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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
10/12/2026: RBB (4-star) is currently NOT-A-BUY. Pass it for now.
RBB Bancorp is a regional bank holding company providing commercial banking services primarily to Asian-American communities across the United States. Its main strengths lie in a relationship-based lending approach and a disciplined focus on niche markets. While the company offers a steady growth opportunity through geographic and digital expansion, it remains exposed to risks such as intense competition from larger regional banks, interest rate volatility, and geographic concentration in California real estate. The stock may best suit value or dividend-focused investors seeking exposure to community banking. Key developments to monitor include credit quality trends in commercial lending and the progress of the company's digital modernization initiatives.
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 steady rather than explosive, tied to regional economic cycles. |
| Momentum investor | Weak fit | The stock often lacks the high-frequency volume or volatility desired by momentum strategies. |
| Value investor | Strong fit | Often trades at reasonable multiples relative to book value and earnings. |
| Dividend investor | Strong fit | Regular dividend payments make it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Banking stocks involve inherent interest rate and credit risks, even for conservative players. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate shifts and macroeconomic news. |
| Valuation risk | Medium | Changes in price-to-book ratios can impact entry and exit timing. |
| Competition risk (niche banking competition) | High | Large competitors like EWBC can leverage greater scale. |
| Business quality | Medium | Reflects the strength of the lending franchise and deposit base. |
| Dividend income | Medium | Depends on earnings stability and regulatory capital requirements. |
| Execution risk | Medium | Success relies on managing credit quality and M&A integration. |
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 10/12/2026 |
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 430.00M USD | Price to earnings Ratio 10.46 | 1Y Target Price 28.3 |
Price to earnings Ratio 10.46 | 1Y Target Price 28.3 | ||
Volume (30-day avg) 93.0K shares | Beta 1.03 | 52 Weeks Range 16.26 - 28.07 | Updated Date 10/12/2026 |
52 Weeks Range 16.26 - 28.07 | Updated Date 10/12/2026 | ||
Dividends yield (FY) 2.47% | Basic EPS (TTM) 2.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank profits primarily from the 'spread' between loan interest and deposit interest. |
| Fee-Based Services | Loan processing fees, deposit account service charges, and other banking activities. | Non-interest income provides a secondary, though smaller, revenue stream. |
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 - |
Profitability
Profit Margin 31.71% | Operating Margin (TTM) 44.79% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 7.93% |
Valuation
Trailing PE 10.46 | Forward PE 12.21 | Enterprise Value 465.78M | Price to Sales(TTM) 3.26 |
Enterprise Value 465.78M | Price to Sales(TTM) 3.26 | ||
Enterprise Value to Revenue 5.75 | Enterprise Value to EBITDA - | Shares Outstanding 16.92M | Shares Floating 15.80M |
Shares Outstanding 16.92M | Shares Floating 15.80M | ||
Percent Insiders 6.37 | Percent Institutions 60.4 |
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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