RBB Bancorp

RBB

Banks - Regional · Financial Services

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

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Winston Score History

The full picture

RBB Bancorp is a small regional bank holding company based in Los Angeles, California. It operates through its subsidiary, Royal Business Bank, which offers everyday banking services like checking accounts, savings accounts, loans, and mortgages. The bank focuses mainly on serving small and medium-sized businesses, real estate investors, and individuals in Chinese-American and other Asian-American communities across California, Nevada, New York, and Illinois.

RBB makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. With a market cap of around $400 million, it is a small community bank competing against much larger regional and national banks. Its niche focus on Asian-American business communities gives it a degree of customer loyalty that larger banks find hard to replicate. The main risk the company faces is rising credit losses if commercial real estate loans — a significant part of its portfolio — run into trouble in a slower economy.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+13.2% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

15.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$4.0B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

RBB Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+3.0%

Slow sales growth (+3.0% YoY)

Profit growth

EPS YoY

+87.7%

Earnings growing fast (+87.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

10.9x

no trend

Attractive valuation — P/E 10.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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