RBB
Runs Royal Business Bank for Asian-American communities across select U.S. markets.
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Profile
Provides deposits, real-estate, SBA, business, trade-finance, mortgage, and digital banking through Royal Business Bank. The franchise is domestic and acquisition-built, serving primarily Asian-American communities across California, Nevada, New York, New Jersey, Illinois, and Hawaii.
Operates through Royal Business Bank, a full-service commercial bank offering deposits, commercial and investor real-estate loans, business credit, SBA lending, residential mortgage loans, trade finance, remote deposit, e-banking, and mobile banking.
Serves domestic markets with roots in Los Angeles and branches built through acquisitions across California, Nevada, New York, New Jersey, Illinois, and Hawaii. The franchise was founded around Asian-American relationship banking, with a primary focus on Chinese-American customers and a broader Asian-American customer base.
Revenue and credit exposure are shaped by real-estate lending, loan sales with servicing retained, deposit funding, acquisition integration, technology vendors, cybersecurity, natural-disaster exposure, and banking safety-and-soundness regulation.
Company facts
Categories
Key statistics
Year to date +28.2% · Average volume (30d) 137.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 23, 2026 | Stephens | Reiterate | Positive | $23 | $29 | |
| Jun 16, 2026 | Hovde Group | Upgrade | Market Perform | Outperform | $29 | |
| Oct 22, 2025 | Piper Sandler | Reiterate | Neutral | $21.50 | $21 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 20, 2026Q2 FY26 | $0.54 | $0.59 | +10.1% | $33.2M | $33.1M | −0.2% | −0.41% |
| Apr 20, 2026Q1 FY26 | $0.45 | $0.66 | +46.7% | $32.4M | $34.8M | +7.3% | +5.45% |
| Jan 26, 2026Q4 FY25 | $0.49 | $0.59 | +20.4% | $33.2M | $32.3M | −2.7% | −0.74% |
| Oct 20, 2025Q3 FY25 | $0.41 | $0.59 | +43.9% | $33.2M | $32.6M | −1.9% | +6.76% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $54.6M | $62.7M | $60.7M | $60.0M | $61.1M | $60.2M | |
| Gross profit | $21.7M | $33.4M | $31.9M | $31.7M | $35.0M | $33.1M | |
| Operating income | $3.2M | $12.9M | $13.3M | $12.8M | $15.7M | $14.1M | |
| Net income | $2.3M | $9.3M | $10.1M | $10.2M | $11.3M | $10.1M | |
| Diluted EPS | $0.13 | $0.52 | $0.59 | $0.59 | $0.66 | $0.59 | |
| Gross margin | 39.7% | 53.3% | 52.6% | 52.9% | 57.3% | 55.0% | |
| Operating margin | 5.8% | 20.6% | 21.9% | 21.3% | 25.7% | 23.4% |
Fiscal years (4-quarter sums)FY21 $165.7M · FY22 $191.4M · FY23 $236.2M · FY24 $232.0M · FY25 $238.0M
Balance sheet, Jun 30, 2026Cash & short-term investments $25.4M · Total debt $319.3M · Total assets $4.28B · Shareholders' equity $535.2M
Dividends
Raised for 5 straight years — most recently to $0.16 from $0.14 in Jan 2023. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 31, 2026 | Jul 31 | Aug 11 | $0.16 | |
| Apr 30, 2026 | Apr 30 | May 15 | $0.16 | |
| Jan 30, 2026 | Jan 30 | Feb 13 | $0.16 | |
| Oct 31, 2025 | Oct 31 | Nov 12 | $0.16 | |
| Jul 31, 2025 | Jul 31 | Aug 12 | $0.16 | |
| Apr 30, 2025 | Apr 30 | May 12 | $0.16 | |
| Jan 31, 2025 | Jan 31 | Feb 12 | $0.16 | |
| Oct 31, 2024 | Oct 31 | Nov 12 | $0.16 |
Ownership
Shares outstanding 16.94M · Float 14.38M · 84.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| FJ Capital Management LLC | 1.51M | 8.76% | 13G | Nov 12, 2025 |
| BlackRock, Inc. | 1.29M | 7.63% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 902.3K | 5.30% | 13G | Jul 14, 2026 |
| Vanguard Capital Management LLC | 641.3K | 3.79% | 13F | Aug 13, 2026 |
| James Kao · director | 564.8K | 3.33% | Form 4 | May 26, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 4, 2026 | David Richard Morris | director | −1,946 | $23.99 |
| May 26, 2026 | Gary Fan | officer: EVP/Chief Operations Officer | −2,368 | $24.01 |
| May 7, 2026 | Chuang I. Lin | director | −10,000 | $24.23 |
| May 4, 2026 | David Richard Morris | director | −4,500 | $23.90 |
| Apr 29, 2026 | Gary Fan | officer: EVP/Chief Operations Officer | −6,000 | $24.04 |
Peers
- East West Bancorp
Large Asian-American banking rival in deposits, CRE, and mortgages
- Cathay General Bancorp
Chinese-American bank peer across deposits, CRE, SBA, and mortgages
- Bank of Hope
Korean-American regional rival in CRE, SBA, deposits, mortgages
- Hanmi Financial
Los Angeles Korean-American peer in CRE, SBA, trade, and deposits
- Preferred Bank
Commercial-bank rival in SoCal CRE, C&I, deposits, and trade finance
- PCB
Korean-American community peer in SoCal deposits, CRE, and SBA
- OP Bancorp
Korean-American peer in SoCal deposits, CRE, SBA, and mortgages
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| RBB | $26.28 | +0.06% | $445.0M | 10.8 | 11.1 | 1.8 | −7.6% |
| East West Bancorp | $129.44 | −0.02% | $17.73B | 12.4 | 11.9 | 3.8 | +12.5% |
| Cathay General Bancorp | $61.87 | +0.03% | $4.15B | 12.1 | 10.8 | 3.0 | +12.5% |
| Bank of Hope | $13.92 | 0.00% | $1.78B | 13.9 | 10.7 | 1.8 | +56.3% |
| Hanmi Financial | $31.14 | +0.06% | $926.9M | 10.5 | 9.6 | 2.4 | +10.1% |
| Preferred Bank | $103.53 | +0.15% | $1.23B | 9.5 | 9.6 | 2.4 | +4.0% |
| PCB | $27.49 | −0.25% | $391.3M | 9.5 | 9.4 | 1.8 | +4.8% |
| OP Bancorp | $15.13 | 0.00% | $225.3M | 7.8 | 7.5 | 1.3 | +8.6% |
| Median | 10.5 | 9.6 | 2.4 | +10.1% |