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Upturn AI SWOT - About
RBB 
RBB Bancorp (RBB)
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Upturn Advisory Summary
09/12/2025: 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 $20.4
1 Year Target Price $20.4
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 50.43% | Avg. Invested days 51 | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 332.34M USD | Price to earnings Ratio 14.82 | 1Y Target Price 20.4 |
Price to earnings Ratio 14.82 | 1Y Target Price 20.4 | ||
Volume (30-day avg) 5 | Beta 1.14 | 52 Weeks Range 14.13 - 24.62 | Updated Date 09/14/2025 |
52 Weeks Range 14.13 - 24.62 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 1.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.09% | Operating Margin (TTM) 34.16% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 4.47% |
Valuation
Trailing PE 14.82 | Forward PE 12.21 | Enterprise Value 482219168 | Price to Sales(TTM) 3.34 |
Enterprise Value 482219168 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 5.47 | Enterprise Value to EBITDA - | Shares Outstanding 17250800 | Shares Floating 13847066 |
Shares Outstanding 17250800 | Shares Floating 13847066 | ||
Percent Insiders 6.1 | Percent Institutions 51.15 |
Upturn AI SWOT
RBB Bancorp
Company Overview
History and Background
RBB Bancorp was founded in 2008 and is the holding company for Royal Business Bank. It focuses on serving the Chinese-American community.
Core Business Areas
- Commercial Lending: Providing loans to small and medium-sized businesses, including commercial real estate, working capital, and equipment financing.
- Retail Banking: Offering deposit accounts, online banking, and other retail financial services to individuals and families.
- International Services: Facilitating international trade and offering related financial services to businesses with cross-border operations.
Leadership and Structure
Alan Thian is the Chairman, and David Morris serves as the President and CEO. The company operates under a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available in aggregate. Competitors include East West Bancorp (EWBC) and Cathay General Bancorp (CATY).
- SBA Loans: Loans guaranteed by the Small Business Administration. Market share data is not publicly available. Competitors include regional and community banks that participate in the SBA lending program.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available. Competitors include all banks operating in their geographic footprint.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
RBB Bancorp is a community bank focused on the Chinese-American market. Its competitive advantages include its deep understanding of this niche market and its bilingual staff.
Total Addressable Market (TAM)
The TAM for banking services in the Chinese-American community is substantial and growing. RBB Bancorp is well-positioned to capture a significant portion of this market through its tailored services and community focus.
Upturn SWOT Analysis
Strengths
- Strong focus on the Chinese-American market
- Bilingual staff
- Experienced management team
- Solid financial performance
Weaknesses
- Geographic concentration
- Limited brand recognition outside of its core market
- Smaller size compared to larger competitors
Opportunities
- Expansion into new geographic markets
- Increased demand for bilingual banking services
- Growing Chinese-American population
- Fintech integration
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- EWBC
- CATY
- BOH
- WSBC
Competitive Landscape
RBB Bancorp competes with larger regional and national banks, as well as other community banks serving similar markets. Its advantages lie in its specialization and cultural understanding.
Major Acquisitions
First National Bank of Nevada
- Year: 2017
- Acquisition Price (USD millions): 80.6
- Strategic Rationale: Expanded RBB Bancorp's presence into the Nevada market and diversified its loan portfolio.
Growth Trajectory and Initiatives
Historical Growth: RBB Bancorp has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be driven by continued expansion into new markets and increased penetration of its existing customer base.
Recent Initiatives: Recent initiatives include investments in technology and digital banking platforms.
Summary
RBB Bancorp is a community bank with a strong focus on the Chinese-American market. Its niche focus and bilingual staff are advantages, but its smaller size and geographic concentration pose challenges. Recent technology investments and strategic acquisitions position it for future growth, though competition from larger banks remains a key threat.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual due diligence.
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.
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