RBB Bancorp (RBB) - Net Assets
Based on the latest financial reports, RBB Bancorp (RBB) has net assets worth $531.05 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.19 Billion) and total liabilities ($3.66 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check RBB intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $531.05 Million |
| % of Total Assets | 12.66% |
| Annual Growth Rate | -0.71% |
| 5-Year Change | 12.16% |
| 10-Year Change | 188.25% |
| Growth Volatility | 27.31 |
RBB Bancorp - Net Assets Trend (2012–2025)
This chart illustrates how RBB Bancorp's net assets have evolved over time, based on quarterly financial data. See RBB Bancorp defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for RBB Bancorp (2012–2025)
The table below shows the annual net assets of RBB Bancorp from 2012 to 2025. For live valuation and market cap data, see RBB Bancorp market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $523.41 Million | +3.06% |
| 2024-12-31 | $507.88 Million | -0.66% |
| 2023-12-31 | $511.26 Million | +5.51% |
| 2022-12-31 | $484.56 Million | +3.83% |
| 2021-12-31 | $466.68 Million | +8.91% |
| 2020-12-31 | $428.49 Million | +5.13% |
| 2019-12-31 | $407.57 Million | +8.65% |
| 2018-12-31 | $375.11 Million | +41.46% |
| 2017-12-31 | $265.18 Million | +46.03% |
| 2016-12-31 | $181.59 Million | +10.96% |
| 2015-12-31 | $163.65 Million | +7.67% |
| 2014-12-31 | $151.98 Million | +10.14% |
| 2013-12-31 | $137.99 Million | -75.96% |
| 2012-12-31 | $573.96 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to RBB Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 75999.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $282.02 Million | 53.88% |
| Common Stock | $250.69 Million | 47.90% |
| Other Comprehensive Income | $-13.32 Million | -2.55% |
| Other Components | $4.01 Million | 0.77% |
| Total Equity | $523.41 Million | 100.00% |
RBB Bancorp Competitors by Market Cap
The table below lists competitors of RBB Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Taimide Tech Inc
TW:3645
|
$398.54 Million |
|
Zhejiang Wufangzhai Industry Co. Ltd. A
SHG:603237
|
$398.54 Million |
|
Shandong Xinjufeng Technology Packaging Co. Ltd. A
SHE:301296
|
$398.76 Million |
|
K-Bro Linen Inc.
TO:KBL
|
$398.88 Million |
|
HOMAG Group AG
F:HG1
|
$398.48 Million |
|
Future Generation Australia Ltd
AU:FGX
|
$398.35 Million |
|
Shanghai W Ibeda High Tech Group Co Ltd
SHG:688071
|
$398.28 Million |
|
Shenzhen TVT Digital Technology Co Ltd
SHE:002835
|
$398.27 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in RBB Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 507,805,000 to 523,410,000, a change of 15,605,000 (3.1%).
- Net income of 31,948,000 contributed positively to equity growth.
- Dividend payments of 11,264,000 reduced retained earnings.
- Share repurchases of 14,247,000 reduced equity.
- Other comprehensive income increased equity by 6,936,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $31.95 Million | +6.1% |
| Dividends Paid | $11.26 Million | -2.15% |
| Share Repurchases | $14.25 Million | -2.72% |
| Other Comprehensive Income | $6.94 Million | +1.33% |
| Other Changes | $2.23 Million | +0.43% |
| Total Change | $- | 3.07% |
Book Value vs Market Value Analysis
This analysis compares RBB Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.82x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.08x to 0.82x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2012-12-31 | $12.02 | $24.96 | x |
| 2013-12-31 | $11.62 | $24.96 | x |
| 2014-12-31 | $9.69 | $24.96 | x |
| 2015-12-31 | $12.07 | $24.96 | x |
| 2016-12-31 | $13.26 | $24.96 | x |
| 2017-12-31 | $17.40 | $24.96 | x |
| 2018-12-31 | $20.87 | $24.96 | x |
| 2019-12-31 | $19.98 | $24.96 | x |
| 2020-12-31 | $21.50 | $24.96 | x |
| 2021-12-31 | $23.53 | $24.96 | x |
| 2022-12-31 | $25.06 | $24.96 | x |
| 2023-12-31 | $26.93 | $24.96 | x |
| 2024-12-31 | $27.93 | $24.96 | x |
| 2025-12-31 | $30.54 | $24.96 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently RBB Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.10%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.42%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.04x
- Recent ROE (6.10%) is below the historical average (8.27%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 3.74% | 19.93% | 0.04x | 5.33x | $-6.77 Million |
| 2013 | 5.08% | 22.99% | 0.04x | 5.24x | $-6.80 Million |
| 2014 | 6.86% | 24.01% | 0.05x | 6.09x | $-4.77 Million |
| 2015 | 7.93% | 25.81% | 0.05x | 6.25x | $-3.39 Million |
| 2016 | 10.51% | 24.78% | 0.06x | 7.69x | $920.50K |
| 2017 | 9.63% | 29.27% | 0.05x | 6.38x | $-989.60K |
| 2018 | 9.63% | 31.79% | 0.04x | 7.93x | $-1.40 Million |
| 2019 | 9.62% | 24.52% | 0.06x | 6.84x | $-1.54 Million |
| 2020 | 7.69% | 21.51% | 0.05x | 7.82x | $-9.91 Million |
| 2021 | 12.20% | 34.32% | 0.04x | 9.06x | $10.24 Million |
| 2022 | 13.28% | 33.60% | 0.05x | 8.09x | $15.88 Million |
| 2023 | 8.31% | 17.98% | 0.06x | 7.88x | $-8.65 Million |
| 2024 | 5.25% | 11.49% | 0.06x | 7.86x | $-24.12 Million |
| 2025 | 6.10% | 13.42% | 0.06x | 8.04x | $-20.39 Million |
Industry Comparison
This section compares RBB Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| RBB Bancorp (RBB) | $531.05 Million | 3.74% | 6.90x | $398.50 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About RBB Bancorp
RBB Bancorp operates as the bank holding company for Royal Business Bank that provides business-banking and consumer products and services to Asian-centric communities in the United States. The company offers deposit products, including checking, savings, money market, and time deposits; retail deposits; brokered deposits, collateralized deposits, and deposits acquired through internet listing se… Read more