CBB Bancorp (CBBI) AI Stock Analysis

CBB Bancorp

(Other OTC:CBBI)

Select Model

Rating:78.5Outperform

Price Target:$15.50▲(11.91% Upside)

Action:reiterated

Date:08/06/26

The score is driven primarily by solid financial fundamentals (improving capital position and strong recent operating/free cash flow) and attractive valuation (low P/E plus a ~3.49% dividend yield). Technicals are supportive with a clear uptrend, though momentum readings are somewhat stretched, while profitability and ROE compression are the key financial watchouts.

Positive Factors

Conservative balance sheetThe 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 compressionSharp 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 (CBBI) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $146.65M
Dividend Yield: 3.61%
Average Volume (3M): 2,364
Price to Earnings (P/E): 7.3
Beta (1Y): 0.13
Revenue Growth: 5.44%
EPS Growth: 5.49%
Country: US
Employees: 178
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 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 bank c...

CBB Bancorp Financial Statement Overview

Summary

Strong multi-year revenue growth and a conservatively positioned balance sheet with steadily rising equity and effectively no reported debt in 2025 support the score. Offsetting this, profitability has weakened meaningfully (net and operating margin compression) and ROE has cooled, while cash flow—despite strong improvement in 2024–2025—has been historically volatile.

Income Statement

74Positive

Balance Sheet

81Very Positive

Cash Flow

68Positive

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 Price13.85

Price Trends

50DMA13.90Negative

100DMA13.46Positive

200DMA12.33Positive

Market Momentum

MACD-0.02Negative

RSI51.87Neutral

STOCH82.84Negative

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 13.85 is above the 20-day moving average (MA) of 13.70, below the 50-day MA of 13.90, and above the 200-day MA of 12.33, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 51.87 is Neutral, neither overbought nor oversold. The STOCH value of 82.84 is Negative, 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
SBFG	80Outperform	$192.94M	11.73	11.57%	2.00%	9.01%	26.10%
CBBI	79Outperform	$148.23M	7.25	7.34%	3.61%	5.44%	5.49%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65Neutral	$115.63M	13.05	7.76%	1.85%	0.49%	26.64%
UNB	63Neutral	$112.91M	8.58	15.07%	6.38%	3.17%	5.55%
BSBK	57Neutral	$116.51M	43.36	1.34%	―	20.94%	444.24%
SRBK	54Neutral	$134.47M	37.73	2.02%	1.14%	9.63%	37.01%

* Financial Sector Average

Performance Comparison

CBBI and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CBBI	CBB Bancorp	13.85	3.32	31.57%
SBFG	SB Financial Group Inc	31.43	11.40	56.89%
UNB	Union Bankshares, Inc.	22.57	0.66	3.04%
SFBC	Sound Financial Bancorp, Inc.	44.23	0.05	0.12%
BSBK	Bogota Financial Corp.	9.28	0.69	8.03%
SRBK	SR Bancorp, Inc.	19.24	4.48	30.39%

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: Aug 06, 2026

CBB Bancorp AI Stock Analysis