RBB Bancorp (RBB) Fair Value 2026

RBB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, RBB Bancorp (RBB) trades at $26.27, versus a $19.98 median fair value across its 6 active models — 24.0% below the current price. QOC: 7.5/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
RBB
Price
$26.27
Quality Score
7.5/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is RBB Bancorp (RBB) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, RBB Bancorp (RBB) appears overvalued as of : the median of 6 independent fair value estimates is $19.98, 24.0% below the current price of $26.27. Estimates range from $15.69 to $30.65. RBB scores 7.5/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. RBB’s -24.0% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy RBB Bancorp Stock in 2026? →

What Fair Value Does Each Model Give RBB?

6 Intrinsic Value Models vs. Current Price ($26.27)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $20.57 -21.7%
Ensemble · Medium Conviction
 $19.39 -26.2%
Intrinsic · High Conviction
 $15.69 -40.3%
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What Is RBB's Fair Value Range?

Spread across 6 independent models · $15.69 to $30.65

CirclFi's 6 active models place RBB Bancorp (RBB) between $15.69 and $30.65 per share, a spread of 75% of the median. The median of that range — $19.98 — is the fair value CirclFi publishes for RBB, against a current price of $26.27.

Low · Markov DDMHigh · Regime Cross
$15.69median $19.98$30.65
Where the range comes from
Most bearish modelMarkov DDM$15.69
Most bullish modelRegime Cross-Sectional$30.65
Model agreement1 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on RBB, not a CirclFi price target. How each model works →

What Is RBB Bancorp (RBB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, RBB Bancorp's intrinsic value is estimated at a median fair value of $19.98. Trading at $26.28, the stock is approaching fair value or slight overvaluation (implied return of -24.0%), as 4 of 6 models suggest limited further upside. Notably, Regime Cross sees the most upside at +16.7% (fair value: $30.65), while Markov DDM is the most conservative at -40.3% ($15.69). The spread between these extremes — +57.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About RBB?

6 of 13 models are currently active for RBB. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for RBB is $19.98 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RBB Rank in Banks - Regional?

Among 352 Banks - Regional stocks, RBB ranks #266 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

RBB Bancorp's positioning within the Banks - Regional segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including credit quality trends — shape both the opportunity set and risk profile.

Is RBB a Value Trap?

CirclFi's Value Trap algorithm assigns RBB a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for RBB Bancorp. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, RBB Bancorp scores 7.5 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +57.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RBB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RBB's 6 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy RBB Bancorp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

10 related Banks - Regional stocks with 13-model coverage

TFINTriumph Financial, Inc.QOC 7.5BSRRSierra BancorpQOC 7.4GOVBGouverneur Bancorp, Inc.QOC 7.5CMTVCommunity BancorpQOC 7.4MBINMerchants BancorpQOC 7.5HOPEHope Bancorp, Inc.QOC 7.4ESQEsquire Financial Holdings, Inc.QOC 9.1PBFSPioneer Bancorp, Inc.QOC 8.4BVFLBV Financial, Inc.QOC 8.0STBAS&T Bancorp, Inc.QOC 9.3

Read investment analysis: TFIN · BSRR · GOVB · CMTV · MBIN · HOPE · ESQ · PBFS · BVFL · STBA

Which Other Stocks Have a Similar Quality Score to RBB?

6 companies across all industries closest to RBB’s Quality of Company score of 7.5/10.

GMEGameStop Corp.QOC 7.5CDNLCardinal Infrastructure Group Inc.QOC 7.4PUBMPubMatic, Inc.QOC 7.4ESRTEmpire State Realty Trust, Inc.QOC 7.5HUIZHuize Holding LimitedQOC 7.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GME · CDNL · PUBM · ESRT · HUIZ · NVDA

Where Does RBB Sit in CirclFi's Banks - Regional Rankings?

RBB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About RBB Bancorp’s Valuation?

What is RBB Bancorp's intrinsic value in 2026?

CirclFi puts RBB Bancorp (RBB)'s intrinsic value at $19.98 — the median of 6 independent model estimates as of 2026-08-28, ranging from $15.69 to $30.65. The Quality of Company score is 7.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RBB overvalued or undervalued right now?

At $26.27, 1 of 6 active models suggest RBB may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $19.98, 24.0% below the current price of $26.27 — a consensus view that RBB is overvalued. The assessment depends on which methodology best fits RBB Bancorp's business model in Banks - Regional.

What does a Quality of Company score of 7.5 mean for RBB?

RBB Bancorp's QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RBB?

CirclFi analyzes RBB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RBB?

Of the 6 models currently active on RBB, Regime Cross-Sectional is the most bullish at $30.65 per share, and Markov DDM is the most bearish at $15.69. CirclFi's published fair value for RBB is the median of that range, $19.98, not either extreme. The gap between the two ends equals 75% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is RBB a value trap in 2026?

RBB Bancorp's Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, RBB Bancorp (RBB) has a median fair value of $19.98 — 24.0% below the current price of $26.27 — as of 2026-08-28.” Source: circlfi.com/stock/RBB/ · Methodology
Primary sources for this RBB valuation
  • Financial statements: RBB Bancorp 10-K and 10-Q filings on SEC EDGAR (CIK 0001499422) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RBB as of ; valuations recomputed .

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