B+
Bull case
25%
Probability
Target price
$24.15
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
RBB
RBB BancorpDNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Improving loan growth, stable or expanding NIMs, and benign credit trends drive modest multiple expansion. Constructive post-earnings guidance and continued dividend support push shares toward the analyst high (~$24.15).
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.1.
What can break
Adverse regulatory or capital actions
Momentum
65
Value
52
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.18 · Bull $24.15 · Bear $20.20Analysis 2026-01-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $28.50
Why
Momentum65 · Δ7d +1.7
Value52 · Δ7d -0.0
Sentiment51 · Δ7d +2.1
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +2.1.
Contradictions & invalidation
- • Adverse regulatory or capital actions
- • Deposit-cost re-pricing faster than modeled
- • Faster-than-expected deposit runoff, rising funding costs, or localized CRE/ commercial credit stress compress NIMs and raise provisions, leading to multiple contraction and a reversion toward the analyst low (~$20.20).
Catalyst clock
2026-01-26
Q4 2025 Earnings Release (reported)
Lead driver: Sentiment · See AI snapshot
Momentum
65
9% active weight
Current posture
7d trendFlat
Δ7d
+1.7
Δ21d
+2.9
Value
52
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
51
62% active weight
Current posture
7d trendImproving
Δ7d
+2.1
Δ21d
+4.8
Why this grade
Composite grade D. Momentum 64.6 / Value 52.3 / Sentiment 51.1
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-27. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$22.18
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$20.20
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$462.14M
Beta
1.10
Shares Out
16.92M
P/E (TTM)
14.1
P/S (TTM)
2.84
P/FCF (TTM)
9.71
Rev YoY
-4.0%
EPS YoY
+12.8%
Gross Margin
-
Op Margin
+23.1%
Net Debt
$263M
Current Ratio
0.12
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data