RBB Bancorp Financial Ratios — RBB 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 (%)	- -	16.62	11.58	11.86	11.51	10.15	7.98	12.85	13.31	8.25	5.07	6.04
Return on Assets (%)	- -	2.54	1.58	1.65	1.55	1.36	1.07	1.5	1.58	1.07	0.67	0.78
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.36	2.35	2.08	3.23	5.71	5.89	6.59	9.46	6.89	7.17	8.07	6.82
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 (%)	- -	12.63	10.03	9.48	9.68	8.07	6.39	10.6	11.09	5.88	2.84	3.91

Credit (USD)

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	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	- -	- -	38.76	43.44	84.27	16.8	34.35	26.66	39.46	32.75	39.39	32.95
Net Debt/EBITDA	- -	-86.13	-16.06	13.63	55.39	-0.24	16.68	-12.15	29.42	-15.36	8.25	5.95
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	15.26	12.43	15.21	12.45	14.43	12.61	10.97	12.83	13.09	13.14	12.66
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 (%)	- -	- -	23.31	21.64	53.89	22.03	38.88	43.76	46.37	37.42	40.99	35.25
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 (%)	- -	- -	23.31	28.59	53.89	22.03	38.88	43.76	46.37	37.42	40.99	35.25
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 (%)	- -	-128.67	-14.41	11.16	43.44	-0.41	23.59	-50.99	37.98	-36.03	12.11	8.59
EBITDA	1	1	1	2	5	7	8	14	11	10	9	9
EBITDA-CapEx	1	1	1	2	3	5	4	12	9	9	8	8
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	- -	15.26	12.43	15.21	12.45	14.43	12.61	10.97	12.83	13.09	13.14	12.66
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 (%)	- -	- -	23.31	21.64	53.89	22.03	38.88	43.76	46.37	37.42	40.99	35.25
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 (%)	- -	- -	23.31	28.59	53.89	22.03	38.88	43.76	46.37	37.42	40.99	35.25
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	- -	0.06	0.08	0.25	0.14	0.21	0.16	0.18	0.19	0.19	0.19	0.19

Working Capital (USD)

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	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	- -	21.24	11.09	6.7	3.78	3.37	3.16	3.42	3.41	5.32	- -	- -
Days Sales Outstanding	- -	17.19	32.92	54.46	96.44	108.31	115.61	106.86	107.19	68.62	- -	- -
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)

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	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	- -	- -	- -	385	301	424	304	509	398	361	371	360
- 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	- -	-108	-61	353	512	296	224	- -	492	169	390	400
Total Capital	- -	156	226	360	803	516	691	825	938	842	889	823
Total Debt/Capital (%)	- -	- -	23.31	28.59	53.89	22.03	38.88	43.76	46.37	37.42	40.99	35.25
Total Debt / EV	- -	- -	-0.86	0.29	0.85	0.38	1.2	-764.36	0.88	1.87	0.93	0.72
EV/Sales	- -	- -	- -	4.81	5.69	2.57	1.88	- -	3.07	1.26	3.4	3.1
EV/EBITDA	- -	- -	- -	148.81	99.72	43.74	28.59	- -	44.66	17.51	42.18	45.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	12.25	- -	0.62	1.8	- -	5.25	3.29	6.67	9.22
EV/Free Cash Flow to Firm	- -	- -	- -	11.97	- -	0.62	1.74	- -	5.13	3.25	6.58	9.06
Diluted Market Cap	- -	- -	- -	417	316	432	306	520	403	362	373	361
Diluted Enterprise Value	- -	-88	-22	449	600	430	437	379	754	245	479	438
EV per Share	- -	- -	- -	25.05	29.86	14.79	11.31	- -	25.77	8.88	21.53	22.96
TTM Sales	39	43	65	73	90	115	119	143	160	134	115	129
TTM EBITDA	1	1	1	2	5	7	8	14	11	10	9	9
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	30	56	29	-82	478	129	204	96	52	59	44

Multiples (USD)

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	- -	- -	- -	14.15	-3.84	0.9	2.38	2.55	4.2	6.96	6.28	8.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-108	-61	353	512	296	224	- -	492	169	390	400
Low Price	- -	- -	- -	21.26	17.03	17.38	10.61	15.35	19.5	8.62	16.49	14.4
EV/Sales	- -	- -	- -	4.81	5.69	2.57	1.88	- -	3.07	1.26	3.4	3.1
EV/EBITDA	- -	- -	- -	148.81	99.72	43.74	28.59	- -	44.66	17.51	42.18	45.46
Price/Earnings	- -	- -	- -	15.09	8.35	10.81	9.23	8.94	6.19	8.51	13.93	11.26
Price/Earnings Average	- -	- -	- -	13.13	12.73	10.02	8.65	7.82	6.73	6.67	13.71	10.01
Price/Earnings High	- -	- -	- -	15.19	15.97	11.72	12.81	9.38	8.64	9.62	17.19	12.33
Price/Earnings Low	- -	- -	- -	11.72	8.09	8.87	6.37	5.24	5.79	3.85	11.21	7.86
Price/Book Value	- -	- -	- -	1.5	0.81	1.05	0.72	1.1	0.79	0.69	0.71	0.68
Price/Book Value Average	- -	- -	- -	1.3	1.24	0.98	0.67	0.96	0.86	0.54	0.7	0.6
Price/Book Value High	- -	- -	- -	1.51	1.56	1.14	1	1.15	1.11	0.78	0.87	0.74
Price/Book Value Low	- -	- -	- -	1.16	0.79	0.86	0.5	0.64	0.74	0.31	0.57	0.47
Price/Tangible Book Value	- -	- -	- -	1.65	0.98	1.24	0.86	1.29	0.97	0.83	0.85	0.8
Price/Tangible Book Value Average	- -	- -	- -	1.43	1.49	1.15	0.8	1.13	1.06	0.65	0.84	0.71
Price/Tangible Book Value High	- -	- -	- -	1.66	1.87	1.34	1.19	1.36	1.36	0.94	1.06	0.87
Price/Tangible Book Value Low	- -	- -	- -	1.28	0.95	1.01	0.59	0.76	0.91	0.37	0.69	0.56
Price/Sales	- -	- -	- -	5.26	3.35	3.68	2.56	3.56	2.49	2.69	3.24	2.79
Price/Sales Average	- -	- -	- -	4.58	5.11	3.41	2.4	3.11	2.71	2.11	3.19	2.48
Price/Sales High	- -	- -	- -	5.29	6.41	3.99	3.55	3.73	3.47	3.04	4	3.05
Price/Sales Low	- -	- -	- -	4.08	3.25	3.02	1.77	2.08	2.33	1.22	2.61	1.94
Price/Cash Flow	- -	- -	- -	13.39	-3.56	0.89	2.44	2.52	4.24	7.04	6.35	8.29
Price/Cash Flow Average	- -	- -	- -	11.65	-5.43	0.82	2.29	2.2	4.62	5.52	6.25	7.37
Price/Cash Flow High	- -	- -	- -	13.48	-6.81	0.96	3.39	2.64	5.92	7.97	7.84	9.08
Price/Cash Flow Low	- -	- -	- -	10.4	-3.45	0.73	1.68	1.47	3.97	3.19	5.11	5.79
Price/Free Cash Flow Average	- -	- -	- -	12.32	-5.86	0.84	2.23	2.23	4.57	5.46	6.19	7.26
Price/Free Cash Flow High	- -	- -	- -	14.25	-7.35	0.98	3.3	2.67	5.87	7.87	7.76	8.95
Price/Free Cash Flow Low	- -	- -	- -	10.99	-3.72	0.74	1.64	1.49	3.93	3.15	5.06	5.7
EV/Sales Average	- -	- -	- -	5.02	8.28	3.4	3.5	2.12	4.9	1.24	4.11	3.07
EV/Sales High	- -	- -	- -	5.73	9.58	3.98	4.65	2.74	5.66	2.17	4.92	3.65
EV/Sales Low	- -	- -	- -	4.53	6.41	3.01	2.87	1.1	4.52	0.35	3.53	2.54
EV/EBITDA Average	- -	-86.13	-16.06	155.11	144.92	57.78	53.09	22.45	71.12	17.29	50.98	45.09
EV/EBITDA High	- -	-86.13	-16.06	177.28	167.7	67.63	70.61	29	82.25	30.33	61.03	53.51
EV/EBITDA Low	- -	-86.13	-16.06	139.92	112.29	51.16	43.5	11.6	65.63	4.88	43.77	37.29
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	27.37	17.57	21.17	15.38	26.2	20.85	19.04	20.49	20.64
High Price	- -	- -	- -	27.55	33.62	22.95	21.34	27.47	29.09	21.53	25.3	22.59
Enterprise Value Average	- -	-88	-22	368	744	391	415	304	784	166	472	397
Enterprise Value High	- -	-88	-22	420	861	458	552	392	906	292	565	471
Enterprise Value Low	- -	-88	-22	332	577	346	340	157	723	47	405	328

Shares Outstanding	- -	- -	- -	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	3.4	5.1	5.21	5.24	5.75	6.01	7.37	8.38	7.08	6.33	7.41
EBITDA per Share	0.06	0.08	0.11	0.17	0.3	0.34	0.4	0.7	0.58	0.51	0.51	0.5
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.66	1.02	1.49	1.81	2.11	1.96	1.67	2.93	3.37	2.24	1.47	1.83
Basic EPS from Cont Ops	0.66	1.02	1.49	1.81	2.11	1.96	1.67	2.93	3.37	2.24	1.47	1.83
Diluted EPS, GAAP	0.66	0.96	1.39	1.68	2.01	1.92	1.65	2.87	3.33	2.24	1.47	1.83
Diluted EPS from Cont Ops	0.66	0.96	1.39	1.68	2.01	1.92	1.65	2.87	3.33	2.24	1.47	1.83
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	-4.94	23.8	6.3	10.41	4.91	2.7	3.23	2.49
Free Cash Flow per Basic Share	-2.07	2.24	4.38	2	-5.08	23.74	6.09	10.31	4.8	2.67	3.18	2.44
Cash & Equivalents per Share	- -	8.48	8.89	9.63	12.95	12.06	17.67	44.8	17.85	26.77	19.07	14.33
Book Value per Share	- -	12.23	13.55	18.27	21.59	20.1	21.37	23.87	26.33	27.77	28.94	30.55
Tangible Book Value per Share	- -	12.47	11.71	16.61	18	17.14	17.91	20.25	21.43	23.02	23.97	25.84

RBB Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)