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RBB Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$820K in Q3 2026 · $52.7M over twelve months

Operating cash flow−$820K
Free cash flow−$820K
Cash / net income-0.1×

Analysis

In Q3 2026, RBB Bancorp generated −$820K of operating cash flow. That is $2.6M less than in Q3 2025 ($1.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $52.7M; the largest uses were other investing ($124M), dividends ($11.0M), buybacks ($9.0M); besides operations, cash came from other financing ($38.7M), asset & business sales ($7.4M); the cash balance fell by $44.6M.

Operating cash flow was −$820K against net income of $12.6M — -0.1× profit, less cash than reported earnings, worth checking against working capital. The largest differences: stock-based pay +$401K, deferred taxes −$152K, impairments −$0.

Free cash flow

RBB Bancorp: free cash flow by quarterRBB Bancorp: free cash flow by quarter$17.2MQ4 2024$7.6MQ1 2025$21.6MQ2 2025$1.8MQ3 2025$11.7MQ4 2025$19.4MQ1 2026$22.3MQ2 2026−$820KQ3 2026
Operating cash flow less capital spending.
RBB Bancorp: operating cash flow against capital spendingRBB Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$17.5M$233KQ4 2024$7.8M$180KQ1 2025$21.7M$98KQ2 2025$2.1M$363KQ3 2025$11.8M$157KQ4 2025$19.4M$0Q1 2026$22.3M$0Q2 2026−$820K$0Q3 2026
Latest (Q3 2026): Operating cash flow −$820K, Capital spending $0.

Capital allocation, year by year

RBB Bancorp: where the cash came from (up) and went (down), by fiscal yearRBB Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $202MFY2021: Shares issued $3.5MFY2021: Capital spending −$2.0MFY2021: Buybacks −$10.5MFY2021: Dividends −$9.9M$206MFY2021FY2022: Operating cash flow $93.8MFY2022: Shares issued $5.5MFY2022: Asset sales $1.1MFY2022: Capital spending −$2.1MFY2022: Acquisitions $71.4MFY2022: Buybacks −$19.8MFY2022: Dividends −$10.7M$172MFY2022FY2023: Operating cash flow $51.3MFY2023: Shares issued $295KFY2023: Asset sales $32KFY2023: Capital spending −$652KFY2023: Buybacks −$6.8MFY2023: Dividends −$12.2M$51.6MFY2023FY2024: Operating cash flow $58.5MFY2024: Shares issued $1.8MFY2024: Capital spending −$788KFY2024: Buybacks −$20.7MFY2024: Dividends −$11.7M$60.3MFY2024FY2025: Operating cash flow $43.4MFY2025: Shares issued $417KFY2025: Asset sales $42KFY2025: Capital spending −$798KFY2025: Buybacks −$14.0MFY2025: Dividends −$11.3M$43.8MFY2025
Over these 5 years operating cash flow totalled $449M; the largest uses were buybacks ($71.8M) and dividends ($55.8M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$190M
Debt$80.0M
Net cash$110M

RBB Bancorp funds itself: free cash flow was $52.7M over the last twelve months, and $190M of cash and investments stands against $80.0M of debt.

Where the cash came from and went

RBB Bancorp: sources (+) and uses (−) of cash, Q3 2026RBB Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$92.7MOther investing−$69.4MOther financing−$15.4MBuybacks−$4.5MDividends−$2.7MOperating cash flow−$820KShares issued$110KTaxes on employees’ shares−$61K
RBB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026RBB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$124MOperating cash flow$52.7MCash drawn (+) / kept (−)$44.6MOther financing$38.7MDividends−$11.0MBuybacks−$9.0MAsset & business sales$7.4MShares issued$1.4MTaxes on employees’ shares−$466K

From profit to cash

RBB Bancorp: net income to operating cash flow, Q3 2026RBB Bancorp: net income to operating cash flow, Q3 2026Net income$12.6MStock-based pay$401KDeferred taxes−$152KOperating cash flow−$820K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026−$820K—−$4.5M−$2.7M$110K$92.7M−$820K
Q2 2026$22.3M——−$2.8M$1.0M−$86.1M$22.3M
Q1 2026$19.4M——−$2.8M—$15.4M$19.4M
Q4 2025$11.8M−$157K$1K−$2.8M$246K$22.6M$11.7M
Q3 2025$2.1M−$363K−$12.5M−$2.8M—−$43.1M$1.8M
Q2 2025$21.7M−$98K−$1.5M−$2.9M$171K$47.0M$21.6M
Q1 2025$7.8M−$180K—−$2.9M—$18.9M$7.6M
Q4 2024$17.5M−$233K−$9K−$2.9M$535K$91.6M$17.2M

RBB Bancorp: income statement and cash flow

RBB Bancorp, Q3 2026: revenue $36.9M (+13% year over year), operating margin 45.6%. The chart follows the revenue to costs, profit and cash.

RBB Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.