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RBB BancorpRBB +2.30%65 Debt-to-Equity is 0.60 as of Jun. 2026, which is 8% below its 10-year median of 0.65. GuruFocus rates RBB with a GF Score™ of 65/100 and a GF Value™ of $21.57 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, RBB Bancorp ranks worse than 50.77% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for RBB Bancorp's Debt-to-Equity or its related term are showing as below:
RBB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19 Med: 0.65 Max: 1.16
Current: 0.6
During the past 12 years, the highest Debt-to-Equity Ratio of RBB Bancorp was 1.16. The lowest was 0.19. And the median was 0.65.
RBB's Debt-to-Equity is ranked worse than 50.77% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs RBB: 0.60
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
RBB Bancorp Debt-to-Equity Related Terms
RBB Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for RBB Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RBB vs PBFS, GBFH, FRBA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, RBB Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
RBB Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, RBB Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where RBB Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RBB Bancorp (RBB) has a Debt-to-Equity of 0.60 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on RBB Bancorp and its competitors. This is near median its historical median of 0.65. Over the past decade, RBB Bancorp's Debt-to-Equity has ranged from 0.19 to 1.16. According to the industry distribution chart, RBB Bancorp ranks #722 out of 1422 companies in the Banks industry, placing it in the top 50.8%.
Is RBB Bancorp's Debt-to-Equity too high?
RBB Bancorp's current Debt-to-Equity of 0.60 is near median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.16. The Banks industry median Debt-to-Equity is 0.58. RBB Bancorp's value of 0.60 is 3.4% above this industry median. Based on the distribution chart, RBB Bancorp ranks #722 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, RBB Bancorp has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RBB Bancorp's Debt-to-Equity compare to PBFS and GBFH?
According to the Banks industry distribution chart, RBB Bancorp ranks #722 out of 1422 companies for Debt-to-Equity. This places RBB Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. RBB Bancorp's value of 0.60 is 3.4% above this benchmark. Historically, RBB Bancorp's own Debt-to-Equity has ranged from 0.19 to 1.16 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.58, RBB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RBB Bancorp's current Debt-to-Equity of 0.60 is 3.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on RBB Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RBB Bancorp's current Debt-to-Equity is 0.60, which is near median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RBB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, RBB Bancorp (RBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.57, compared to a current price of $27.09 — trading 25.6% above its estimated fair value. The current Debt-to-Equity is 0.60, which is near median its 10-year median of 0.65 and 3.4% above the Banks industry median of 0.58. RBB Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For RBB Bancorp (RBB), the current Debt-to-Equity is 0.60 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is RBB Bancorp (RBB) Overvalued in 2026?
Based on GuruFocus' analysis, RBB Bancorp stock appears to be overvalued.
The current stock price of $27.09 is trading 25.6% above its estimated GF Value™ of $21.57.
GuruFocus considers RBB Bancorp to be Modestly Overvalued.
Key valuation signals for RBB:
Debt-to-Equity: 0.60 (near median its 10-year median of 0.65)
GF Value™: $21.57 vs. price of $27.09 (25.6% above fair value)
Industry Position: 3.4% above the Banks median (#722 of 1422)
No single metric tells the full story. See the RBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RBB Bancorp operates as a bank holding company. It provides various banking products and services such as checking, savings, money market accounts, and certificates of deposits. Its Specific services include remote deposit, E-banking, mobile banking, commercial and investor real estate loans, business loans and lines of credit, Small Business Administration (SBA) 7A and 504 loans, mortgage loans, trade finance, and a full range of depository accounts. It generates its revenue from interest received on loans and leases and, to a lesser extent, from interest received on investment securities and derives income from noninterest sources, such as fees received in connection with various lending and deposit services, loan servicing, gain on sales of loans, and wealth management services.
65GF Score
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