RBB (RBB Bancorp) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is RBB Bancorp LT-Debt-to-Total-Asset?

RBB Bancorp RBB -0.68% 62 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates RBB with a GF Score™ of 62/100 and a GF Value™ of $21.63 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. RBB Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

RBB Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.08) to Mar. 2026 (0.04). It may suggest that RBB Bancorp is progressively becoming less dependent on debt to grow their business.

RBB Bancorp (NAS:RBB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

RBB Bancorp LT-Debt-to-Total-Asset Related Terms

RBB Bancorp LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for RBB Bancorp's LT-Debt-to-Total-Asset 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 Bancorp LT-Debt-to-Total-Asset Chart

RBB Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.09

0.11

0.08

0.09

0.07

RBB Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.08	0.08	0.04	0.07	0.04

62GF Score

RBB Bancorp RBB

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

RBB Bancorp LT-Debt-to-Total-Asset Calculation

RBB Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	290.086	/	4208.294
	=	0.07

RBB Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	179.808	/	4194.312
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

RBB Bancorp (RBB) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on RBB Bancorp and its competitors.

Is RBB Bancorp's LT-Debt-to-Total-Asset too high?

RBB Bancorp's current LT-Debt-to-Total-Asset is 0.04. Overall, RBB Bancorp has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does RBB Bancorp's LT-Debt-to-Total-Asset compare to WTBA and CBK?

RBB Bancorp's LT-Debt-to-Total-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on RBB Bancorp and its competitors. RBB Bancorp's current LT-Debt-to-Total-Asset is 0.04. 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 $21.63, compared to a current price of $27.73 — trading 28.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. RBB Bancorp's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For RBB Bancorp (RBB), the current LT-Debt-to-Total-Asset is 0.04 as of Mar. 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 $27.73 is trading 28.2% above its estimated GF Value™ of $21.63. GuruFocus considers RBB Bancorp to be Modestly Overvalued.

Key valuation signals for RBB:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $21.63 vs. price of $27.73 (28.2% above fair value)
GF Score™: 62/100 with 7 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies WTBA CBK BMRC BSVN BWFG GBFH FFMR FRBA PDLB CBAN SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 5SZ:Germany

Address 1055 Wilshire Boulevard, 12th Floor, Los Angeles, CA, USA, 90017

Website https://www.royalbusinessbankusa.com

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.

62GF Score

Get the complete analysis for RBB

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.73

Price

$21.63

GF Value

View RBB Analysis

See LT-Debt-to-Total-Asset data for all stocks →