FFB Bancorp (FFBB) AI Stock Analysis

• Market Cap: $264.90M
• Dividend Yield: N/A
• Average Volume (3M): 3.84K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.26
• Revenue Growth: 11.93%
• EPS Growth: -4.39%
• Country: US
• Employees: 175
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.07
• Shares Outstanding: 3,120,091
• 10 Day Avg. Volume: 5,878
• 30 Day Avg. Volume: 3,836
• PEG Ratio: 5.07
• Price to Book (P/B): 1.85
• Price to Sales (P/S): 2.95
• P/FCF Ratio: 9.08
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 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: 78 Outperform
• Price Target: $96.00 ▲(13.61% Upside)
• Action: Reiterated Date: 10/21/25
• Date: Action: Reiterated 10/21/25

FFB Bancorp's strong financial performance and attractive valuation are the primary drivers of its overall score. The positive technical indicators further support the stock's potential, although caution is advised due to the RSI nearing overbought levels. The lack of earnings call data and corporate events does not detract from the overall assessment.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust demand for FFB Bancorp's services, enhancing its market position and supporting long-term profitability.

Profitability

High profit margins reflect efficient operations and pricing power, contributing to sustained financial health and competitive advantage.

Leverage Management

Prudent leverage management reduces financial risk, ensuring stability and flexibility to invest in growth opportunities.

Negative Factors

Operational Efficiency

Declining operational efficiency may impact profitability, necessitating strategic adjustments to maintain competitive margins.

Cash Flow Conversion

Low cash flow conversion can strain liquidity and limit the ability to reinvest in growth, affecting long-term financial stability.

Free Cash Flow Growth

Declining free cash flow growth may hinder the company's ability to fund operations and strategic initiatives, impacting future growth potential.

FFB Bancorp Business Overview & Revenue Model

Company Description

FFB Bancorp (FFBB) is a financial services holding company based in the United States, primarily engaged in providing a wide range of banking and financial services through its subsidiary, FFB Bank. The company operates in the banking sector, offering consumer and commercial banking products, including checking and savings accounts, loans, mortgages, and investment services. FFB Bancorp is committed to serving both individual and corporate clients, focusing on personalized banking solutions tailored to meet their financial needs.

How the Company Makes Money

FFB Bancorp generates revenue primarily through interest income earned on loans and mortgages extended to customers. The company charges interest on various types of loans, including personal loans, business loans, and home mortgages, which constitutes a significant portion of its earnings. Additionally, FFB Bancorp earns fee income from various banking services, such as account maintenance fees, transaction fees, and service charges on deposit accounts. Investment income from securities and other financial instruments also contributes to the company's revenue. Strategic partnerships with other financial institutions and businesses may further enhance its revenue streams by providing additional financial products and services to its customers.

FFB Bancorp Financial Statement Overview

Summary

FFB Bancorp exhibits strong revenue growth and profitability, supported by effective leverage management. While the company maintains healthy margins, there are signs of operational efficiency pressures. Cash flow conversion from income is an area of concern, despite strong free cash flow relative to net income. Overall, the financial health of FFB Bancorp is solid, with room for improvement in cash flow management.

Income Statement

FFB Bancorp has demonstrated strong revenue growth over the years, with a notable increase of 43.85% in the latest year. The company maintains healthy margins, with a gross profit margin of 76.12% and a net profit margin of 29.46% in the most recent year. However, there is a slight decline in EBIT and EBITDA margins compared to previous years, indicating potential pressure on operational efficiency.

Balance Sheet

The balance sheet shows a solid debt-to-equity ratio of 0.23, indicating prudent leverage management. Return on equity is strong at 20.28%, reflecting effective use of shareholder funds. However, the equity ratio is not provided, which limits a full assessment of asset financing.

Cash Flow

The cash flow statement reveals a decline in free cash flow growth, with a decrease of 29.62% in the latest year. The operating cash flow to net income ratio is low at 0.038, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio remains robust at 99.53%, indicating efficient cash generation relative to net income.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	105.25M	89.70M	61.88M	51.53M	35.81M
Gross Profit	88.23M	78.83M	58.52M	46.81M	31.22M
EBITDA	47.06M	46.50M	36.27M	28.36M	15.87M
Net Income	34.15M	33.56M	26.52M	20.53M	11.51M
Balance Sheet
Total Assets	1.50B	1.36B	1.29B	1.08B	871.90M
Cash, Cash Equivalents and Short-Term Investments	384.41M	387.15M	400.32M	326.22M	236.30M
Total Debt	38.01M	73.60M	104.44M	39.28M	101.13M
Total Liabilities	1.34B	1.23B	1.20B	990.81M	803.35M
Stockholders Equity	168.39M	130.70M	92.36M	89.29M	68.55M
Cash Flow
Free Cash Flow	34.23M	48.64M	28.28M	18.48M	27.15M
Operating Cash Flow	34.40M	48.91M	28.59M	18.74M	27.26M
Investing Cash Flow	-139.52M	-76.28M	-218.34M	-172.11M	-362.45M
Financing Cash Flow	105.94M	33.00M	209.95M	179.75M	313.96M

FFB Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 84.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFBB, the sentiment is Neutral. The current price of 84.5 is below the 20-day moving average (MA) of 86.16, below the 50-day MA of 86.19, and above the 200-day MA of 82.07, indicating a neutral trend. The MACD of -0.33 indicates Positive momentum. The RSI at 37.60 is Neutral, neither overbought nor oversold. The STOCH value of 14.91 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FFBB.

FFB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFBB	78 Outperform	$264.90M	10.81	13.23%	―	11.93%	-4.39%
FDBC	73 Outperform	$244.98M	8.93	12.56%	3.61%	17.97%	68.34%
PKBK	71 Outperform	$324.61M	7.77	12.02%	2.84%	12.91%	21.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	62 Neutral	$315.16M	5.58	15.78%	3.06%	9.90%	―
CHMG	58 Neutral	$256.20M	17.77	6.27%	2.40%	-6.25%	-38.79%
ISBA	57 Neutral	$325.82M	19.67	8.45%	2.13%	7.29%	33.75%