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Stock Ratings / Financials / RBB / dividends
CBAN (29) CBK (67) CHMG (67) PCB (65) ⌘ Pro Terminal β†’

RBB Bancorp (RBB) Dividend Safety Gauge & 10-Year DRIP Compounder

$25.81 -1.30% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $25.70

RBB Bancorp (RBB) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- β€’ HOLD / WATCH Cap $442.4M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RBB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is RBB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, RBB Bancorp (NASDAQ: RBB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $25.81 (-1.30% 1D, market cap $442.4M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, RBB ranks #431 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does RBB compare to CBAN and CBK in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), RBB carries a Roarable C- (59/100 RQD), trailing P/E of 13.8x, gross margin of β€”, and ROIC of 6.1%. By comparison, CBAN (Colony Bankcorp Inc.) holds a E grade (29/100 RQD, P/E 65.5x, ROIC 1.8%, cap $437.6M) and CBK (Commercial Bancgroup Inc.) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 13.0%, cap $461.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while CBK leads on capital efficiency (13.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RBB?
β–Ό

Per RBB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001499422), RBB Bancorp generated $5.2M in revenue (-2.4% YoY), $31.9M in net income, and $42.6M in free cash flow against $4.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $25.70 (-0.42%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 824.3% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY β€’ 53.1% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk C
Cash (9)Whales (8)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$31 Bull$26 Base$20 Bear
πŸ“¬ FREE RBB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for RBB)Realized 20D OHLCV Swing Band: Β±4.3%
Deterministic 5-Pillar Attribution (59/100 Composite)
πŸ” WHY RBB SCORES 59/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
51
Grade C-$25.49+3.4% Next Q
Q2 (-2Q)
54
Grade C-$26.35-0.9% Next Q
Q3 (-1Q)
56
Grade C$26.10-1.1% Next Q
Current
59
Grade C-$25.81+0.2% Hist 90D Ξ±
Trajectory: C- (51) β†’ C- (59)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the RBB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 59/100 (C-) score, RBB faces multiple-compression risk if 13.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.22) or 200D SMA ($24.49) invalidates the momentum regime and cuts Target Base ($25.93) toward Bear Floor ($20.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œRBB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
4.36% Total Yield
2.56% Cash ($0.66/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
17.2% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $21,390

Est. Year-10 Shareholder Yield: $933/yr
$10.8K
Yr 1
$11.6K
Yr 2
$12.6K
Yr 3
$13.6K
Yr 4
$14.6K
Yr 5
$15.8K
Yr 6
$17.0K
Yr 7
$18.4K
Yr 8
$19.8K
Yr 9
$21.4K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RBB & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on RBB and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RBB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.92%πŸ“ HORIZONTAL RANGE
2026-11-04O $25.55H $26.15L $25.55C $25.81VOL 146.2K
RES: $26.93SUP: $25.29SMA50: $26.22SMA200: $24.49
$28.78$26.54$24.31$22.07$19.84RES $26.93SUP $25.29$25.812026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ RBB Butterfly Map β†’ + Track RBB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.4%/yr Implied 5Y Growth

vs. -2.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RBB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for RBB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RBB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBB)

Financials Rank #431 of 1097 βš”οΈ CBAN vs RBB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (RBB vs. CBAN, CBK, CHMG, PCB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, RBB Bancorp (RBB) ranks #431 by composite RQD confidence (59/100, grade C-) and #730 by equity capitalization ($442.4M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while CBK leads on capital efficiency and profitability with 13.0% ROIC and β€” gross margin. CBK currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with RBB at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RBB ACTIVE
RBB Bancorp
C- 59/100 13.8x β€” 6.1% -1.30% $442.4M Benchmark Subject
CBAN
Colony Bankcorp Inc.
E 29/100 65.5x β€” 1.8% -1.65% $437.6M /cban-vs-rbb β†’
CBK
Commercial Bancgroup Inc.
C+ 67/100 12.2x β€” 13.0% -1.87% $461.5M /cbk-vs-rbb β†’
CHMG
Chemung Financial Corp
C+ 67/100 28.0x β€” 5.9% -1.74% $421.5M /chmg-vs-rbb β†’
PCB
PCB Bancorp
C 65/100 10.9x β€” 9.6% +2.27% $420.5M /pcb-vs-rbb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001499422 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), RBB Bancorp (RBB) reported GAAP revenue of $5.2M (-2.4% vs. FY2024 revenue of $5.3M , and -2.9% cumulative change since FY2023) , GAAP net income of $31.9M, operating cash flow of $43.4M, and free cash flow of $42.6M (-26.2% YoY). On the balance sheet, RBB closed FY2025 with $4.21B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $5.2M $31.9M $43.4M $42.6M $4.21B β€”
FY2024 (FY) 2024-12-31 $5.3M $26.7M $58.5M $57.7M $3.99B β€”
FY2023 (FY) 2023-12-31 $5.3M $42.5M $51.3M $51.3M β€” β€”

3. RBB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, RBB Bancorp (NASDAQ: RBB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $25.81 (-1.30% 1D, market cap $442.4M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, RBB ranks #431 in composite RQD confidence.

How does RBB compare to CBAN and CBK in the Financials sector?

Within the Financials sector (Major Banks), RBB carries a Roarable C- (59/100 RQD), trailing P/E of 13.8x, gross margin of β€”, and ROIC of 6.1%. By comparison, CBAN (Colony Bankcorp Inc.) holds a E grade (29/100 RQD, P/E 65.5x, ROIC 1.8%, cap $437.6M) and CBK (Commercial Bancgroup Inc.) posts a C+ grade (67/100 RQD, P/E 12.2x, ROIC 13.0%, cap $461.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while CBK leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RBB?

Per RBB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001499422), RBB Bancorp generated $5.2M in revenue (-2.4% YoY), $31.9M in net income, and $42.6M in free cash flow against $4.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RBB trading relative to its 50-day, 200-day, and 52-week technical levels?

RBB last traded at $25.81 (-1.30% on volume of 131,385 shares), positioning the stock -1.56% below its 50-day simple moving average ($26.22) and +5.39% above its 200-day simple moving average ($24.49). Across its 52-week range of $18.45 to $28.24, RBB sits at the 75.2% percentile with a 14-day RSI of 51.3 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.3% ($24.70 to $26.92).

Direct Sub-Reports: RBB RQD Cockpit RBB 12M Forecast RBB Earnings & Move RBB Dividends & DRIP RBB Insiders & 13F RBB Whale Options RBB Profit Sankey RBB News & Why
ROARABLE RATING BRIEF β€’ RQD 59/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

RBB β€” RBB Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

RBB Bancorp (RBB) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $25.81 (-1.30% 1D, market capitalization $442.4M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 6.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 9.67%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

RBB Bancorp is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. The company's products, customer base, and revenue model are not described in the source data beyond this classification. Market capitalization is reported as $0.4B in the profile. No further business description is available in the source data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), RBB Bancorp (RBB) reported $5.2M in annual revenue (up from $5.3M in FY2024, -2.4% YoY) and $31.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($5.3M revenue, $42.5M net income) through FY2025, RBB scaled operating cash flow to $43.4M and free cash flow to $42.6M, backed by $4.21B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.67% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $18.45 – $28.24 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.8x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies cannot be mapped from the source data.

  • Key Question #1: Can RBB sustain or expand its β€” operating margin and 6.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $5.2M and free cash flow of $42.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RBB's 12.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RBB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for RBB Bancorp (RBB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to RBB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RBB Bull vs. Bear Conversation Board β€” What's Your Call at $25.81?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RBB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RBB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $30.40 (+19.0%)
πŸ“Œ Pinned Debate

Insider conviction scores 16 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the RQD rating.

Don't sleep on RBB's setup in Financials. Insider conviction scores 16 of 20 on SEC Form 4 and Congressional PTR cluster flow, the strongest pillar in the RQD rating.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (59/100) backs up the fundamental quality.

VolSurface_Trader πŸ‚ BULL

@FadeTheHype Shorting a 8/20 institutional whale-flow stock at $25.55 is dangerous when funds are rotating into Financials.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $20.44 (-20.0%)
Spot @ $25.55

The fundamental cash engine scores only 9 of 20, with ROIC of 6.1% and net income falling from $42.5M in FY 2023 to $26.7M in FY 2024.

I respect the product at RBB Bancorp, but the stock at $25.55 is a different story. The fundamental cash engine scores only 9 of 20, with ROIC of 6.1% and net income falling from $42.5M in FY 2023 to $26.7M in FY 2024.. FCF yield is 9.67% and RQD sits at 59/100 (C-) β€” why pay up here when you can wait for next quarter's numbers?

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