RBB Financials RBB Bancorp

11 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Aug 9, 2026, 10:15 UTC Overview →

Growth & profitability

Revenue has grown 2.9% per year over the past 5 years.
Net income has grown slower than revenue (-13.4% vs 2.9% per year).
Free cash flow has declined 18.8% per year over the past 5 years.

Financial health

The company holds more cash ($212M) than total debt ($120M).
Total debt has grown in line with revenue (2.8% vs 2.9% per year).

Shareholder returns

Dividends have been paid for 11 consecutive years, consuming 35.3% of earnings and 26.4% of free cash flow.
The dividend has grown 11.4% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$5M	$32M	0.0%	0.0%	6.1%	0.8%	$43M	$120M	$212M
2024	$5M	$27M	0.0%	0.0%	5.3%	0.7%	$58M	$120M	$258M
2023	$5M	$42M	0.0%	0.0%	8.3%	1.1%	$51M	$119M	$431M
2022	$6M	$64M	0.0%	0.0%	13.3%	1.6%	$92M	$174M	$84M
2021	$7M	$57M	0.0%	0.0%	12.2%	1.3%	$200M	$173M	$694M
2020	$4M	—	0.0%	0.0%	0.0%	0.0%	$120M	$104M	$195M
2019	$4M	$39M	0.0%	0.0%	9.6%	1.4%	$475M	$104M	$182M
2018	$3M	$36M	0.0%	0.0%	9.6%	1.2%	-$87M	$104M	—
2017	$2M	$26M	0.0%	0.0%	9.6%	1.5%	$28M	$50M	—
2016	—	$19M	—	—	10.5%	1.4%	$56M	$49M	—
2015	—	$13M	—	—	7.9%	—	—	—	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$1M	$10M	0.0%	0.0%	1.9%	0.2%	—	$120M	$283M
Mar '26	$2M	$11M	0.0%	0.0%	2.1%	0.3%	—	$120M	$197M
Dec '25	$1M	$10M	0.0%	0.0%	1.9%	0.2%	$12M	$120M	$212M
Sep '25	$1M	$10M	0.0%	0.0%	2.0%	0.2%	$2M	$120M	$235M
Jun '25	$1M	$9M	0.0%	0.0%	1.8%	0.2%	$22M	$120M	$192M
Mar '25	$1M	$2M	0.0%	0.0%	0.4%	0.1%	$8M	$120M	$239M
Dec '24	$1M	$4M	0.0%	0.0%	0.9%	0.1%	$17M	$120M	$258M
Sep '24	$1M	$7M	0.0%	0.0%	1.4%	0.2%	$24M	$119M	$349M
Jun '24	$2M	$7M	0.0%	0.0%	1.4%	0.2%	$12M	$119M	$253M
Mar '24	$1M	$8M	0.0%	0.0%	1.6%	0.2%	$5M	$119M	—
Dec '23	$1M	$12M	0.0%	0.0%	2.4%	0.3%	-$9M	$119M	$431M
Sep '23	$1M	$8M	0.0%	0.0%	1.7%	0.2%	$25M	$174M	—
Jun '23	$1M	$11M	0.0%	0.0%	2.2%	0.3%	$18M	$174M	—
Mar '23	$1M	$11M	0.0%	0.0%	2.2%	0.3%	$16M	$174M	—
Dec '22	$1M	$18M	0.0%	0.0%	3.6%	0.4%	$22M	$174M	$84M
Sep '22	$1M	$17M	0.0%	0.0%	3.5%	0.4%	$26M	$173M	$174M
Jun '22	$2M	$15M	0.0%	0.0%	3.4%	0.4%	$12M	$173M	$325M
Mar '22	$1M	$15M	0.0%	0.0%	3.2%	0.4%	$32M	$173M	$350M
Dec '21	$1M	$16M	0.0%	0.0%	3.4%	0.4%	$32M	$173M	$694M
Sep '21	$3M	$15M	0.0%	0.0%	3.4%	0.4%	$37M	$173M	$377M

Valuation over time

How the market has priced RBB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 4.1× (Mar '23) to 13.9× (Nov '26).
The price-to-sales ratio has risen from 46.9× (Mar '23) to 85.9× (Nov '26).
The dividend yield has fallen from 4.1% (Mar '23) to 2.5% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is RBB growing its revenue and profit?

Over the past 5 years, RBB Bancorp's revenue has grown 2.9% per year, and net income declined 13.4% per year. These are computed facts, not advice.

How much debt does RBB have?

As of FY2025, RBB Bancorp reported $120M of total debt against $212M of cash.

What is RBB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 618.3%.

What is RBB's P/E ratio?

RBB Bancorp's P/E (TTM) is 10.63 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the RBB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 13.9× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.