
RBB Bancorp (RBB) Stock Forecast & Price Target
RBB Bancorp (RBB) Analyst Ratings
Bulls say
RBB Bancorp has demonstrated strong loan growth momentum, achieving a 12% increase on a last quarter annualized basis, which reflects a consistent upward trend following similar growth in the previous quarter. The bank's net interest margin (NIM) expanded by 4 basis points quarter-over-quarter to 2.92%, benefiting from improvements in deposit costs and indicating potential for further margin enhancement. Additionally, the positive momentum in net interest income (NII) has led to favorable revisions in the financial outlook, signaling robust performance potential for the company moving forward.
Bears say
RBB Bancorp faces a negative outlook due to a decline in net interest margin (NIM), which fell by 182 basis points to 3.82%, coupled with a decrease in loan loss provisions (LLP), reflecting elevated credit risk with non-performing assets (NPA) at 1.64% and a rise in net charge-offs (NCO) to 0.83%. Additionally, the bank's valuation remains low at 0.8 times tangible book value (TBV), indicating below-optimal profitability compared to both the overall SMID group and Asian American peers, which stands at 1.4 times and 1.0 times TBV, respectively. Key risks, including credit deterioration, slower growth in loans and deposits, and margin pressures, further contribute to concerns regarding future earnings and operational stability.
This aggregate rating is based on analysts' research of RBB Bancorp and is not a guaranteed prediction by Public.com or investment advice.
RBB Bancorp (RBB) Analyst Forecast & Price Prediction
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