RBBRBB Bancorp
State Commercial Banks
- Revenue
- $5M
- 2.4% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$163M net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear136% of net incomeCash flow under 80% of net income
- Dilutive SBCFired34% of revenueOver 10% of revenue
- Payouts exceed cash flowClear58% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $7M | $6M | $5M | $5M | $5M | 2.4% |
| Net income | $57M | $64M | $42M | $27M | $32M | 20% |
| Operating cash flow | $202M | $94M | $51M | $58M | $43M | 26% |
| Capex | $2M | $2M | $652K | $788K | $798K | 1.3% |
| Stock-based comp | $1M | $848K | $750K | $1M | $2M | 28% |
| Buybacks | $11M | $20M | $7M | $21M | $14M | 32% |
| Dividends | $10M | $11M | $12M | $12M | $11M | 3.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 157 | 153 |
| FY2024 | — | — | 151 | 143 |
| FY2023 | — | — | 136 | 127 |
| FY2022 | — | — | 142 | 127 |
| FY2021 | — | — | 174 | 137 |