RBB Bancorp Financial Ratios — 5SZ Stock

Profitability (USD)

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	11.05	11.43	11.29	10.03	7.88	12.72	13.53	8.53	5.23	6.2
Return on Assets (%)	- -	- -	1.58	1.65	1.55	1.36	1.07	1.5	1.58	1.07	0.67	0.78
Return on Capital (%)	- -	- -	9.59	8.48	6.14	5.9	5.4	7.46	7.36	4.86	3.14	3.79
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	45.15	50.69	49.89	63.86	51.38	48.09	39.98	56.56	57.07	44.86	31.11	32.62
Profit Margin (%)	26.8	29.94	29.23	34.83	40.15	34.08	27.74	39.77	40.19	31.62	23.25	24.74
Net Income to Common Margin (%)	26.8	29.94	29.23	34.83	40.15	34.08	27.74	39.77	40.19	31.62	23.25	24.74
Effective Tax Rate (%)	40.63	40.95	41.42	45.45	21.86	29.12	30.62	29.69	29.58	29.51	25.26	24.18
Dvd Payout Ratio (%)	- -	24	13.39	20.05	15.93	20.49	19.94	17.48	16.69	28.64	43.95	35.26
Sustainable Growth Rate (%)	- -	- -	9.57	9.14	9.49	7.97	6.31	10.49	11.27	6.09	2.93	4.01

Credit (USD)

Credit Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	53	103	433	114	269	361	435	315	364	290
ST Debt	- -	- -	- -	25	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	53	78	433	114	269	361	435	315	364	290
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	16	13.01	15.68	12.59	14.62	12.79	11.04	12.36	12.7	12.72	12.44
Long-Term Debt/Equity (%)	- -	- -	29.03	29.4	115.51	27.89	62.7	77.31	89.74	61.67	71.75	55.42
Long-Term Debt/Capital (%)	- -	- -	22.5	21.18	53.6	21.81	38.54	43.6	47.3	38.14	41.78	35.66
Long-Term Debt/Total Assets (%)	- -	- -	3.78	4.61	14.55	4.08	8.02	8.53	11.1	7.83	9.13	6.89
Total Debt/Equity (%)	- -	- -	29.03	38.82	115.51	27.89	62.7	77.31	89.74	61.67	71.75	55.42
Total Debt/Capital (%)	- -	- -	22.5	27.97	53.6	21.81	38.54	43.6	47.3	38.14	41.78	35.66
Total Debt/Total Assets (%)	- -	- -	3.78	6.09	14.55	4.08	8.02	8.53	11.1	7.83	9.13	6.89
Net Debt to Equity	- -	-53.69	-12.03	12.18	75.92	-0.4	30.44	-35.24	66.9	-28.93	15.03	10.01
Net Debt/Capital (%)	- -	-115.91	-13.67	10.86	43.16	-0.4	23.33	-50.53	38.81	-37.48	12.43	8.72
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	16	13.01	15.68	12.59	14.62	12.79	11.04	12.36	12.7	12.72	12.44
Long-Term Debt/Equity (%)	- -	- -	29.03	29.4	115.51	27.89	62.7	77.31	89.74	61.67	71.75	55.42
Long-Term Debt/Capital (%)	- -	- -	22.5	21.18	53.6	21.81	38.54	43.6	47.3	38.14	41.78	35.66
Long-Term Debt/Total Assets (%)	- -	- -	3.78	4.61	14.55	4.08	8.02	8.53	11.1	7.83	9.13	6.89
Total Debt/Equity (%)	- -	- -	29.03	38.82	115.51	27.89	62.7	77.31	89.74	61.67	71.75	55.42
Total Debt/Capital (%)	- -	- -	22.5	27.97	53.6	21.81	38.54	43.6	47.3	38.14	41.78	35.66
Total Debt/Total Assets (%)	- -	- -	3.78	6.09	14.55	4.08	8.02	8.53	11.1	7.83	9.13	6.89
CFO/Total Liabilities	- -	3.39	4.63	2.02	-3.26	20.01	4.26	5.37	2.73	1.46	1.68	1.18
CFO/CapEx	-76.86	62.17	267.71	42.08	-34.02	352.94	29.6	101.65	45.43	78.67	74.23	54.37
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	11.09	6.7	3.78	3.37	3.16	3.42	3.41	- -	- -	- -
Days Sales Outstanding	- -	- -	32.92	54.46	96.44	108.31	115.61	106.86	107.19	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	297	492	392	360	360	345
- Cash & Cash Equivalents	- -	88	75	71	148	115	138	502	84	432	258	213
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	53	103	433	114	269	361	435	315	364	290
Enterprise Value	- -	- -	- -	- -	- -	- -	216	-17	486	167	379	386
Total Capital	- -	164	234	368	807	521	697	827	919	827	872	813
Total Debt/Capital (%)	- -	- -	22.5	27.97	53.6	21.81	38.54	43.6	47.3	38.14	41.78	35.66
Total Debt / EV	- -	- -	- -	- -	- -	- -	1.24	-20.75	0.89	1.89	0.96	0.75
EV/Sales	- -	- -	- -	- -	- -	- -	1.82	- -	3.04	1.24	3.3	2.98
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.74	- -	5.18	3.26	6.48	8.89
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.8	- -	5.3	3.3	6.57	9.05
Diluted Market Cap	- -	- -	- -	- -	- -	- -	302	502	400	367	370	354
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	222	-8	494	175	388	394
EV per Share	- -	- -	- -	- -	- -	- -	11.05	- -	25.61	8.97	21.37	22.57
TTM Sales	39	43	65	73	90	115	119	143	160	134	115	129
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-32	29	56	29	-85	476	125	202	94	51	58	43
TTM Free Cash Flow to Firm	-32	29	56	28	-87	475	120	200	92	51	58	43

Multiples (USD)

Valuation Multiples API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	2.51	2.51	4.36	7.26	6.4	8.31
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	216	-17	486	167	379	386
Low Price	- -	- -	- -	- -	- -	- -	0.01	14.85	19.58	8.87	16.32	13.6
EV/Sales	- -	- -	- -	- -	- -	- -	1.82	- -	3.04	1.24	3.3	2.98
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	9.11	8.63	6.14	8.64	13.81	11.04
Price/Earnings Average	- -	- -	- -	- -	- -	- -	4.56	7.66	6.64	6.57	13.34	9.49
Price/Earnings High	- -	- -	- -	- -	- -	- -	9.11	9.16	8.35	9.37	16.63	11.81
Price/Earnings Low	- -	- -	- -	- -	- -	- -	0.01	5.07	5.82	3.97	11.1	7.43
Price/Book Value	- -	- -	- -	- -	- -	- -	0.69	1.05	0.81	0.7	0.71	0.66
Price/Book Value Average	- -	- -	- -	- -	- -	- -	0.35	0.94	0.88	0.54	0.69	0.57
Price/Book Value High	- -	- -	- -	- -	- -	- -	0.69	1.12	1.1	0.76	0.85	0.71
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.62	0.77	0.32	0.57	0.44
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	0.84	1.25	0.96	0.82	0.83	0.77
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	0.42	1.11	1.04	0.63	0.8	0.66
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	0.84	1.33	1.3	0.89	1	0.82
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.74	0.91	0.38	0.67	0.52
Price/Sales	- -	- -	- -	- -	- -	- -	2.53	3.43	2.47	2.73	3.21	2.73
Price/Sales Average	- -	- -	- -	- -	- -	- -	1.26	3.05	2.67	2.08	3.1	2.35
Price/Sales High	- -	- -	- -	- -	- -	- -	2.53	3.64	3.36	2.96	3.87	2.92
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	2.02	2.34	1.26	2.58	1.84
Price/Cash Flow	- -	- -	- -	- -	- -	- -	2.41	2.43	4.21	7.16	6.3	8.13
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	1.21	2.16	4.55	5.44	6.08	6.99
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	2.41	2.58	5.73	7.76	7.58	8.69
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	1.43	3.99	3.29	5.06	5.47
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	1.26	2.22	4.71	5.52	6.19	7.15
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	2.51	2.66	5.93	7.87	7.71	8.89
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	1.47	4.13	3.33	5.15	5.6
EV/Sales Average	- -	- -	- -	- -	- -	- -	0.57	- -	3.24	0.6	3.2	2.61
EV/Sales High	- -	- -	- -	- -	- -	- -	1.82	0.09	3.92	1.47	3.94	3.17
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	2.91	- -	2.69	2.11
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	15.16	25.26	20.67	19.32	20.3	20.21
High Price	- -	- -	- -	- -	- -	- -	15.16	26.8	28.09	20.95	24.44	21.61
Enterprise Value Average	- -	- -	- -	- -	- -	- -	68	-72	518	81	367	337
Enterprise Value High	- -	- -	- -	- -	- -	- -	216	13	627	197	452	409
Enterprise Value Low	- -	- -	- -	- -	- -	- -	-80	-220	466	-27	308	273

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	12	15	15	16	20	20	20	19	19	19	18	17
Diluted Weighted Avg Shares	16	14	14	15	18	20	20	20	19	19	18	18
Basic Weighted Avg Shares	16	13	13	14	17	20	20	19	19	19	18	17
Revenue per Share	2.48	3.39	5.09	5.2	5.24	5.74	6	7.36	8.37	7.07	6.32	7.4
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.66	1.02	1.49	1.81	2.1	1.96	1.66	2.93	3.36	2.23	1.47	1.83
Basic EPS from Cont Ops	0.66	1.02	1.49	1.81	2.1	1.96	1.66	2.93	3.36	2.23	1.47	1.83
Diluted EPS, GAAP	0.66	0.96	1.39	1.67	2.01	1.92	1.65	2.87	3.32	2.23	1.46	1.82
Diluted EPS from Cont Ops	0.66	0.96	1.39	1.67	2.01	1.92	1.65	2.87	3.32	2.23	1.46	1.82
Dividend per Share	- -	0.24	0.2	0.36	0.34	0.4	0.33	0.51	0.56	0.64	0.65	0.65
Cash Flow per Share	-2.04	2.28	4.39	2.04	-4.93	23.77	6.29	10.4	4.91	2.7	3.22	2.49
Free Cash Flow per Basic Share	-2.07	2.24	4.37	1.99	-5.07	23.71	6.08	10.29	4.8	2.67	3.18	2.44
Cash & Equivalents per Share	- -	7.24	7.61	8.51	11.09	12.04	17.82	44.68	17.96	27.27	19.48	14.63
Book Value per Share	- -	10.94	12.14	16.65	18.71	20.33	21.87	23.96	25.52	27.44	28.62	30.64
Tangible Book Value per Share	- -	10.65	10.02	14.68	15.41	17.1	18.07	20.19	21.55	23.45	24.48	26.38