RBB Bancorp

DB:5SZ Stock Report

Market Cap: €411.0m

RBB Bancorp Valuation

Is 5SZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 5SZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 5SZ (€21.2) is trading below our estimate of fair value (€34.89)

Significantly Below Fair Value: 5SZ is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 5SZ?

Key metric: As 5SZ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 5SZ. This is calculated by dividing 5SZ's market cap by their current earnings.
What is 5SZ's PE Ratio?
PE Ratio12.6x
EarningsUS$34.35m
Market CapUS$428.00m

Price to Earnings Ratio vs Peers

How does 5SZ's PE Ratio compare to its peers?

The above table shows the PE ratio for 5SZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.2x
PCZ ProCredit Holding
4.2x9.9%€450.0m
MBK Merkur PrivatBank KgaA
10x8.6%€107.3m
BTPS Bank BTPN Syariah
8.5x27.8%Rp7.2t
CSTR CapStar Financial Holdings
14xn/aUS$418.4m
5SZ RBB Bancorp
12.6x2.8%€428.0m

Price-To-Earnings vs Peers: 5SZ is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the peer average (9.2x).

Price to Earnings Ratio vs Industry

How does 5SZ's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
5SZ 12.6xIndustry Avg. 7.4xNo. of Companies46PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 5SZ is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the European Banks industry average (7.4x).

Price to Earnings Ratio vs Fair Ratio

What is 5SZ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

5SZ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.6x
Fair PE Ratio8.4x

Price-To-Earnings vs Fair Ratio: 5SZ is expensive based on its Price-To-Earnings Ratio (12.6x) compared to the estimated Fair Price-To-Earnings Ratio (8.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 5SZ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€21.20
€23.27
+9.8%
3.7%€24.22€21.85n/a5
Nov ’25€20.20
€22.38
+10.8%
3.1%€23.12€21.27n/a5
Oct ’25€20.40
€21.23
+4.1%
5.4%€23.49€20.33n/a5
Sep ’25€20.20
€20.34
+0.7%
2.6%€20.61€19.26n/a5
Aug ’25€21.00
€21.00
-0.01%
2.6%€21.28€19.89n/a5
Jul ’25€17.10
€18.60
+8.8%
6.0%€20.57€17.29n/a5
Jun ’25€16.80
€18.60
+10.7%
6.0%€20.57€17.29n/a5
May ’25€16.30
€18.60
+14.1%
6.0%€20.57€17.29n/a5
Apr ’25€16.30
€17.83
+9.4%
3.4%€18.41€17.03n/a4
Mar ’25€15.70
€18.27
+16.4%
2.2%€18.50€17.58n/a4
Feb ’25€16.10
€18.24
+13.3%
2.2%€18.47€17.54n/a4
Jan ’25€17.50
€15.45
-11.7%
17.1%€17.27€10.91n/a4
Dec ’24€13.80
€12.22
-11.5%
8.2%€13.83€11.06n/a4
Nov ’24€10.70
€12.96
+21.1%
14.2%€16.56€11.35€20.205
Oct ’24€12.10
€14.44
+19.3%
8.0%€16.57€13.02€20.405
Sep ’24€12.40
€14.33
+15.6%
6.5%€15.87€13.61€20.205
Aug ’24€13.10
€14.33
+9.4%
6.5%€15.87€13.61€21.005
Jul ’24€11.00
€13.92
+26.5%
5.4%€14.60€12.78€17.104
Jun ’24€9.60
€13.90
+44.8%
5.4%€14.58€12.76€16.804
May ’24€10.90
€13.90
+27.5%
5.4%€14.58€12.76€16.304
Apr ’24€14.10
€19.25
+36.6%
10.1%€21.09€16.50€16.304
Mar ’24€18.30
€20.29
+10.9%
4.1%€21.12€19.28€15.705
Feb ’24€18.20
€20.29
+11.5%
4.1%€21.12€19.28€16.105
Jan ’24€19.30
€24.30
+25.9%
2.6%€24.80€23.31€17.505
Dec ’23€21.20
€24.30
+14.6%
2.6%€24.80€23.31€13.805
Nov ’23€22.40
€24.30
+8.5%
2.6%€24.80€23.31€10.705

Analyst Forecast: Target price is less than 20% higher than the current share price.

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