Stock Ratings / Financials / RBB / dividends

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RBB Bancorp (RBB) Dividend Safety Gauge & 10-Year DRIP Compounder

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RBB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RBB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RBB compare to CBAN and CBK in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RBB?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

CASH DIVIDEND + BUYBACK YIELD

4.36% Total Yield

2.56% Cash ($0.67/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

17.2% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.9% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,390

Est. Year-10 Shareholder Yield: $933/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.6K

Yr 3

$13.6K

Yr 4

$14.6K

Yr 5

$15.8K

Yr 6

$17.0K

Yr 7

$18.4K

Yr 8

$19.8K

Yr 9

$21.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RBB & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on RBB and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

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

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

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

Does RBB pay a dividend and is it safe?

RBB Bancorp (RBB) offers a 2.56% cash dividend yield ($0.67 annualized) and 4.36% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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