CBB Bancorp (CBBI) AI Stock Analysis

• Market Cap: $146.12M
• Dividend Yield: 3.62%
• Average Volume (3M): 3.46K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 0.15
• Revenue Growth: 3.76%
• EPS Growth: -2.54%
• Country: US
• Employees: 178
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.86
• 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: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 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: 79 Outperform
• Price Target: $15.50 ▲(14.81% Upside)
• Action: Reiterated
• Date: 08/06/26

Positive Factors

Conservative balance sheet

The bank's materially strengthened capital base and minimal reported debt create a durable buffer to support loan growth and absorb credit shocks. Higher equity improves regulatory flexibility and allows management to expand lending or retain earnings without relying on volatile external funding sources over the medium term.

Negative Factors

Margin compression

Sharp and persistent margin decline reduces the bank's ability to convert revenue into profits and to build retained earnings. If driven by higher funding costs or lower-yielding assets, compressed margins limit capacity to absorb credit losses, constrain dividend capacity, and pressure medium-term profitability.

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 small and midsize businesses in the United States. It offers checking, savings, mon...

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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 small and midsize businesses in the United States. It offers checking, savings, mon...

How the Company Makes Money

CBB Bancorp makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income (fees), offset by operating expenses and credit costs. 1) Net interest income (core earnings driver): The ba...

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CBB Bancorp makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income (fees), offset by operating expenses and credit costs. 1) Net interest income (core earnings driver): The ba...

CBB Bancorp Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	125.17M	120.93M	122.69M	80.26M	93.28M	83.85M
Gross Profit	70.22M	67.26M	71.12M	80.26M	82.18M	78.66M
EBITDA	27.07M	24.91M	31.26M	41.27M	40.14M	39.50M
Net Income	19.61M	17.89M	22.43M	28.86M	27.92M	27.53M
Balance Sheet
Total Assets	1.97B	2.01B	1.82B	1.76B	1.81B	1.81B
Cash, Cash Equivalents and Short-Term Investments	12.09M	10.27M	330.89M	301.39M	257.43M	367.32M
Total Debt	0.00	13.11M	62.91M	53.94M	55.81M	55.13M
Total Liabilities	1.69B	1.74B	1.57B	1.52B	1.60B	1.62B
Stockholders Equity	276.63M	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: Positive
• Last Price: 13.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBBI, the sentiment is Positive. The current price of 13.5 is below the 20-day moving average (MA) of 13.65, above the 50-day MA of 13.16, and above the 200-day MA of 11.53, indicating a bullish trend. The MACD of 0.19 indicates Positive momentum. The RSI at 61.93 is Neutral, neither overbought nor oversold. The STOCH value of 49.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBBI.

CBB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBBI	79 Outperform	$146.12M	7.42	7.24%	3.52%	3.76%	-2.54%
SBFG	78 Outperform	$169.21M	10.28	11.79%	2.42%	9.50%	46.27%
SFBC	72 Outperform	$120.98M	15.19	7.31%	1.78%	-0.53%	27.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	63 Neutral	$144.15M	43.25	1.80%	1.10%	6.46%	1.90%
UNB	60 Neutral	$117.51M	9.00	14.72%	5.81%	10.15%	28.62%
BSBK	58 Neutral	$118.81M	43.93	1.47%	―	21.45%	―