* Note: Prices are in Million (M) USD.
Description:
RBB Bancorp is the banking holding company of Royal Business Bank offering various banking products and services to the Sino-American, Korean-American and other Asian-American communities. The company is headquartered in Los Angeles, California.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $258 M
Debt : $364 M
EBITDA : $0 M
Net Debt (Debt - Cash): $106 M
This criteria used industry in which company operates:
Sector: Financials
Industry: Banks - Regional
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Forward PE Ratio: 13.01
Since Forward PE Ratio is less than 15, 5 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Average Free Cash Flow: $166 M
Average Revenue: $120 M
Revenue Converted To Free Cash FLow(%): 138%
Since Free Cash Flow (FCF) to Revenue percentage is greater than 25, 5 points assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $232 M
Revenue 4 Years Ago (2020-12-31): $153 M
Last 5 Years Average Revenue Growth: 10%
Since Revenue Growth is between 10 - 15, 3 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $18 M
Share Count 5 Years Ago (2020-12-31): $20 M
Company is buying back its own shares, 3 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $1.52
Trailing 12-Month Earnings Per Share (EPS): $1.28
Average Earnings Per Share (EPS): $1.40
Dividend Per Share (DPS): $1
Payout Ratio: 46%
Dividend Yield: 3%
Since company Payout Ratio is less than 50, 2 points assigned.
Since Dividend Yield is greater than 3, 3 points assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Average ROE: 8%
Since Average ROE is less than 10, 1 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $18
52-Week Low: $14
Threshold Price (15% Above 52-Week Low): $16
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $335 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based the market cap, we recommend do not exceed 0.5% exposure of Total Portfolio.
Value-Trade has assigned 26 points to above RBB Bancorp (RBB) stock.
Last 8 Years Avg PE (Limited to last 8 years of EPS data) 10, Fair Value PE 15, Industry Based PE is 13 and Growth based PE is 10. Based on these all values average assigned is 12.00.
Value-Trades has assined P/E value 12.00. Since an average (Current Year EPS + Next Year EPS) earning per share is $1.40.
The fair value of RBB Bancorp (RBB) stock should be (12.00 x $1.40) = $16.8
