Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
RBB 
RBB Bancorp (RBB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/11/2025: RBB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18.1
1 Year Target Price $18.1
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 42.94% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 328.19M USD | Price to earnings Ratio 15.81 | 1Y Target Price 18.1 |
Price to earnings Ratio 15.81 | 1Y Target Price 18.1 | ||
Volume (30-day avg) 5 | Beta 1.07 | 52 Weeks Range 14.26 - 24.84 | Updated Date 07/12/2025 |
52 Weeks Range 14.26 - 24.84 | Updated Date 07/12/2025 | ||
Dividends yield (FY) 3.72% | Basic EPS (TTM) 1.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.28% | Operating Margin (TTM) 18.06% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 4.09% |
Valuation
Trailing PE 15.81 | Forward PE 12.21 | Enterprise Value 389259968 | Price to Sales(TTM) 3.34 |
Enterprise Value 389259968 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 5.67 | Enterprise Value to EBITDA - | Shares Outstanding 17739900 | Shares Floating 14350127 |
Shares Outstanding 17739900 | Shares Floating 14350127 | ||
Percent Insiders 5.91 | Percent Institutions 48.51 |
Upturn AI SWOT
RBB Bancorp
Company Overview
History and Background
RBB Bancorp was founded in 2008 as Royal Business Bank. It focuses on serving the Asian-American community and small businesses in California, Nevada and New York. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans to small and medium-sized businesses for various purposes, including real estate, equipment, and working capital.
- Retail Banking: Offers traditional retail banking services such as checking accounts, savings accounts, and certificates of deposit.
- Real Estate Lending: Provides loans secured by commercial and residential real estate.
- International Services: Facilitates international trade and remittances, primarily for businesses with ties to Asia.
Leadership and Structure
Alan Thian serves as the CEO and President. The bank has a board of directors responsible for oversight. RBB Bancorp operates with a traditional hierarchical structure for a community bank.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties; No specific market share data readily available. Competitors include other regional banks, credit unions, and national lenders.
- Competitors: Bank of America (BAC),Wells Fargo (WFC),East West Bancorp (EWBC)
- Market Share: Unknown
- Competitors: Live Oak Bancshares (LOB),NewtekOne (NEWT)
- Market Share: Unknown
- SBA Loans: Loans guaranteed by the Small Business Administration; No specific market share data readily available. Competitors include other regional banks specializing in SBA lending.
- Competitors: Rocket Companies (RKT),UWM Holdings Corporation (UWMC)
- Market Share: Unknown
- Residential Mortgages: Mortgages for single-family and multi-family residential properties; No specific market share data readily available. Competitors include national mortgage lenders and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing headwinds from rising interest rates, inflation, and potential economic slowdown. Community banks like RBB Bancorp are navigating these challenges while also facing competition from larger institutions and fintech companies.
Positioning
RBB Bancorp focuses on serving the Asian-American community and small businesses, providing a niche market with culturally relevant financial services. This targeted approach allows for stronger customer relationships and localized decision-making.
Total Addressable Market (TAM)
The TAM for community banking in the US is significant. RBB Bancorp is positioned to capture a portion of this TAM by focusing on the Asian-American market and small business lending.
Upturn SWOT Analysis
Strengths
- Strong presence in the Asian-American community
- Experienced management team
- Relationship-based banking approach
- Solid asset quality
- Strong Capitalization
Weaknesses
- Limited geographic diversification
- Higher cost of deposits compared to some larger banks
- Dependence on specific market segment
- Smaller Scale relative to larger competitors
Opportunities
- Expansion into new markets with significant Asian-American populations
- Increased demand for SBA loans
- Growth in international trade and remittances
- Fintech Partnerships
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- EWBC
- TCBI
- CASH
Competitive Landscape
RBB competes with larger banks for commercial loans and deposits. RBB focuses on its niche customer base to foster customer loyalty.
Major Acquisitions
First National Bank
- Year: 2017
- Acquisition Price (USD millions): 32.7
- Strategic Rationale: Expanded branch network and market presence in Southern California.
Growth Trajectory and Initiatives
Historical Growth: Discuss RBB Bancorp's growth trends over the past years.
Future Projections: Provide projections for RBB Bancorp's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by RBB Bancorp.
Summary
RBB Bancorp is a community bank with a strong niche in the Asian-American market. Its relationship-based banking approach and focus on small businesses provide a competitive advantage. However, its limited geographic diversification and smaller scale present challenges. Navigating rising interest rates and potential economic slowdowns will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, SEC filings, Market Data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About RBB Bancorp
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2017-07-26 | CEO, President & Director Mr. Johnny Lee | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 372 | |
Full time employees 372 | |||
RBB Bancorp operates as the bank holding company for Royal Business Bank that provides various banking products and services to the Chinese-American, Korean-American, and other Asian-American communities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also offers commercial and investor real estate loans; business loans and lines of credit; small business administration loans; trade finance; and single-family residential mortgage loans. In addition, it provides international letters of credit, SWIFT, export advisory, trade finance discount, and foreign exchange services; and remote deposit, e-banking, and mobile banking services, as well as treasury management services. The company serves individuals, businesses, municipalities, and other entities. It operates branches in Los Angeles County, California; Orange County, California; Ventura County, California; Honolulu, Hawaii, as well as in Eastern region with branches in Manhattan, Brooklyn and Queens, New York; Chicago, Illinois; and Edison, New Jersey. RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.