CBB Bancorp (CBBI) AI Stock Analysis

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CBB Bancorp

(Other OTC:CBBI)

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Rating:75Outperform

Price Target:$15.50▲(12.48% Upside)

Action:reiterated

Date:11/07/26

CBBI's score is primarily driven by its deeply discounted valuation and a fortress-like, debt-free balance sheet that generates strong cash flow. While long-term technicals hold solid support levels, the score is capped by notable profitability headwinds and margin compression on the income statement, alongside neutral near-term momentum.

Positive Factors

Revenue GrowthThe substantial increase in revenue over several years indicates expanding business activity and customer demand. Although growth has not been perfectly consistent, the larger revenue base can support greater operating scale, recurring banking relationships, and stronger earnings potential over the next several quarters.

Negative Factors

Margin CompressionThe sharp decline in net margin shows that revenue growth has translated into less profit per dollar of revenue. If the lower-margin profile persists, it could constrain earnings growth, reduce the benefit of further scale, and make results more sensitive to expenses, funding costs, or credit provisions.

CBB Bancorp (CBBI) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $146.65M
Dividend Yield: 3.79%
Average Volume (3M): 1,808
Price to Earnings (P/E): 7.3
Beta (1Y): 0.15
Revenue Growth: 5.44%
EPS Growth: 5.49%
Country: US
Employees: 180
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, money...

How the Company Makes Money

CBB Bancorp primarily makes money through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest the bank collects on interest-earning assets—most import...

CBB Bancorp Financial Statement Overview

Summary

CBB Bancorp features an exceptionally strong, debt-free balance sheet and robust free cash flow generation, earning high marks for stability. However, the overall financial score is dragged down by income statement weakness due to recent profitability headwinds, declining net income, and margin compression.

Income Statement

50Neutral

Balance Sheet

85Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	126.76M	120.93M	122.69M	80.26M	93.28M	83.85M
Gross Profit	71.96M	67.26M	71.12M	80.26M	82.18M	78.66M
EBITDA	27.89M	24.91M	31.26M	41.27M	40.14M	39.50M
Net Income	20.16M	17.89M	22.43M	28.86M	27.92M	27.53M
Balance Sheet
Total Assets	1.92B	2.01B	1.82B	1.76B	1.81B	1.81B
Cash, Cash Equivalents and Short-Term Investments	11.37M	10.27M	330.89M	301.39M	257.43M	367.32M
Total Debt	0	13.11M	62.91M	53.94M	55.81M	55.13M
Total Liabilities	1.64B	1.74B	1.57B	1.52B	1.60B	1.62B
Stockholders Equity	280.40M	268.75M	254.97M	235.71M	209.53M	185.24M
Cash Flow
Free Cash Flow	0	66.75M	44.28M	51.47M	-42.54M	-91.02M
Operating Cash Flow	0	67.90M	44.60M	52.46M	-41.73M	-90.54M
Investing Cash Flow	0	-81.55M	-36.90M	105.42M	-36.31M	18.97M
Financing Cash Flow	0	172.26M	23.39M	-87.90M	-20.56M	199.96M

CBB Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price13.78

Price Trends

50DMA13.75Positive

100DMA13.52Positive

200DMA12.30Positive

Market Momentum

MACD0.01Negative

RSI54.33Neutral

STOCH-17.19Positive

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 13.78 is above the 20-day moving average (MA) of 13.59, above the 50-day MA of 13.75, and above the 200-day MA of 12.30, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 54.33 is Neutral, neither overbought nor oversold. The STOCH value of -17.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBBI.

CBB Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CBBI against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBBI	75Outperform	$146.65M	7.25	7.34%	3.79%	5.44%	5.49%
SBFG	72Outperform	$182.45M	11.10	11.57%	2.15%	8.90%	26.03%
SFBC	70Outperform	$116.92M	13.55	7.76%	1.83%	0.49%	26.58%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	63Neutral	$134.76M	37.23	2.02%	1.16%	9.63%	37.01%
UNB	63Neutral	$112.96M	8.67	15.07%	6.32%	6.11%	5.22%
BSBK	57Neutral	$119.16M	43.86	1.84%	―	20.94%	444.24%

* Financial Sector Average

Performance Comparison

CBBI and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CBBI	CBB Bancorp	13.78	3.58	35.16%
SBFG	SB Financial Group Inc	29.76	10.65	55.72%
UNB	Union Bankshares, Inc.	22.80	2.21	10.73%
SFBC	Sound Financial Bancorp, Inc.	45.95	2.01	4.57%
BSBK	Bogota Financial Corp.	9.39	0.99	11.74%
SRBK	SR Bancorp, Inc.	18.99	4.21	28.52%

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.

Date of analysis: Nov 07, 2026

CBB Bancorp AI Stock Analysis