CBAN (40) CBK (69) CHMG (68) BMRC (66) ⌘ Pro Terminal →

RBB Bancorp (RBB) — RQD Stock Rating Cockpit

$26.04 -0.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $25.98

RBB Bancorp (RBB) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $440.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $25.98 (-0.23%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 824.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RBB)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY RBB SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$25.42+1.3% Next Q

Q2 (-2Q)

Grade C-$25.75+2.7% Next Q

Q3 (-1Q)

Grade C$26.44-1.5% Next Q

Current

Grade C-$26.04+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RBB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, RBB faces multiple-compression risk if 13.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.26) or 200D SMA ($24.42) invalidates the momentum regime and cuts Target Base ($26.16) toward Bear Floor ($20.40).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RBB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

39.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE78% OF RANGE

L: $18$26.04H: $28

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on RBB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

6.1% ROIC with 42.0% gross margin and 9.67% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

24/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like RBB

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RBB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RBB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.96%📐 HORIZONTAL RANGE

2026-10-30O $26.02H $26.04L $25.50C $26.04VOL 91.3K

RES: $26.98SUP: $25.29SMA50: $26.26SMA200: $24.42

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RBB Butterfly Map → + Track RBB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.4%/yr Implied 5Y Growth

vs. -2.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RBB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RBB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RBB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBB)

Financials Rank #564 of 1096 ⚔️ CBAN vs RBB Full Matrix →

1. Head-to-Head Financials Peer Comparison (RBB vs. CBAN, CBK, CHMG, BMRC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, RBB Bancorp (RBB) ranks #564 by composite RQD confidence (59/100, grade C-) and #733 by equity capitalization ($440.5M). Within this direct 5-issuer industry benchmark cohort, CBK leads on earnings valuation at 12.2x trailing P/E, while CBK leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. CBK currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with RBB at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RBB ACTIVE RBB Bancorp	C-	59/100	13.8x	—	6.1%	-0.23%	$440.5M	Benchmark Subject
CBAN Colony Bankcorp Inc.	D-	40/100	65.5x	—	1.8%	+0.30%	$433.3M	/cban-vs-rbb →
CBK Commercial Bancgroup Inc.	C+	69/100	12.2x	—	13.0%	+1.17%	$452.0M	/cbk-vs-rbb →
CHMG Chemung Financial Corp	C+	68/100	28.0x	—	5.9%	+2.10%	$422.4M	/chmg-vs-rbb →
BMRC Bank of Marin Bancorp	C+	66/100	17.6x	—	6.7%	-0.31%	$466.4M	/bmrc-vs-rbb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001499422

In its most recent audited fiscal period (FY2025, filed 2025-12-31), RBB Bancorp (RBB) reported GAAP revenue of $5.2M (-2.4% vs. FY2024 revenue of $5.3M , and -2.9% cumulative change since FY2023) , GAAP net income of $31.9M, operating cash flow of $43.4M, and free cash flow of $42.6M (-26.2% YoY). On the balance sheet, RBB closed FY2025 with $4.21B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$5.2M	$31.9M	$43.4M	$42.6M	$4.21B	—
FY2024 (FY)	2024-12-31	$5.3M	$26.7M	$58.5M	$57.7M	$3.99B	—
FY2023 (FY)	2023-12-31	$5.3M	$42.5M	$51.3M	$51.3M	—	—

3. RBB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, RBB Bancorp (NASDAQ: RBB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $26.04 (-0.23% 1D, market cap $440.5M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, RBB ranks #564 in composite RQD confidence.

How does RBB compare to CBAN and CBK in the Financials sector?

Within the Financials sector (Major Banks), RBB carries a Roarable C- (59/100 RQD), trailing P/E of 13.8x, gross margin of —, and ROIC of 6.1%. By comparison, CBAN (Colony Bankcorp Inc.) holds a D- grade (40/100 RQD, P/E 65.5x, ROIC 1.8%, cap $433.3M) and CBK (Commercial Bancgroup Inc.) posts a C+ grade (69/100 RQD, P/E 12.2x, ROIC 13.0%, cap $452.0M). Among the 5-stock peer group, CBK leads on earnings multiple (12.2x) while CBK leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RBB?

Per RBB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001499422), RBB Bancorp generated $5.2M in revenue (-2.4% YoY), $31.9M in net income, and $42.6M in free cash flow against $4.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RBB trading relative to its 50-day, 200-day, and 52-week technical levels?

RBB last traded at $26.04 (-0.23% on volume of 110,559 shares), positioning the stock -0.84% below its 50-day simple moving average ($26.26) and +6.63% above its 200-day simple moving average ($24.42). Across its 52-week range of $18.20 to $28.24, RBB sits at the 78.1% percentile with a 14-day RSI of 39.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($24.89 to $27.19).

RBB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell RBB stock right now?

RBB Bancorp (RBB) currently earns a Roarable Rating of C- (Hold — HOLD) with 59/100 RQD Confidence. Solid steady margins (6% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is RBB's 12-month price target and RQD AI Jury consensus?

RBB's 12-month base price target is $26.16 (range $20.4 to $30.87), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: RBB RQD Cockpit RBB 12M Forecast RBB Earnings & Move RBB Dividends & DRIP RBB Insiders & 13F RBB Whale Options RBB Profit Sankey RBB News & Why