RBB Bancorp cash flow to debt ratio of 13.78% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

RBB Bancorp's free cash flow has decreased 26.20% from $57.71M last year to $42.59M, signaling decreasing performance

RBB Bancorp's debt to equity ratio is 0.60, which means that the company's assets are healthy financed, signaling financial stability.

RBB Bancorp's debt has decreased relative to shareholder equity from 0.72 last year to 0.60 today, signaling strengthened financials

RBB Bancorp has a net cash position, so leverage is healthy.

RBB Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

RBB Bancorp's profit margin has increased (50.21%) in the last year from 11.49% to 17.26%, signaling increasing performance

RBB Bancorp's short-term liabilities of $3.35B exceed its short-term assets of $434.29M, signaling financial risk

RBB Bancorp's return on assets of 0.98% is lower than the 5.00% threshold, indicating inefficient asset utilization

RBB Bancorp's return on equity of 7.94%, is lower than 15.00%, indicating bad performance

RBB Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

RBB Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

RBB Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

RBB Bancorp has a free cash flow yield of 9.50%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

RBB Bancorp's yearly earnings has increased 19.81% since last year from $26.66M to $31.95M, signaling increasing performance

RBB Bancorp's yearly revenue has increased 2.59% since last year from $232.00M to $238.00M, signaling increasing performance

ROIC 0.98% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

RBB Bancorp's 3-year revenue CAGR of 7.52% is positive, indicating growing revenue over the past 3 years

RBB Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

RBB Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

RBB Bancorp has insufficient data to evaluate this check.

RBB Bancorp has an earnings yield of 9.27%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

RBB Bancorp is overvalued relative to its fair value price of 3.15 based on EBITDA multiple model

RBB Bancorp has an EV/EBITDA ratio of 6.75x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

RBB Bancorp is undervalued relative to its fair value price of 61.18 based on Earnings Fair Value model

RBB Bancorp has a PEG-ratio over 1 which is considered overvalued

RBB Bancorp has a price-to-book ratio of 0.84x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

RBB Bancorp has a price-to-sales ratio of 1.86x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue