RBB Bancorp (RBB)

From the record

RBB Bancorp's filings since 2017 show 10 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2023-04-07); an auditor change (8-K item 4.01, 3 times, the latest 2022-09-26); a late-report notice (Form NT 10-K or NT 10-Q, 5 times, the latest 2023-11-13) (its current reports).

From the record

RBB Bancorp's 10 filed years say what it did: revenue went from $68 million in fiscal 2016 to $221 million in fiscal 2025, up 14% a year; it rose in 7 of 9 years; the deepest fall was 2% from fiscal 2023 to fiscal 2024; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, RBB Bancorp's diluted share count shrank about 3.3% a year, and dividends and buybacks returned about 50% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 6 sales and 0 purchases of their own stock on the open market in the year to 2026-10-29 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, RBB Bancorp earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 3.8% over the year (the filed statements).

From the record

RBB Bancorp's standing among 155 graded names in its industry family: revenue of $221 million in fiscal 2025 ranks in the bottom 40% by size; a net margin of 14.4% ranks in the bottom 19%; revenue growth of 6.9% a year over the last 3 filed years ranks in the bottom 11% (its annual reports).

From the record

RBB Bancorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Lee, Johnny C (President/CEO, as filed), filing under that title since 2025-03-24, 1.6 years (bottom 12% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 4.4 years (bottom 9%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (bottom 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

RBB Bancorp's room to grow, from the newest filed statements (fiscal 2025): cash of $212 million against debt of $120 million leaves 2.2% of its assets as net cash, bottom 40% of its family; cash from operations less capital spending is 19.3% of revenue (bottom 30%) (its annual report).

From the record

RBB Bancorp's growth drivers, from the filed years to fiscal 2025: revenue grew 6.9% a year over the last three filed years against 14% over all 10, slowing (bottom 5% of its family); the newest year grew 2.1% (bottom 33%); capital spending grew -27.2% a year (bottom 12%) (its annual reports). RBB Bancorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

RBB Bancorp's newest year against its own record: revenue of $221 million in fiscal 2025 came in 6.7% below the $237 million its prior three years' pace pointed to (top 21% of its family); net income of $32 million against a prior three-year average of $44 million (bottom 9%); a net margin of 14.4% against 22.3% before (bottom 18%) (its annual reports).