RBB BancorpRBB +2.88%62 ROE % is 8.57% as of Mar. 2026, which is 19% below its 10-year median of 10.54. 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 1,523 Banks companies, RBB Bancorp ranks worse than 66.12% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. RBB Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $45.2 Mil. RBB Bancorp's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $527.2 Mil. Therefore, RBB Bancorp's annualized ROE % for the quarter that ended in Mar. 2026 was 8.57%.
The historical rank and industry rank for RBB Bancorp's ROE % or its related term are showing as below:
RBB'
s ROE % Range Over the Past 10 Years
Min: 5.23 Med: 10.54 Max: 13.53
Current: 7.89
During the past 12 years, RBB Bancorp's highest ROE % was 13.53%. The lowest was 5.23%. And the median was 10.54%.
RBB's ROE % is ranked worse than 66.12% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs RBB: 7.89
RBB Bancorp (NAS:RBB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
RBB Bancorp ROE % Related Terms
RBB Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for RBB Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, RBB Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where RBB Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
RBB Bancorp (RBB) has a ROE % of 8.57% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on RBB Bancorp and its competitors. This is 19% below median its historical median of 10.54. Over the past decade, RBB Bancorp's ROE % has ranged from 5.23 to 13.53. According to the industry distribution chart, RBB Bancorp ranks #1007 out of 1523 companies in the Banks industry, placing it in the top 66.1%.
Is RBB Bancorp's ROE % too high?
RBB Bancorp's current ROE % of 8.57% is 19% below median its 10-year median of 10.54. Over the past 10 years, this metric has ranged from a low of 5.23 to a high of 13.53. The Banks industry median ROE % is 10.22. RBB Bancorp's value of 8.57% is 16.1% below this industry median. Based on the distribution chart, RBB Bancorp ranks #1007 out of 1523 companies in the Banks industry, which is below 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 ROE % compare to WTBA and NEWT?
According to the Banks industry distribution chart, RBB Bancorp ranks #1007 out of 1523 companies for ROE %. This places RBB Bancorp in the lower half of its industry. The industry median ROE % is 10.22. RBB Bancorp's value of 8.57% is 16.1% below this benchmark. Historically, RBB Bancorp's own ROE % has ranged from 5.23 to 13.53 over the past decade. While the company's 10-year median is 10.54 vs. the industry median of 10.22, RBB Bancorp has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RBB Bancorp's current ROE % of 8.57% is 16.1% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on RBB Bancorp and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RBB Bancorp's current ROE % is 8.57%, which is 19% below median its own 10-year median of 10.54. 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 ROE % is 8.57%, which is 19% below median its 10-year median of 10.54 and 16.1% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For RBB Bancorp (RBB), the current ROE % is 8.57% 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:
ROE %: 8.57% (19% below median its 10-year median of 10.54)
GF Value™: $21.62 vs. price of $26.61 (23.1% above fair value)
Industry Position: 16.1% below the Banks median (#1007 of 1523)
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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