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
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.1.
What can break
Adverse regulatory or capital actions
Momentum
57
Value
52
Sentiment
45
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $28.90
Why
Momentum57 · Δ7d +0.3
Value52 · Δ7d +0.1
Sentiment45 · Δ7d -2.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +0.1.
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: Value · See fundamentals
Momentum
57
8% active weight
Current posture
7d trendImproving
Δ7d
+0.3
Δ21d
-13.8
Value
52
47% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-0.2
Sentiment
45
45% active weight
Current posture
7d trendSoftening
Δ7d
-2.0
Δ21d
-5.9
Why this grade
Composite grade D. Momentum 57.0 / Value 52.2 / Sentiment 45.2
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 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$447.26M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data