
deposit and service fees
$0.4M
The products that matter
lending and deposit banking
Commercial & Personal Banking
$31.7M q4 2025 revenue
This is the core business. It produced $31.7M in Q4 2025 revenue, and it still carries almost all of the investment case on its back.
core franchise
single-family residential lending
SFR Mortgage Loans
2026 growth target
Management's high single-digit loan growth target for 2026 runs through books like this. If lending does not grow, the earnings story does not grow either.
turnaround lever
fee-based side business
Asset Management
$8.3M non-interest income
Non-interest income was just $8.3M, or 6% of revenue. Useful, yes. Big enough to change the story, no.
6% of mix
Key numbers
14.1x
trailing p/e
P/E ratio → how many dollars you pay for one dollar of profit → so what: you are paying a low multiple for a bank with shrinking earnings.
$135M
long-term debt
Long-term debt → money the bank owes over many years → so what: it equals 27% of capital, which is manageable but leaves less room for mistakes.
3.1%
dividend yield
Dividend yield → your annual cash payout on the stock price → so what: you get paid to wait, but only if earnings stabilize.
$3.4B
deposits
Deposits → customer cash the bank uses to fund loans → so what: this is the raw material behind the lending business.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 2 — safer than 80% of stocks
- price stability 45 / 100
- long-term debt $135M (27% of capital)
C++ — risk rank looks solid but balance sheet grade needs watching.
Total return vs. market
Return history isn't available for RBB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
RBB's last reported quarter delivered $0.59 in EPS, above the $0.49 consensus from MarketBeat.
That beat matters because the bigger trend still looks rough. shows full-year EPS fell from $3.33 in 2022 to $1.47 in 2024.
$4M
revenue
$0.59
eps
n/a
n/a
the number that mattered
The important number is $1.47. That was full-year 2024 EPS, down 34% from 2023 and down 56% from 2022.
source: company earnings report, 2026
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What could go wrong
the #1 risk is RBB proving that one better quarter was a bounce, not a turn. This bank does not need a clever story. It needs earnings to stop sliding, loan growth to land, and non-performing loans to keep moving away from $60.4M.
med
multi-year earnings erosion
Earnings have declined 12.5% annually for years while the banking industry grew 17.4%. That gap is the whole reason the stock still looks cheap but unloved.
If that trend continues, 14.1x trailing earnings is not a bargain. It is just a shrinking denominator wearing value-stock clothing.
med
credit improvement stalls
Non-performing loans improved to $44.6M from $60.4M a year earlier. Better is better. For a $357M bank, $44.6M still has weight.
If credit metrics drift back toward $60.4M, the turnaround case gets smaller fast and the dividend looks less comforting.
low
new management still needs proof
Johnny Lee took over as CEO on Jan 1, 2025. Fresh leadership buys time. It does not buy credibility forever.
If the next few quarters do not show cleaner earnings and better loan growth, you are no longer underwriting a turnaround. You are underwriting hope.
med
skepticism is already building
Short interest rose 21% in February 2026. That is not proof the shorts are right. It is proof the market still sees a miss-or-hit setup, not a finished recovery.
If earnings disappoint again, rising short interest and a 56 / 100 composite score leave the stock with less patience underneath it.
About 40% of the stock sits in institutional hands, short interest is rising, and the operating case still depends on turning high single-digit loan growth into actual earnings growth. That is a narrow path. Your edge, if you think there is one, comes from following the bank's execution quarter by quarter.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings quality
does eps keep building from $0.59
One quarter above the $0.49 estimate got attention. You need follow-through, not a one-off beat, if the turnaround is real.
next report
q1 2026 earnings in late april
The consensus EPS estimate is $0.45. A clean beat helps credibility. A miss says the old pattern still has a vote.
loan growth
high single-digit target has to show up in the book
Management is guiding to high single-digit loan growth in 2026. With 94% of revenue tied to net interest income, growth in the loan book is growth in the story.
credit risk
keep an eye on non-performing loans
The move from $60.4M to $44.6M was real progress. If that line turns back up, the market will stop giving management the benefit of the doubt.
Analyst rankings
earnings predictability
60 / 100
in human-speak, analysts think the numbers are modelable but still messy enough that you should read the details.
risk rank
2
safer than 80% of stocks on the risk scale. For a small bank, that matters — just less than the credit line you saw at $44.6M.
price stability
45 / 100
middle-of-the-road stability. You are not buying a panic stock. You are also not buying a stock the market fully trusts.
source: institutional data
Institutional activity
institutional ownership data for RBB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$21
current price
n/a
target midpoint · n/a from current
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