$23.52
-2.0%RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American, and other Asian-American communities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and industrial lines of credit, term loans, mortgage warehouse lines, and international trade discounts; commercial real estate loans; residential, commercial, and land acquisition and development construction loans; small business administration loans; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services. The company primarily offers its products and services to individuals, businesses, municipalities, and other entities. As of December 31, 2021, it operated 23 branches in the Western region with branches in Los Angeles County, California; Orange County, California; Ventura County, California; Clark County, Nevada; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
RBB • NASDAQ
| RBB Bancorp Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||
31.9M | 26.7M | 42.5M | 64.3M | 56.9M | 32.9M | 39.2M | 36.1M | 25.5M | 19.1M | 13M | 10.4M | 7M | 4M | |
601K | 9.3M | 9.6M | 11M | 13.5M | 7.8M | 6.8M | 5.1M | 2.4M | 1.4M | 1M | 919K | 944K | 1.1M | |
0.0 | -1.6M | 1.3M | -1.2M | -56K | -2M | 2.4M | 261K | 5.4M | 1.3M | 1.4M | -218K | 0.0 | 0.0 | |
0.0 | 1.4M | 750K | 848K | 1.1M | 686K | 689K | 684K | 779K | 894K | 1.5M | 1.6M | 1.4M | 293.5K | |
11.8M | 29.1M | 3.2M | 25M | 136.8M | 85.9M | 428.2M | -126M | -4.5M | 34.2M | 12.9M | -44.2M | 3.6M | 643.4K | |
(18.7M) | (6.2M) | (21.4M) | (24M) | (25.8M) | (13.5M) | (14.5M) | (9.3M) | (16.9M) | (12.5M) | (7.1M) | (5.8M) | (0.0) | (0.0) | |
-5M | -6.3M | -6.1M | -6.2M | -6.1M | -767K | -775K | -797K | -824K | -560K | -579K | -608K | -210.9K | 0.0 | |
39.4M | 58.5M | 51.3M | 93.8M | 202.2M | 124.5M | 476.5M | -84.6M | 28.8M | 56.2M | 29.1M | -32.1M | 12.8M | 5.8M | |
INVESTING ACTIVITIES | ||||||||||||||
(0.0) | -788K | -652K | -2.1M | -2M | -4.2M | -1.4M | -2.5M | -684K | -210K | -468K | -417K | -203.5K | -201.6K | |
(0.0) | (0.0) | (0.0) | (71.4M) | (0.0) | (6.6M) | (0.0) | (25.1M) | (0.0) | -35.1M | (0.0) | (0.0) | (30.9M) | (0.0) | |
(0.0) | -417.9M | -694.5M | -402.9M | -604.6M | -551.4M | -200M | -76.1M | -39.5M | -12.5M | -5.5M | (0.0) | (0.0) | (0.0) | |
0.0 | 316.2M | 642.2M | 486.3M | 443M | 467.4M | 149.3M | 108.6M | 5.5M | 9.5M | 9.6M | 36.9M | 0.0 | 0.0 | |
257K | -57.8M | 296.2M | -412.9M | -340.5M | -364.4M | -167.3M | -377.5M | -229.7M | 45.5M | -109.1M | -121.5M | -47.5M | -100.2M | |
(257K) | -160.4M | (243.3M) | -260.2M | -504.2M | -446M | -219.4M | -322.4M | -264.4M | (7.2M) | -105.4M | -85.1M | -16.8M | -100.4M | |
FINANCING ACTIVITIES | ||||||||||||||
-13.8M | -20.7M | -6.8M | -19.8M | -10.5M | -7.9M | -3.2M | 0.0 | 60.2M | 0.0 | 0.0 | 1.7M | 0.0 | 53.1M | |
-70M | 50M | -125M | 70M | 68.1M | 150M | -319.5M | 224M | 25M | 49.3M | 0.0 | -7M | 7M | 0.0 | |
-11.3M | -11.7M | -12.2M | -10.7M | -9.9M | -6.6M | -8M | -5.8M | -5.1M | -2.6M | -3.1M | (0.0) | (0.0) | (0.0) | |
-14.2M | -20.7M | -6.8M | -19.8M | -10.5M | -7.9M | -3.2M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
70M | -89.3M | 197.2M | -483.9M | 754.1M | 198.8M | 107.7M | 186.4M | 186.9M | -105.3M | 86.6M | 193.3M | -22.2M | 15.1M | |
-25.1M | -71.7M | 53.2M | -444.5M | 801.7M | 334.4M | -223M | 404.7M | 267M | -58.6M | 83.5M | 188.1M | -22.2M | 68.2M | |
CASH FLOW SUMMARY | ||||||||||||||
14.5M | -173.6M | 347.8M | -610.8M | 499.7M | 12.9M | 34.1M | -2.4M | 31.3M | 4.8M | 7.2M | 70.9M | -26.2M | -26.4M | |
32.1M | 431.4M | 83.5M | 694.4M | 194.7M | 181.8M | 147.7M | 150M | 118.7M | 113.9M | 106.7M | 35.8M | 62M | 88.4M | |
46.6M | 257.7M | 431.4M | 83.5M | 694.4M | 194.7M | 181.8M | 147.7M | 150M | 118.7M | 113.9M | 106.7M | 35.8M | 62M | |
32.7M | 57.7M | 50.6M | 91.7M | 200.2M | 120.3M | 475.1M | -87.1M | 28.1M | 56M | 28.6M | -32.5M | 12.6M | 5.6M |
RBB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 22, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 10, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 06, 2026 | April 01, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 09, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 21, 2025 | October 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 08, 2025 | June 30, 2025 | 2025 |
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