Rbb Bancorp - Understand $rbb stock

$RBB Market Cap: $425.7 Million

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Financial Snapshot

Revenue

$5.406M

TTM

Gross Margin

Net Earnings

$34.35M

TTM

Current Assets

Current Liabilities

$54.03M

Q3 2024

Current Ratio

Total Assets

$3.990B

Q3 2024

Total Liabilities

$3.481B

Q3 2024

Book Value

$509.7M

Q3 2024

Cash

$349.4M

Q3 2024

P/E

12.39

Nov 29, 2024 EST

Free Cash Flow

$31.62M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue	$5.322M	$5.579M	$147.1M	$139.1M	$141.7M	$102.1M	$1.952M	$68.19M
YoY Change	-4.61%	-96.21%	5.71%	-1.84%	38.79%	5131.3%	-97.14%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$5.322M	$5.579M	$147.1M	$139.1M	$141.7M	$102.1M	$1.952M	$68.19M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.586M	$5.875M	$8.200M	$7.800M	$6.800M	$1.700M	$1.300M	$1.400M	$1.000M
YoY Change	-21.94%	-28.35%	5.13%	14.71%	300.0%	30.77%	-7.14%	40.0%	11.11%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Interest Expense	$101.9M	$31.42M	$22.72M	$34.37M	$44.86M	$23.65M	$13.94M	$11.71M	$6.936M
YoY Change	224.24%	38.27%	-33.89%	-23.4%	89.73%	69.64%	19.06%	68.79%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Pretax Income	$60.25M	$91.35M	$80.94M	$47.46M	$55.32M	$46.21M	$46.80M	$32.57M	$21.97M
YoY Change	-34.05%	12.86%	70.54%	-14.21%	19.73%	-1.26%	43.69%	48.25%	24.82%
Income Tax	$17.78M	$27.02M	$24.03M	$14.53M	$16.11M	$10.10M	$21.27M	$13.49M	$8.996M
% Of Pretax Income	29.51%	29.58%	29.69%	30.62%	29.12%	21.86%	45.45%	41.42%	40.95%
Net Earnings	$42.47M	$64.33M	$56.91M	$32.93M	$39.21M	$36.11M	$25.53M	$19.08M	$12.97M
YoY Change	-33.99%	13.04%	72.82%	-16.02%	8.6%	41.43%	33.8%	47.07%	24.74%
Net Earnings / Revenue	797.91%	1153.02%	38.69%	23.67%	27.67%	35.36%	1307.79%	27.98%
Basic Earnings Per Share	$2.24	$3.37	$2.92	$1.66	$1.96	$2.11	$1.81	$1.49	$1.02
Diluted Earnings Per Share	$2.24	$3.33	$2.86	$1.65	$1.92	$2.01	$1.68	$1.39	$0.96

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$55.49M	$52.46M	$49.70M	$27.10M	$16.80M	$17.30M	$6.600M	$6.600M	$6.900M
YoY Change	5.78%	5.55%	83.39%	61.31%	-2.89%	162.12%	0.0%	-4.35%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$15.77M	$16.98M	$4.900M	$2.500M	$2.300M	$4.600M	$6.100M	$11.10M	$7.400M
YoY Change	-7.14%	246.47%	96.0%	8.7%	-50.0%	-24.59%	-45.05%	50.0%
Total Long-Term Assets
YoY Change
Total Assets	$4.026B	$3.919B	$4.228B	$3.350B	$2.789B	$2.974B	$1.691B	$1.396B	$1.023B
YoY Change
Accounts Payable	$24.73M	$20.83M	$14.00M	$16.40M	$17.40M	$21.90M	$10.40M	$7.100M	$4.500M
YoY Change	18.74%	48.76%	-14.63%	-5.75%	-20.55%	110.58%	46.48%	57.78%
Accrued Expenses	$31.19M	$26.52M	$23.30M
YoY Change	17.6%	13.83%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$55.92M	$47.35M	$37.30M	$16.40M	$17.40M	$21.90M	$10.40M	$7.900M	$5.700M
YoY Change	18.1%	26.94%	127.44%	-5.75%	-20.55%	110.58%	31.65%	38.6%
Long-Term Debt	$134.1M	$188.3M	$187.5M	$118.7M	$113.7M	$113.2M	$53.00M	$52.70M	$0.00
YoY Change	-28.79%	0.43%	57.96%	4.4%	0.44%	113.58%	0.57%
Other Long-Term Liabilities	$640.0K	$1.157M	$1.200M	$1.400M	$800.0K	$700.0K	$300.0K	$600.0K	$300.0K
YoY Change	-44.68%	-3.58%	-14.29%	75.0%	14.29%	133.33%	-50.0%	100.0%
Total Long-Term Liabilities	$134.1M	$189.5M	$188.7M	$120.1M	$114.5M	$113.9M	$53.30M	$53.30M	$300.0K
YoY Change	-29.23%	0.4%	57.12%	4.89%	0.53%	113.7%	0.0%	17666.67%
Total Liabilities	$3.515B	$3.435B	$3.762B	$2.922B	$2.381B	$2.600B	$1.426B	$1.214B	$859.4M
YoY Change	2.34%	-8.69%	28.75%	22.71%	-8.41%	82.31%	17.45%	41.26%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Basic Shares Outstanding	18.97M	19.10M	19.42M	19.76M	20.02M	17.15M	14.08M	12.80M	12.76M
Diluted Shares Outstanding	18.99M	19.33M	19.83M	19.92M	20.39M	17.97M	15.24M	13.70M	13.55M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $425.7 Million

About RBB Bancorp

RBB Bancorp is a bank holding company, which engages in the provision of commercial banking services through its subsidiaries. The company is headquartered in Los Angeles, California and currently employs 376 full-time employees. The company went IPO on 2017-07-26. The firm's principal business is to serve as the holding company for its wholly owned banking subsidiaries, Royal Business Bank (the Bank) and RBB Asset Management Company (RAM). The Bank provides business-banking products and services predominantly to the Asian-American communities. The products and services include commercial and investor real estate loans, business loans and lines of credit, Small Business Administration (SBA) 7A and 504 loans, mortgage loans, trade finance and a full range of depository accounts, including specialized services, such as remote deposit, E-banking, and mobile banking. The company operates 24 branches across two separate regions: the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; and Honolulu, Hawaii; and the Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois and Edison, New Jersey.

Industry: State Commercial Banks Peers: BAR HARBOR BANKSHARES Carter Bankshares, Inc. FINANCIAL INSTITUTIONS INC FIRST OF LONG ISLAND CORP INDEPENDENT BANK CORP /MI/ PNC FINANCIAL SERVICES GROUP, INC. WILSON BANK HOLDING CO