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Upturn AI SWOT - About
RBB 
RBB Bancorp (RBB)
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Upturn Advisory Summary
10/15/2025: RBB (1-star) is currently NOT-A-BUY. Pass it for now.
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 48.87% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 290.33M USD | Price to earnings Ratio 12.95 | 1Y Target Price 20.4 |
Price to earnings Ratio 12.95 | 1Y Target Price 20.4 | ||
Volume (30-day avg) 5 | Beta 1.08 | 52 Weeks Range 14.13 - 24.62 | Updated Date 10/17/2025 |
52 Weeks Range 14.13 - 24.62 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.58% | Basic EPS (TTM) 1.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 0.41 | 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 12.95 | Forward PE 12.21 | Enterprise Value 440213408 | Price to Sales(TTM) 2.91 |
Enterprise Value 440213408 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 5.33 | Enterprise Value to EBITDA - | Shares Outstanding 17250827 | Shares Floating 13847066 |
Shares Outstanding 17250827 | Shares Floating 13847066 | ||
Percent Insiders 6.1 | Percent Institutions 51.16 |
Upturn AI SWOT
RBB Bancorp
Company Overview
History and Background
RBB Bancorp was founded in 2008 and is headquartered in Los Angeles, California. It operates as a community-focused bank, primarily serving the Chinese-American community. Over time, it has grown through organic expansion and acquisitions.
Core Business Areas
- Commercial Lending: Provides loans to businesses, including commercial real estate, working capital, and equipment financing.
- Retail Banking: Offers deposit accounts, personal loans, and other banking services to individuals.
- Real Estate Lending: Focuses on financing for real estate projects, including construction and development.
- International Banking: Facilitates international transactions and banking services for customers with global needs.
Leadership and Structure
Alan Wang serves as the Chairman, and David Morris is the President and CEO. RBB Bancorp has a traditional corporate structure with a board of directors and executive management team overseeing operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: These are loans secured by commercial properties. RBB likely targets small to medium-sized businesses. Market share data isn't publicly available in precise figures. Competitors include East West Bancorp (EWBC), Cathay General Bancorp (CATY), and other regional and national banks.
- Other competitors: East West Bancorp (EWBC),Cathay General Bancorp (CATY)
- Other competitors: Bank of America (BAC),Wells Fargo (WFC)
- Small Business Loans (SBA): RBB provides SBA loans to small businesses. Market share is difficult to determine without specific RBB figures, but this is a competitive segment. Competitors include Bank of America, Wells Fargo, and other community banks.
- Deposit Accounts: Offers a variety of deposit accounts to individuals and businesses. Market share varies by specific region. Competitors include local and national banks, and credit unions.
- Other competitors: JP Morgan Chase (JPM),Citigroup (C)
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and regulatory scrutiny. Community banks like RBB Bancorp must navigate these challenges while maintaining profitability and customer relationships.
Positioning
RBB Bancorp is positioned as a community-focused bank with a strong presence in the Chinese-American market. Its competitive advantages include its local expertise, personalized service, and strong relationships with its customer base.
Total Addressable Market (TAM)
The total addressable market for community banking services in Southern California and other regions with significant Asian-American populations is substantial, estimated to be in the billions of dollars. RBB Bancorp's positioning allows it to capture a portion of this market by focusing on niche customer segments.
Upturn SWOT Analysis
Strengths
- Strong presence in the Chinese-American community
- Experienced management team
- Sound asset quality
- Consistent profitability
- Strong capital base
Weaknesses
- Geographic concentration (primarily in California)
- Limited product diversification
- Higher cost of deposits compared to larger banks
- Sensitivity to interest rate changes
Opportunities
- Expansion into new markets with significant Asian-American populations
- Increased focus on digital banking services
- Strategic acquisitions of other community banks
- Growth in commercial lending activity
Threats
- Increased competition from larger banks and fintech companies
- Economic slowdown in California
- Rising interest rates
- Changes in regulatory requirements
- Credit risk associated with loan portfolio
Competitors and Market Share
Key Competitors
- EWBC
- CATY
- TCBI
Competitive Landscape
RBB Bancorp faces competition from larger national banks and other community banks. Its advantage lies in its niche focus and personalized service, but it must continuously innovate to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires current financial data.
Future Projections: Future growth requires analyst estimates.
Recent Initiatives: Recent initiatives are unavailable without recent news.
Summary
RBB Bancorp is a community bank with a strong niche in the Asian-American market. Its strengths lie in its community focus, experienced management, and solid asset quality. However, it faces challenges from competition, geographic concentration, and interest rate sensitivity. The company should consider diversifying its product offerings and expanding into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Information
- Market Data
- Financial News
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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