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Upturn AI Summary - About
RBB Bancorp(RBB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RBB
10/26/2026: RBB (4-star) is currently NOT-A-BUY. Pass it for now.
RBB Bancorp is a regional bank holding company known for its focus on the Asian-American community and commercial real estate lending. Its main strength lies in its specialized relationship-based model, which has historically supported stable earnings. The primary growth opportunity involves digital service expansion and potential targeted acquisitions. However, the company faces risks related to geographic concentration in California, competition from larger regional banks, and sensitivity to interest rate fluctuations. RBB may suit value and dividend-focused investors looking for steady income, though they should monitor loan quality and regional economic indicators as key developments impacting the company's long-term performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic cycles and niche market saturation rather than rapid, disruptive expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on favorable interest rate environments and positive earnings surprises. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to value investors focused on book value and earnings multiples. |
| Dividend investor | Strong fit | The company maintains a consistent dividend policy, offering steady income potential for shareholders. |
| Low-risk investor | Mixed fit | While established, the bank carries inherent sector-specific risks, including interest rate and credit volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | As a smaller regional bank, the stock can experience significant price swings based on sectoral and interest rate news. |
| Valuation risk | Medium | While often reasonably priced, valuations remain sensitive to earnings growth expectations and the macroeconomic environment. |
| Competition risk (niche banking competition) | High | RBB faces constant competitive pressure from other regional and community banks serving the Asian-American market. |
| Business quality | Medium | The bank possesses a stable core business, though it lacks the diversification of larger, multi-regional financial institutions. |
| Dividend income | Medium | Dividends are subject to the bank's earnings performance and capital allocation priorities. |
| Execution risk | Medium | Successfully integrating acquisitions and maintaining loan quality requires disciplined management execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 74.97% | Avg. Invested days 65 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 447.26M USD | Price to earnings Ratio 10.25 | 1Y Target Price 28.9 |
Price to earnings Ratio 10.25 | 1Y Target Price 28.9 | ||
Volume (30-day avg) 98.5K shares | Beta 1.03 | 52 Weeks Range 17.83 - 28.07 | Updated Date 10/25/2026 |
52 Weeks Range 17.83 - 28.07 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.41% | Basic EPS (TTM) 2.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | This is the primary way RBB makes money, driven by the spread between loan rates and deposit costs. |
| Non-Interest Income | Service charges, deposit fees, and other commissions earned from banking products. | This represents supplemental revenue streams that diversify income beyond interest spreads. |
| Regional Geography (California/US) | Banking services delivered primarily through branches and online in target US markets. | The bank's health is closely tied to the economic performance of Southern California and the broader US economy. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-19 | When After Market | Estimate 0.57 | Actual 0.74 |
Profitability
Profit Margin 33.8% | Operating Margin (TTM) 48.29% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 8.44% |
Valuation
Trailing PE 10.25 | Forward PE 12.21 | Enterprise Value 552.14M | Price to Sales(TTM) 3.42 |
Enterprise Value 552.14M | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 5.33 | Enterprise Value to EBITDA - | Shares Outstanding 16.92M | Shares Floating 15.71M |
Shares Outstanding 16.92M | Shares Floating 15.71M | ||
Percent Insiders 6.4 | Percent Institutions 60.88 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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