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Upturn AI SWOT - About
RBB 
RBB Bancorp (RBB)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 22% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 294.85M USD | Price to earnings Ratio 11.22 | 1Y Target Price 20.4 |
Price to earnings Ratio 11.22 | 1Y Target Price 20.4 | ||
Volume (30-day avg) 31196 | Beta 0.95 | 52 Weeks Range 16.03 - 25.09 | Updated Date 04/1/2025 |
52 Weeks Range 16.03 - 25.09 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.88% | Basic EPS (TTM) 1.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.43% | Operating Margin (TTM) 22.6% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 5.23% |
Valuation
Trailing PE 11.22 | Forward PE 12.21 | Enterprise Value 398664000 | Price to Sales(TTM) 2.81 |
Enterprise Value 398664000 | Price to Sales(TTM) 2.81 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 17730100 | Shares Floating 14523983 |
Shares Outstanding 17730100 | Shares Floating 14523983 | ||
Percent Insiders 9.12 | Percent Institutions 48.97 |
Analyst Ratings
Rating 3 | Target Price 23.9 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
RBB Bancorp
Company Overview
History and Background
RBB Bancorp, founded in 2008, is the holding company for Royal Business Bank. It primarily serves the Chinese-American community in the greater Los Angeles area, with expansions to other areas. It focuses on providing financial services tailored to small and medium-sized businesses.
Core Business Areas
- Commercial Lending: Offers a variety of commercial loan products, including real estate loans, commercial and industrial loans, and SBA loans.
- Retail Banking: Provides deposit accounts, online banking, and other retail banking services to individuals and businesses.
- International Services: Offers services related to international trade finance, including letters of credit and foreign exchange.
Leadership and Structure
Alan Thian serves as the President and CEO. The organizational structure includes various departments such as lending, operations, and finance, overseen by senior management and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: RBB's CRE loan portfolio constitutes a significant portion of its assets. Market share is concentrated in Southern California's Chinese-American business community. Competitors include East West Bancorp and Cathay General Bancorp. Revenue data is not publicly available at the product level.
- SBA Loans: RBB is an active participant in the SBA loan program. Market share information for this specific segment is not readily available. Competitors include regional and national banks that also offer SBA loans. Revenue data is not publicly available at the product level.
- Commercial and Industrial (C&I) Loans: Provides working capital to businesses. Market Share data isn't provided publicly. Large banks are competitors.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is an ongoing trend.
Positioning
RBB Bancorp is positioned as a community bank with a focus on the Chinese-American market. Its competitive advantages include cultural understanding and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is substantial, estimated in the billions of dollars. RBB Bancorp, with its niche focus, captures a segment of this market, with significant growth potential in expanding into new market areas.
Upturn SWOT Analysis
Strengths
- Strong presence in the Chinese-American community
- Experienced management team
- Good asset quality
- Profitable operations
Weaknesses
- Geographic concentration in Southern California
- Limited product diversification
- Smaller scale compared to larger regional banks
Opportunities
- Expansion into new markets with significant Asian-American populations
- Increased adoption of digital banking technologies
- Potential acquisitions of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in Southern California
- Regulatory changes
Competitors and Market Share
Key Competitors
- EWBC
- CATH
- UMPQ
Competitive Landscape
RBB Bancorp's advantage is its specialization in the Chinese-American market. Disadvantages include its smaller size and geographic concentration compared to larger regional banks.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: RBB Bancorp has experienced steady growth in assets and earnings over the past years.
Future Projections: Analysts project continued growth in the coming years, driven by expansion and organic growth.
Recent Initiatives: Recent initiatives include expanding its digital banking platform and exploring new lending opportunities.
Summary
RBB Bancorp is a relatively strong community bank benefiting from its specialization and geographic focus. It is profitable and has experienced steady growth. However, it should be mindful of its small size, concentration risks, and increasing competition. Strategic expansion and investment in technology are crucial for long-term success.
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EWBC
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Sources and Disclaimers
Data Sources:
- Company filings (SEC), Analyst reports, Industry publications, Company Website
Disclaimers:
This analysis is based on publicly available information and analyst estimates, which are subject to change. This is not financial advice.
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 & Director Mr. David Richard Morris | ||
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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