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FFB Bancorp
(OTC:FFBB)
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Rating:76Outperform
Price Target:
$99.00
▲(12.82% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid financial fundamentals—especially conservative leverage and strong cash-to-earnings conversion—partly offset by the notable 2025 profitability decline and slowing growth. Technicals add moderate support with price trading above key moving averages and positive (but not stretched) momentum. Valuation appears reasonable at ~13.4x earnings, though the lack of dividend yield data limits additional upside in the valuation component.
Positive Factors
Conservative balance sheet
Low leverage (debt-to-equity ~0.21 in 2025) provides durable financial flexibility and resilience. It reduces refinancing and interest-rate stress, preserves regulatory and lending capacity, and supports steady credit extension and capital allocation over the next several quarters.
Negative Factors
Material profitability decline
A sharp drop in net income and margin compression meaningfully reduces retained earnings and the pace of capital accumulation. Persisting lower profitability could constrain lending capacity, capital returns, and strategic investments, lowering financial flexibility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage (debt-to-equity ~0.21 in 2025) provides durable financial flexibility and resilience. It reduces refinancing and interest-rate stress, preserves regulatory and lending capacity, and supports steady credit extension and capital allocation over the next several quarters.
Read all positive factors
FFB Bancorp (FFBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$274.88M
Dividend YieldN/A
Average Volume (3M)3.84K
Price to Earnings (P/E)13.4
Beta (1Y)0.26
Revenue Growth-10.05%
EPS Growth-35.87%
CountryUS
Employees191
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.88
Shares Outstanding3,120,091
10 Day Avg. Volume5,878
30 Day Avg. Volume3,836
Financial Highlights & Ratios
PEG Ratio-0.40
Price to Book (P/B)1.38
Price to Sales (P/S)2.34
P/FCF Ratio8.55
Enterprise Value/Market Cap<0.01
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FFB Bancorp Business Overview & Revenue Model
Company Description
FFB Bancorp operates as a bank holding company for FFB Bank that provides various banking products and services for individuals and small and middle-market businesses in the United States. The company offers checking and savings accounts, money ma...
How the Company Makes Money
FFB Bancorp primarily makes money through its bank subsidiary by earning interest income on loans and investments and paying interest on deposits and other funding sources, with the difference between these (net interest income) representing a key...
FFB Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
83
Very Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 108.96M | 105.25M | 89.70M | 61.88M | 51.53M |
| Gross Profit | 84.47M | 88.23M | 78.83M | 58.52M | 46.81M |
| EBITDA | 32.71M | 47.06M | 46.50M | 36.27M | 28.36M |
| Net Income | 23.58M | 34.15M | 33.56M | 26.52M | 20.53M |
Balance Sheet | |||||
| Total Assets | 1.58B | 1.50B | 1.36B | 1.29B | 1.08B |
| Cash, Cash Equivalents and Short-Term Investments | 25.82M | 384.41M | 387.15M | 400.32M | 326.22M |
| Total Debt | 38.15M | 38.01M | 73.60M | 104.44M | 39.28M |
| Total Liabilities | 1.40B | 1.34B | 1.23B | 1.20B | 990.81M |
| Stockholders Equity | 184.79M | 168.39M | 130.70M | 92.36M | 89.29M |
Cash Flow | |||||
| Free Cash Flow | 29.79M | 34.23M | 48.64M | 28.28M | 18.48M |
| Operating Cash Flow | 30.07M | 34.40M | 48.91M | 28.59M | 18.74M |
| Investing Cash Flow | -40.48M | -139.52M | -76.28M | -218.34M | -172.11M |
| Financing Cash Flow | 45.27M | 105.94M | 33.00M | 209.95M | 179.75M |
FFB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $320.51M | 10.56 | 12.67% | 3.28% | 8.67% | 27.93% | |
76 Outperform | $274.88M | 13.44 | 11.13% | ― | -10.05% | -35.87% | |
74 Outperform | $402.79M | 12.09 | 12.98% | 1.68% | 18.42% | 190.13% | |
71 Outperform | $413.18M | 9.03 | 13.87% | 2.23% | 10.63% | 49.94% | |
68 Neutral | $318.66M | 15.29 | 8.48% | 2.86% | 11.11% | 24.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $413.40M | 7.71 | 12.24% | 3.06% | 13.18% | 1682.10% |
* Financial Sector Average
FFBB
FFB Bancorp
88.00
10.50
13.55%
PKBK
Parke Bancorp
35.13
14.32
68.83%
FRST
Primis Financial
16.66
5.89
54.73%
CHMG
Chemung Financial
83.92
34.18
68.73%
FDBC
Fidelity D & D Bancorp
55.74
16.32
41.40%
ISBA
Isabella Bank
41.60
9.95
31.45%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.