ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is RBB Bancorp ?
1
High Profitability with a Net Interest Margin of 4.01%
2
The Bank has a high Capital Adequacy Ratio of 16.97% signifying high buffers against its risk based assets
3
The company has declared Negative results for the last 7 consecutive quarters
- NET PROFIT(HY) At USD 11.62 MM has Grown at -23.94%
- CASH AND EQV(HY) Lowest at USD 52.66 MM
4
With ROA of 0.30%, it has a fair valuation with a 0.59 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 -19.00%, its profits have fallen by -47.1%
5
High Institutional Holdings at 50.99%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -19.00% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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
-10.42%
0.49
31.79%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.53%
EBIT Growth (5y)
-6.33%
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
43.64%
Pledged Shares
0
Institutional Holding
50.99%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.59
EV to EBIT
20.44
EV to EBITDA
13.94
EV to Capital Employed
0.62
EV to Sales
1.57
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.03%
ROE (Latest)
4.10%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 27.33 MM
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Highest at 101.46%
OPERATING PROFIT(Q)
Highest at USD 12.93 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.86 %
PRE-TAX PROFIT(Q)
Highest at USD 12.93 MM
NET PROFIT(Q)
Highest at USD 9.33 MM
EPS(Q)
Highest at USD 0.52
-6What is not working for the Company
NET PROFIT(HY)
At USD 11.62 MM has Grown at -23.94%
CASH AND EQV(HY)
Lowest at USD 52.66 MM
Here's what is working for RBB Bancorp
NII
Highest at USD 27.33 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 12.93 MM has Grown at 87.5%
over average net sales of the previous four periods of USD 6.9 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Non Performing Loans (%)
Lowest at 1.76%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 12.93 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 23.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 12.93 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 9.33 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 9.33 MM has Grown at 78.46%
over average net sales of the previous four periods of USD 5.23 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.52
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 101.46%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for RBB Bancorp
Cash and Eqv
Lowest at USD 52.66 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 18.17%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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