RBB BancorpRBB +2.88%62 ROA % is 1.08% as of Mar. 2026, which is 24% below its 10-year median of 1.43. GuruFocus rates RBB with a GF Score™ of 62/100 and a GF Value™ of $21.62 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,528 Banks companies, RBB Bancorp ranks better than 50.92% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. RBB Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $45.2 Mil.
RBB Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $4,201.3 Mil. Therefore, RBB Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 1.08%.
The historical rank and industry rank for RBB Bancorp's ROA % or its related term are showing as below:
RBB'
s ROA % Range Over the Past 10 Years
Min: 0.67 Med: 1.43 Max: 1.65
Current: 0.99
During the past 12 years, RBB Bancorp's highest ROA % was 1.65%. The lowest was 0.67%. And the median was 1.43%.
RBB's ROA % is ranked better than 50.92% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs RBB: 0.99
RBB Bancorp (NAS:RBB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
RBB Bancorp ROA % Related Terms
RBB Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for RBB Bancorp's ROA % 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.
For the Banks - Regional subindustry, RBB Bancorp's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, RBB Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where RBB Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
RBB Bancorp (RBB) has a ROA % of 1.08% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on RBB Bancorp and its competitors. This is 24% below median its historical median of 1.43. Over the past decade, RBB Bancorp's ROA % has ranged from 0.67 to 1.65. According to the industry distribution chart, RBB Bancorp ranks #750 out of 1528 companies in the Banks industry, placing it in the top 49.1%.
Is RBB Bancorp's ROA % too high?
RBB Bancorp's current ROA % of 1.08% is 24% below median its 10-year median of 1.43. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.65. The Banks industry median ROA % is 0.98. RBB Bancorp's value of 1.08% is 10.2% above this industry median. Based on the distribution chart, RBB Bancorp ranks #750 out of 1528 companies in the Banks industry, which is above the industry midpoint. 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 ROA % compare to WTBA and NEWT?
According to the Banks industry distribution chart, RBB Bancorp ranks #750 out of 1528 companies for ROA %. This puts RBB Bancorp in the upper half of its industry. The industry median ROA % is 0.98. RBB Bancorp's value of 1.08% is 10.2% above this benchmark. Historically, RBB Bancorp's own ROA % has ranged from 0.67 to 1.65 over the past decade. While the company's 10-year median is 1.43 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RBB Bancorp's current ROA % of 1.08% is 10.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on RBB Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RBB Bancorp's current ROA % is 1.08%, which is 24% below median its own 10-year median of 1.43. 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 $21.62, compared to a current price of $26.61 — trading 23.1% above its estimated fair value. The current ROA % is 1.08%, which is 24% below median its 10-year median of 1.43 and 10.2% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For RBB Bancorp (RBB), the current ROA % is 1.08% 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 $26.61 is trading 23.1% above its estimated GF Value™ of $21.62.
GuruFocus considers RBB Bancorp to be Modestly Overvalued.
Key valuation signals for RBB:
ROA %: 1.08% (24% below median its 10-year median of 1.43)
GF Value™: $21.62 vs. price of $26.61 (23.1% above fair value)
Industry Position: 10.2% above the Banks median (#750 of 1528)
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.
62GF Score
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