COMP <GO>
RBB vs CBK // ALTMAN Z-SCORE & DEBT/EQUITY
RBB Bancorp (NASDAQ) VS. Commercial Bancgroup Inc. (NASDAQ) • 15-METRIC TALLY: RBB 3
— CBK 4
■ METRIC PARITY
LAST: $26.04 (-0.23%) • MKT CAP: $440.5M
balance-sheet
—
LAST: $32.99 (+1.17%) • MKT CAP: $452.0M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RBB VS. CBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RBB | CBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.10% | 13.00% | -6.90 | CBK | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.67% | 7.79% | +1.88 | RBB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -2.40% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.56% | 0.44% | +2.12 | RBB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | RBB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.4 | 60.3 | -20.85 | CBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.8x | 11.3x | +1.50 | CBK | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $440.5M | $452.0M | -$11.5M | CBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RBB REV | CBK REV | RBB GROSS % | CBK GROSS % | RBB FCF | CBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.2M | $0 | — | — | $42.6M | $35.2M |
| FY 2024 | $5.3M | $0 | — | — | $57.7M | $35.6M |
| FY 2023 | $5.3M | — | — | — | $51.3M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RBB // BETA —
CBK // BETA —