RBB Bancorp (RBB)vsU.S. Bancorp (USB)
RBB
RBB Bancorp
$26.10
-0.31%
FINANCIAL SERVICES · Cap: $447.26M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 21197% more annual revenue ($27.89B vs $130.94M). RBB leads profitability with a 33.8% profit margin vs 30.0%. RBB trades at a lower P/E of 10.3x. USB earns a higher WallStSmart Score of 73/100 (B).
RBB
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 48.3%
Earnings expanding 25.6% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : RBB
The strongest argument for RBB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.8% and operating margin at 48.3%. Revenue growth of 13.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : RBB
The primary concerns for RBB are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
RBB carries more volatility with a beta of 1.03 — expect wider price swings.
RBB is growing revenue faster at 13.8% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (73/100 vs 67/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
RBB Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
RBB Bancorp is the banking holding company of Royal Business Bank offering various banking products and services to the Sino-American, Korean-American and other Asian-American communities. The company is headquartered in Los Angeles, California.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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