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Financials · RBB

RBB Bancorp (RBB) financials

For the twelve months ended Sep 30, 2026, RBB Bancorp reported $137.04M of revenue and $44.25M of net income.

Revenue, TTM
$137.04M
Revenue growth, YoY
+9.2%
Net income, TTM
$44.25M
Net income growth, YoY
+69.2%
Net margin
32.3%
EPS, diluted, TTM
$2.58
EPS growth, YoY
+73.2%
Cash
$190.29M
Total debt
$80.00M
P/E
9.96
P/S
3.22
Market cap
$440.7M
Annual revenue$129.16M
FY2016FY2025
Annual net income$31.95M
FY2016FY2025
Annual free cash flow$42.59M
FY2016FY2025

RBB revenue and earnings growth

RBB revenueQ3 2026$36.87M

Quarter YoY
+13.2%
QoQ
+11.4%
FY YoY
+12.6%
5Y CAGR
+1.7%
10Y CAGR
+11.5%

RBB revenue was $36.87M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.2% from a year earlier and up 11.4% from the prior quarter. For the full fiscal 2025 it was $129.16M, up 12.6% from fiscal 2024. Compound annual growth was +1.7% over 5 years and +11.5% over 10 years. It rose in 8 of the last 10 fiscal years.

RBB net incomeQ3 2026$12.64M

Quarter YoY
+24.5%
QoQ
+24.6%
FY YoY
+19.8%
5Y CAGR
-0.6%
10Y CAGR
+9.4%

RBB net income was $12.64M in fiscal Q3 2026 (ended Sep 30, 2026), up 24.5% from a year earlier and up 24.6% from the prior quarter. For the full fiscal 2025 it was $31.95M, up 19.8% from fiscal 2024. Compound annual growth was -0.6% over 5 years and +9.4% over 10 years. It rose in 7 of the last 10 fiscal years.

RBB EPSQ3 2026$0.74

Quarter YoY
+25.4%
QoQ
+25.4%
FY YoY
+24.5%
5Y CAGR
+2.1%
10Y CAGR
+6.7%

RBB diluted EPS was $0.74 in fiscal Q3 2026 (ended Sep 30, 2026), up 25.4% from a year earlier and up 25.4% from the prior quarter. For the full fiscal 2025 it was $1.83, up 24.5% from fiscal 2024. Compound annual growth was +2.1% over 5 years and +6.7% over 10 years.

RBB free cash flowQ4 2025$11.68M

Quarter YoY
-32.2%
QoQ
+566.5%
FY YoY
-26.2%
5Y CAGR
-18.8%
10Y CAGR
+4.1%

RBB free cash flow was $11.68M in fiscal Q4 2025 (ended Dec 31, 2025), down 32.2% from a year earlier and up 566.5% from the prior quarter. For the full fiscal 2025 it was $42.59M, down 26.2% from fiscal 2024. Compound annual growth was -18.8% over 5 years and +4.1% over 10 years. It rose in 2 of the last 6 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$129.16M$114.70M$134.30M$160.81M$143.09M$118.80M$115.18M$91.31M$73.37M$65.45M
Interest expense--$101.86M$31.42M$22.72M$34.37M$44.86M$23.64M$13.94M$11.71M
Pre-tax income$42.13M$35.68M$60.25M$91.34M$80.94M$47.46M$55.32M$46.21M$46.80M$32.57M
Income tax$10.19M$9.01M$17.78M$27.02M$24.03M$14.53M$16.11M$10.10M$21.27M$13.49M
Net income$31.95M$26.66M$42.47M$64.29M$56.71M$32.89M$39.13M$36.10M$25.53M$19.08M
EPS, basic$1.83$1.47$2.24$3.37$2.92$1.66$1.96$2.11$1.81$1.49
EPS, diluted$1.83$1.47$2.24$3.33$2.86$1.65$1.92$2.01$1.68$1.39
Diluted shares17.5M18.2M19.0M19.3M19.8M19.9M20.4M18.0M15.2M13.7M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$212.32M$257.75M$431.37M$83.55M$694.37M$194.65M$181.76M$147.69M$150.05M$118.71M
Goodwill$71.50M$71.50M$71.50M$71.50M$69.24M$69.24M$58.56M$58.38M$29.94M$29.94M
Total assets$4.21B$3.99B$4.03B$3.92B$4.23B$3.35B$2.79B$2.97B$1.69B$1.40B
Total debt$119.91M$119.53M$119.15M$173.59M$173.01M$104.39M$104.05M$103.71M$49.53M$49.38M
Total liabilities$3.68B$3.48B$3.51B$3.43B$3.76B$2.92B$2.38B$2.60B$1.43B$1.21B
Shareholders' equity$523.41M$507.88M$511.26M$484.56M$466.68M$428.49M$407.69M$374.62M$265.18M$181.59M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$43.39M$58.49M$51.29M$93.81M$202.18M$124.51M$476.47M-$84.65M$28.78M$56.22M
Capital expenditures$798.0K$788.0K$652.0K$2.06M$1.99M$4.21M$1.35M$2.49M$684.0K$210.0K
Free cash flow$42.59M$57.71M$50.64M$91.75M$200.19M$120.31M$475.12M-$87.14M$28.10M$56.01M
Investing cash flow-$260.18M-$160.39M$243.31M-$260.17M-$504.18M-$446.01M-$219.35M-$322.39M-$264.45M$7.20M
Financing cash flow$171.36M-$71.74M$53.22M-$444.46M$801.72M$334.38M-$223.04M$404.68M$267.00M-$58.60M
Dividends paid$11.26M$11.72M$12.16M$10.74M$9.95M$6.57M$8.03M$5.75M$5.12M$2.55M
Share repurchases$13.98M$20.68M$6.80M$19.82M$10.54M$7.85M$3.19M$0--
Stock-based compensation$1.74M$1.36M$750.0K$848.0K$1.09M$686.0K$689.0K$684.0K$779.0K$894.0K
Depreciation and amortization-------$1.68M$1.27M$1.36M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY12.6%-14.6%-16.5%12.4%20.4%3.1%26.1%24.5%12.1%50.7%
Net income growth, YoY19.8%-37.2%-34.0%13.4%72.4%-16.0%8.4%41.4%33.8%47.1%
EPS growth, YoY24.5%-34.4%-32.7%16.4%73.3%-14.1%-4.5%19.6%20.9%44.8%
Net margin24.7%23.2%31.6%40.0%39.6%27.7%34.0%39.5%34.8%29.2%
Free cash flow margin33.0%50.3%37.7%57.1%139.9%101.3%412.5%-95.4%38.3%85.6%
Return on equity6.1%5.3%8.3%13.3%12.2%7.7%9.6%9.6%9.6%10.5%
Return on assets0.8%0.7%1.1%1.6%1.3%1.0%1.4%1.2%1.5%1.4%
Debt to equity0.230.240.230.360.370.240.260.280.190.27

Source: XBRL data RBB Bancorp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

RBB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
RBB$137.04M+9.2%$44.25M32.3%$440.7M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

RBB FAQ

7 questions
  • What is RBB revenue?
    RBB Bancorp (RBB) reported $137.04M of revenue for the twelve months ended Sep 30, 2026. That is up 9.2% from the year before. Revenue for fiscal 2025 was $129.16M.
  • Is RBB profitable?
    Yes. RBB Bancorp earned $44.25M in net income for the twelve months ended Sep 30, 2026, a net margin of 32.3%.
  • How much cash and debt does RBB have?
    RBB Bancorp reported $190.29M in cash and cash equivalents and $80.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is RBB revenue growing?
    RBB Bancorp's revenue changed +12.6% in fiscal 2025, to $129.16M. Its compound annual growth rate was +1.7% over 5 years and +11.5% over 10 years.
  • What is RBB earnings per share?
    Diluted earnings per share were $2.58 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did RBB last report financial results?
    The latest statements here come from RBB Bancorp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this RBB financial data come from?
    Quantisnow builds these statements from the structured XBRL data RBB Bancorp files with the SEC. It is provided for information only and is not investment advice.