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RBB BancorpRBB -3.08%61 5-Year Yield-on-Cost % is 4.27 as of Jul. 18, 2026, which is 9% below its 10-year median of 4.67. GuruFocus rates RBB with a GF Score™ of 61/100 and a GF Value™ of $21.65 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,255 Banks companies, RBB Bancorp ranks better than 55.22% on this metric.
RBB Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 4.27.
The historical rank and industry rank for RBB Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
RBB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.52 Med: 4.67 Max: 10.94
Current: 4.27
During the past 12 years, RBB Bancorp's highest Yield on Cost was 10.94. The lowest was 0.52. And the median was 4.67.
RBB's 5-Year Yield-on-Cost % is ranked better than 55.22% of 1255
companies
in the Banks industry
Industry Median: 3.85
vs RBB: 4.27
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
RBB Bancorp 5-Year Yield-on-Cost % Related Terms
RBB vs WTBA, CBK, BMRC: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, RBB Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, RBB Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where RBB Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of RBB Bancorp is calculated as
RBB Bancorp (RBB) has a 5-Year Yield-on-Cost % of 4.27 as of Jul. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on RBB Bancorp and its competitors. This is near median its historical median of 4.67. Over the past decade, RBB Bancorp's 5-Year Yield-on-Cost % has ranged from 0.52 to 10.94. According to the industry distribution chart, RBB Bancorp ranks #562 out of 1255 companies in the Banks industry, placing it in the top 44.8%.
Is RBB Bancorp's 5-Year Yield-on-Cost % too high?
RBB Bancorp's current 5-Year Yield-on-Cost % of 4.27 is near median its 10-year median of 4.67. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 10.94. The Banks industry median 5-Year Yield-on-Cost % is 3.85. RBB Bancorp's value of 4.27 is 10.9% above this industry median. Based on the distribution chart, RBB Bancorp ranks #562 out of 1255 companies in the Banks industry, which is above the industry midpoint. Overall, RBB Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RBB Bancorp's 5-Year Yield-on-Cost % compare to WTBA and CBK?
According to the Banks industry distribution chart, RBB Bancorp ranks #562 out of 1255 companies for 5-Year Yield-on-Cost %. This puts RBB Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. RBB Bancorp's value of 4.27 is 10.9% above this benchmark. Historically, RBB Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.52 to 10.94 over the past decade. While the company's 10-year median is 4.67 vs. the industry median of 3.85, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. RBB Bancorp's current 5-Year Yield-on-Cost % of 4.27 is 10.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on RBB Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RBB Bancorp's current 5-Year Yield-on-Cost % is 4.27, which is near median its own 10-year median of 4.67. 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 $21.65, compared to a current price of $27.03 — trading 24.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.27, which is near median its 10-year median of 4.67 and 10.9% above the Banks industry median of 3.85. RBB Bancorp's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For RBB Bancorp (RBB), the current 5-Year Yield-on-Cost % is 4.27 as of Jul. 18, 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 $27.03 is trading 24.8% above its estimated GF Value™ of $21.65.
GuruFocus considers RBB Bancorp to be Modestly Overvalued.
Key valuation signals for RBB:
5-Year Yield-on-Cost %: 4.27 (near median its 10-year median of 4.67)
GF Value™: $21.65 vs. price of $27.03 (24.8% above fair value)
Industry Position: 10.9% above the Banks median (#562 of 1255)
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.
61GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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