ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is RBB Bancorp ?
1
High Profitability with a Net Interest Margin of 2.98%
2
The Bank has a high Capital Adequacy Ratio of 16.97% signifying high buffers against its risk based assets
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results in Jan 70 after 7 consecutive negative quarters
- GROSS NPA (%)(Q) Lowest at 1.35%
- NII(Q) Highest at USD 29.51 MM
- PRE-TAX PROFIT(Q) At USD 12.75 MM has Grown at 48.08%
4
With ROA of 0.67%, it has a fair valuation with a 0.68 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.03%, its profits have risen by 19.8% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 52.97%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Market Beating Performance
- The stock has generated a return of 24.03% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to RBB Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is RBB Bancorp for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
RBB Bancorp
23.97%
0.71
31.66%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.71%
EBIT Growth (5y)
-1.98%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
35.06%
Pledged Shares
0
Institutional Holding
52.97%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.68
EV to EBIT
10.86
EV to EBITDA
9.34
EV to Capital Employed
0.70
EV to Sales
1.78
PEG Ratio
0.46
Dividend Yield
NA
ROCE (Latest)
6.49%
ROE (Latest)
6.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 29.51 MM
PRE-TAX PROFIT(Q)
At USD 12.75 MM has Grown at 48.08%
NET PROFIT(Q)
Highest at USD 10.18 MM
EPS(Q)
Highest at USD 0.59
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 31.55 MM
CASH AND EQV(HY)
Lowest at USD 51.34 MM
Here's what is working for RBB Bancorp
Non Performing Loans (%)
Lowest at 1.35% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 29.51 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
At USD 12.75 MM has Grown at 48.08%
over average net sales of the previous four periods of USD 8.61 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.18 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 10.18 MM has Grown at 55.64%
over average net sales of the previous four periods of USD 6.54 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.59
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for RBB Bancorp
Operating Cash Flow
Lowest at USD 31.55 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Cash and Eqv
Lowest at USD 51.34 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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