RBB Bancorp (RBB) Cash Flow: Operating & Free Cash Flow

RBB Bancorp (RBB) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), RBB Bancorp generated $43.39M of operating cash flow and spent $798.00K on capital expenditures. That left free cash flow of $42.59M, down 26.2% from $57.71M a year earlier, or 17.9% of revenue. It returned $25.51M to shareholders through $11.26M in dividends and $14.25M in share buybacks.

RBB Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for RBB Bancorp (RBB) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	31.95	26.67	42.47	64.33	56.91	32.93	39.21	36.11	25.53
Depreciation & Amortization	3.68	9.25	9.63	11.02	13.54	7.82	6.77	5.14	2.37
Deferred Income Tax	1.46	-1.58	1.34	-1.20	-0.06	-2.02	2.40	0.26	5.40
Stock Based Compensation	1.74	1.36	0.75	0.85	1.09	0.69	0.69	0.68	0.78
Change in Working Capital	-6.69	-6.32	-6.14	-6.22	-6.13	-0.77	-0.78	-0.80	-0.82
Change in Other Working Capital	-6.69	25.13	5.71	23.18	-6.13	-0.77	-0.78	-0.80	-0.82
Other Operating Activities	-14.22	25.13	5.71	23.18	136.83	85.87	428.17	-126.04	-4.47
Net Cash from Operating Activities	43.39	58.50	51.29	93.81	202.18	124.51	476.47	-84.65	28.78
Investing Activities
Capital Expenditures	-0.80	-0.79	-0.65	-2.07	-1.99	-4.21	-1.35	-2.49	-0.68
Acquisitions	0.00	0.00	0.00	71.35	0.00	6.63	0.00	25.07	0.00
Purchases of Investments	-267.97	-417.92	-694.97	-402.88	-604.60	-551.44	-199.98	-76.08	-39.48
Sales/Maturities of Investments	287.47	316.64	641.49	486.30	442.96	467.39	149.27	108.60	5.45
Other Investing Activities	-3.77	-2.53	-0.28	-412.87	-340.55	-364.39	-167.29	-377.49	-229.73
Net Cash from Investing Activities	-260.18	-160.39	243.31	-260.17	-504.18	-446.01	-219.35	-322.39	-264.45
Financing Activities
Debt Repayment	-240.00	50.00	-205.00	-500.00	68.11	150.00	-319.50	224.02	25.00
Common Stock Issued	0.42	1.84	0.30	0.00	0.00	0.00	0.00	9.63	60.21
Common Stock Repurchased	-14.25	-20.68	-6.80	-19.82	-10.54	-7.85	-3.19	0.00	0.00
Dividends Paid	-11.26	-11.72	-12.16	-10.74	-9.95	-6.57	-8.03	-5.75	-5.12
Other Financing Activities	266.19	-0.11	197.19	-483.91	754.10	198.80	107.69	186.41	186.91
Net Cash from Financing Activities	171.36	-71.74	53.22	-444.47	801.72	334.38	-223.04	404.68	267.00
Summary
Net Change in Cash	-45.43	-173.63	347.83	-610.82	499.72	12.89	34.08	-2.36	31.34
Cash at Beginning of Period	257.75	431.37	83.55	694.37	194.65	181.76	147.69	150.05	118.71
Cash at End of Period	212.32	257.75	431.37	83.55	694.37	194.65	181.76	147.69	150.05
Free Cash Flow	42.59	57.71	50.64	91.75	200.19	120.31	475.12	-87.14	28.10
Supplemental Disclosures
Interest Paid	-	120.92	93.72	29.73	22.51	-	-	-	-
Income Taxes Paid	-	6.23	21.39	24.02	25.79	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About RBB Bancorp Cash Flow

What is RBB Bancorp's free cash flow?

RBB Bancorp generated free cash flow of $42.59M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $43.39M minus $798.00K of capital expenditures. That was down 26.2% from $57.71M a year earlier. Free cash flow equaled 17.9% of revenue.

How much does RBB Bancorp spend on capital expenditures?

RBB Bancorp spent $798.00K on capital expenditures in fiscal 2025, compared with $788.00K a year earlier. That equals 1.8% of operating cash flow.

Does RBB Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 RBB Bancorp returned $11.26M in dividends and $14.25M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition