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RBB Bancorp key statistics and ratios

In fiscal 2025, RBB Bancorp had return on equity of 6.2% and a net margin of 24.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin29.9%29.2%34.8%39.5%34.0%27.7%39.6%40.0%31.6%23.2%24.7%31.5%
Return on equity7.9%11.1%11.4%11.3%10.0%7.9%12.7%13.5%8.5%5.2%6.2%7.9%
Return on assets—1.4%1.7%1.5%1.4%1.1%1.5%1.6%1.1%0.7%0.8%1.0%
Effective tax rate40.9%41.4%45.4%21.9%29.1%30.6%29.7%29.6%29.5%25.3%24.2%25.1%
Dividends ÷ net income24.0%13.4%20.0%15.9%20.5%20.0%17.5%16.7%28.6%44.0%35.3%26.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

85 /100

Strong moat

How hard RBB Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 16 / 20

    Net income has been a median 1.3% of total assets over 10 years.

  • Durability 18 / 20

    Net margin has been a median 34.2%; its worst year was 18.7%.

  • Discipline 20 / 20

    The diluted share count fell 13.3% over five years; stock-based pay has been a median 0.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (90 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: RBB vs RRBIINBK vs RBBFMAO vs RBBMRBK vs RBB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from RBB Bancorp's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to RBB Bancorp.