RBB (RBB Bancorp) Moat Score: 4/10 (As of Jul. 01, 2026)


RBB RBB Bancorp RBB
62 GF Score
Price $27.74
GF Value $21.63
Valuation Modestly Overvalued
! 7 Warning Signs
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What is RBB Bancorp Moat Score?

RBB Bancorp RBB +1.24% 62 Moat Score is 4 as of Jul. 01, 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. Among 1,611 Banks companies, RBB Bancorp ranks better than 86.22% on this metric.

RBB Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

RBB Bancorp has Narrow Moat: RBB Bancorp has a modest moat with a focus on niche banking services, providing some customer loyalty. However, it faces significant competition and lacks strong network effects or significant switching costs.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes RBB Bancorp might have Narrow Moat - Discernible but modest moat.

RBB Bancorp  (NAS:RBB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

RBB Bancorp Moat Score Related Terms

RBB vs WTBA, CBK, BMRC: Moat Score Comparison

For the Banks - Regional subindustry, RBB Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, RBB Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where RBB Bancorp's Moat Score falls into.


RBB
62GF Score
RBB Bancorp RBB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
RBB Bancorp (RBB) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, RBB Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is RBB Bancorp's Moat Score too high?
RBB Bancorp's current Moat Score is 4. Based on the distribution chart, RBB Bancorp ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to WTBA and CBK?
According to the Banks industry distribution chart, RBB Bancorp ranks #222 out of 1611 companies for Moat Score. This places RBB Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. RBB Bancorp's current Moat Score is 4. 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 $27.74 — trading 28.2% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For RBB Bancorp (RBB), the current Moat Score is 4 as of Jul. 01, 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 $27.74 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:

  • Moat Score: 4
  • GF Value™: $21.63 vs. price of $27.74 (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

Other Exchanges 5SZ:Germany
Address 1055 Wilshire Boulevard, 12th Floor, Los Angeles, CA, USA, 90017
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.74
Price
$21.63
GF Value