CBB Bancorp (CBBI) AI Stock Analysis

• Market Cap: $113.61M
• Dividend Yield: 3.89%
• Average Volume (3M): 3.46K
• Price to Earnings (P/E): 6.5
• Beta (1Y): 0.20
• Revenue Growth: -2.49%
• EPS Growth: -19.48%
• Country: US
• Employees: 166
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.42
• Shares Outstanding: 10,588,136
• 10 Day Avg. Volume: 1,138
• 30 Day Avg. Volume: 3,463
• PEG Ratio: -0.32
• Price to Book (P/B): 0.43
• Price to Sales (P/S): 0.96
• P/FCF Ratio: 1.74
• Enterprise Value/Market Cap: 0.91
• Enterprise Value/Revenue: 0.96
• Enterprise Value/Gross Profit: 1.10
• Enterprise Value/Ebitda: 3.67
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $12.00 ▲(4.44% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is driven primarily by solid fundamentals (healthy balance sheet and improved recent cash generation) and attractive valuation (low P/E and strong dividend yield). These positives are moderated by weakened profitability metrics and bearish technical conditions, with the stock trading below key moving averages and negative momentum indicators.

Positive Factors

Conservative balance sheet

Modest leverage and rising equity (to ~$268.7M) with effectively no reported debt in 2025 provide durable solvency and regulatory resilience. This stronger capital base supports sustained lending capacity, loss absorption and strategic flexibility over the next several quarters.

Negative Factors

Margin compression

Sharp decline in net margins over two years signals weaker profitability per dollar of revenue, likely from mix shifts, higher funding costs or rising operating expenses. Persistent margin pressure would materially reduce the bank's ability to convert growth into durable shareholder returns.

CBB Bancorp Business Overview & Revenue Model

Company Description

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and cert...

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CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and cert...

How the Company Makes Money

CBB Bancorp primarily makes money through its banking subsidiary by earning interest income and generating fee-based (noninterest) income. The largest component is typically net interest income: the bank collects interest on loans and other intere...

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CBB Bancorp primarily makes money through its banking subsidiary by earning interest income and generating fee-based (noninterest) income. The largest component is typically net interest income: the bank collects interest on loans and other intere...

CBB Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	107.51M	120.93M	122.69M	80.26M	93.28M	83.85M
Gross Profit	94.34M	67.26M	71.12M	80.26M	82.18M	78.66M
EBITDA	28.16M	24.91M	31.26M	41.27M	40.14M	39.50M
Net Income	20.12M	17.89M	22.43M	28.86M	27.92M	27.53M
Balance Sheet
Total Assets	1.81B	2.01B	1.82B	1.76B	1.81B	1.81B
Cash, Cash Equivalents and Short-Term Investments	247.31M	10.27M	0.00	301.39M	257.43M	367.32M
Total Debt	0.00	0.00	62.91M	53.94M	55.81M	55.13M
Total Liabilities	1.55B	1.74B	1.57B	1.52B	1.60B	1.62B
Stockholders Equity	261.93M	268.75M	254.97M	235.71M	209.53M	185.24M
Cash Flow
Free Cash Flow	0.00	66.75M	44.28M	51.47M	-42.54M	-91.02M
Operating Cash Flow	0.00	67.90M	44.60M	52.46M	-41.73M	-90.54M
Investing Cash Flow	0.00	-81.55M	-36.90M	105.42M	-36.31M	18.97M
Financing Cash Flow	0.00	172.26M	23.39M	-87.90M	-20.56M	199.96M

CBB Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.49
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBBI, the sentiment is Negative. The current price of 11.49 is above the 20-day moving average (MA) of 10.93, above the 50-day MA of 11.48, and above the 200-day MA of 10.82, indicating a neutral trend. The MACD of -0.19 indicates Negative momentum. The RSI at 39.03 is Neutral, neither overbought nor oversold. The STOCH value of 54.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CBBI.

CBB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBBI	72 Outperform	$113.61M	6.47	6.79%	3.89%	-2.49%	-19.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBFG	66 Neutral	$140.99M	10.15	10.29%	2.69%	10.78%	21.72%
SFBC	65 Neutral	$115.86M	15.59	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$132.56M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.86M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$111.75M	51.05	1.50%	―	-15.09%	―