BAB (BABB) AI Stock Analysis

• Market Cap: $6.05M
• Dividend Yield: 4.8%
• Average Volume (3M): 7.20K
• Price to Earnings (P/E): 11.1
• Beta (1Y): -0.03
• Revenue Growth: -3.72%
• EPS Growth: 2.47%
• Country: US
• Employees: 11
• Sector: Technology
• Sector Strength: 81
• Industry: Packaged Foods
• EPS (TTM): 0.07
• Shares Outstanding: 7,264,000
• 10 Day Avg. Volume: 9,234
• 30 Day Avg. Volume: 7,202
• PEG Ratio: -0.37
• Price to Book (P/B): 1.74
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 39.54
• Enterprise Value/Market Cap: 0.64
• Enterprise Value/Revenue: 0.27
• Enterprise Value/Gross Profit: 1.12
• Enterprise Value/Ebitda: 1.39
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: $1.00 ▲(20.48%Upside)

BABB's strong financial performance and attractive valuation are the most significant factors contributing to its overall stock score. The company's robust profitability and cost management, combined with its low P/E ratio and high dividend yield, make it appealing to investors. Technical analysis provides a neutral perspective, indicating stable market conditions without significant bullish or bearish signals.

BAB Business Overview & Revenue Model

Company Description

BABB (Bank Account Based Blockchain) is a fintech company operating in the financial services sector, primarily focusing on leveraging blockchain technology to provide accessible banking solutions. BABB aims to create a decentralized banking platform that offers individuals and businesses a range of financial services, including the ability to create bank accounts, transact in multiple currencies, and participate in peer-to-peer lending. The company seeks to democratize access to financial services, particularly for the unbanked and underbanked populations worldwide.

How the Company Makes Money

BABB generates revenue through a combination of service fees and transactional charges on its platform. The company charges users for creating accounts, executing transactions, and converting currencies. Additionally, BABB may earn income from interest spreads in peer-to-peer lending facilitated on its platform. The platform's focus on low-cost, cross-border transactions also provides opportunities for revenue through partnerships with financial institutions and service providers that seek to extend their reach into new markets using BABB's blockchain infrastructure. The service fees and transaction fees are structured to be competitive, aiming to attract a broad user base and drive volume through the platform.

BAB Financial Statement Overview

Summary

BAB has demonstrated strong financial health across its income statement, balance sheet, and cash flow statements. The company has robust profit margins, effective cost management, and strong equity positions. While there are minor areas to monitor, such as asset fluctuations and cash flow volatility, the overall outlook remains positive with strong potential for sustained growth and profitability.

Income Statement

The company shows a strong gross profit margin close to 100%, indicating efficient cost management. The net profit margin has improved significantly from negative in 2020 to positive in 2025 TTM, reflecting enhanced profitability. Revenue growth has been consistent, with a notable increase from 2020 to 2025. EBIT and EBITDA margins are robust, highlighting operational efficiency. The overall trajectory is positive, showing strong profitability and growth.

Balance Sheet

The balance sheet is solid, with a low debt-to-equity ratio indicating low financial leverage. The return on equity is healthy, suggesting effective use of equity to generate profits. The equity ratio is strong, reflecting a stable financial position with substantial equity backing assets. However, the slight decrease in total assets in recent years indicates a need for monitoring.

Cash Flow

Cash flow performance is solid with consistent free cash flow growth, indicating strong cash generation capabilities. The operating cash flow to net income ratio suggests efficient cash conversion from profits. The free cash flow to net income ratio is also positive, highlighting good cash availability to support operations and investments. However, fluctuations in operating cash flow between years suggest potential volatility.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
3.47M	77.99K	3.51M	3.29M	3.07M	2.37M
	Gross Profit
3.46M	77.99K	3.51M	3.18M	2.09M	1.70M
	EBIT
690.49K	665.29K	614.77K	607.77K	313.57K	233.39K
	EBITDA
706.27K	681.08K	618.58K	612.21K	874.72K	236.95K
	Net Income Common Stockholders
542.96K	525.20K	467.32K	431.99K	651.12K	-66.17K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.00M	2.18M	1.89M	1.62M	1.46M	1.24M
	Total Assets
4.70M	4.84M	4.30M	4.29M	4.46M	4.09M
	Total Debt
363.06K	378.06K	39.82K	153.70K	260.09K	587.40K
	Net Debt
-1.64M	-1.80M	-1.85M	-1.47M	-1.20M	-648.68K
	Total Liabilities
1.46M	1.50M	1.12M	1.22M	1.53M	1.52M
	Stockholders Equity
3.24M	3.34M	3.18M	3.08M	2.93M	2.57M
Cash Flow		Free Cash Flow
548.93K	636.70K	533.19K	135.04K	715.77K	199.64K
	Operating Cash Flow
549.97K	637.75K	534.37K	135.04K	718.30K	212.92K
	Investing Cash Flow
-5.46K	-9.96K	-1.18K	0.00	-2.52K	-13.28K
	Financing Cash Flow
-435.81K	-363.18K	-363.18K	-290.54K	-290.54K	-62.38K

BAB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.83
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BABB, the sentiment is Positive. The current price of 0.83 is below the 20-day moving average (MA) of 0.83, above the 50-day MA of 0.82, and above the 200-day MA of 0.80, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 52.56 is Neutral, neither overbought nor oversold. The STOCH value of 71.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BABB.

BAB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BABB	78 Outperform	$6.05M	11.14	17.04%	4.80%	-3.72%	2.47%
Sector *	62 Neutral	$11.92B	10.03	-7.37%	3.70%	7.32%	-8.25%
SRXH	48 Neutral	$6.53M	―	-2.87%	―	-9.37%	97.75%
SOWG	46 Neutral	$9.44M	6.01	-31.05%	―	-15.45%	-100.03%
STKH	33 Underperform	$1.28M	―	-286.71%	―	―	―

BAB Corporate Events

BAB Inc. Elects Directors and Ratifies Auditor

On May 23, 2025, BAB, Inc. held its annual shareholders meeting where key decisions were made regarding the company’s leadership and auditing processes. Shareholders elected four directors, Michael Evans, Steven Feldman, James Lentz, and Michael Murtaugh, to serve one-year terms. Additionally, the appointment of Sassetti LLC as the independent auditor for the fiscal year ending November 30, 2025, was ratified.