FFB Bancorp (FFBB) AI Stock Analysis

FFB Bancorp

(Other OTC:FFBB)

Select Model

Rating:75.6Outperform

Price Target:$99.00▲(12.63% Upside)

Action:reiterated

Date:08/04/26

The score is driven primarily by solid financial fundamentals—especially conservative leverage and strong cash-to-earnings conversion—partly offset by the notable 2025 profitability decline and slowing growth. Technicals add moderate support with price trading above key moving averages and positive (but not stretched) momentum. Valuation appears reasonable at ~13.4x earnings, though the lack of dividend yield data limits additional upside in the valuation component.

Positive Factors

Conservative balance sheetLow leverage (debt-to-equity ~0.21 in 2025) provides durable financial flexibility and resilience. It reduces refinancing and interest-rate stress, preserves regulatory and lending capacity, and supports steady credit extension and capital allocation over the next several quarters.

Negative Factors

Material profitability declineA sharp drop in net income and margin compression meaningfully reduces retained earnings and the pace of capital accumulation. Persisting lower profitability could constrain lending capacity, capital returns, and strategic investments, lowering financial flexibility over the medium term.

FFB Bancorp (FFBB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $250.19M
Dividend Yield: ―
Average Volume (3M): 1,931
Price to Earnings (P/E): 14.3
Beta (1Y): 0.29
Revenue Growth: -7.42%
EPS Growth: -36.38%
Country: US
Employees: 189
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

FFB Bancorp Business Overview & Revenue Model

Company Description

FFB Bancorp operates as a bank holding company for FFB Bank that provides various banking products and services for individuals and small and middle-market businesses in the United States. The company offers checking and savings accounts, money marke...

How the Company Makes Money

FFB Bancorp primarily makes money through its bank subsidiary by earning interest income on loans and investments and paying interest on deposits and other funding sources, with the difference between these (net interest income) representing a key ea...

FFB Bancorp Financial Statement Overview

Summary

Strong balance sheet positioning (low leverage with 2025 debt-to-equity ~0.21 and a steady equity base) and solid earnings quality (free cash flow to net income ~0.99). Offsetting this, revenue growth slowed in 2025 and profitability stepped down materially (net income fell from ~$34.1M in 2024 to ~$23.6M in 2025; net margin compressed), which weakens earnings momentum.

Income Statement

72Positive

Balance Sheet

83Very Positive

Cash Flow

74Positive

Financial statement breakdown
Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	108.96M	105.25M	89.70M	61.88M	51.53M
Gross Profit	84.47M	88.23M	78.83M	58.52M	46.81M
EBITDA	32.71M	47.06M	46.50M	36.27M	28.36M
Net Income	23.58M	34.15M	33.56M	26.52M	20.53M
Balance Sheet
Total Assets	1.58B	1.50B	1.36B	1.29B	1.08B
Cash, Cash Equivalents and Short-Term Investments	25.82M	384.41M	387.15M	400.32M	326.22M
Total Debt	38.15M	38.01M	73.60M	104.44M	39.28M
Total Liabilities	1.40B	1.34B	1.23B	1.20B	990.81M
Stockholders Equity	184.79M	168.39M	130.70M	92.36M	89.29M
Cash Flow
Free Cash Flow	29.79M	34.23M	48.64M	28.28M	18.48M
Operating Cash Flow	30.07M	34.40M	48.91M	28.59M	18.74M
Investing Cash Flow	-40.48M	-139.52M	-76.28M	-218.34M	-172.11M
Financing Cash Flow	45.27M	105.94M	33.00M	209.95M	179.75M

FFB Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

FFBB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ISBA	80Outperform	$302.41M	13.62	8.89%	2.83%	11.39%	16.46%
FDBC	77Outperform	$382.32M	11.86	13.08%	2.61%	8.41%	22.29%
FFBB	76Outperform	$250.11M	14.34	9.85%	―	-7.42%	-36.38%
PKBK	75Outperform	$383.19M	8.08	13.90%	2.33%	8.56%	40.25%
CHMG	70Outperform	$417.55M	10.82	14.49%	1.60%	18.42%	190.13%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	63Neutral	$365.29M	6.61	12.78%	2.72%	17.42%	538.62%

* Financial Sector Average

Performance Comparison

FFBB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
FFBB	Ffb Bancorp	87.90	4.60	5.52%
PKBK	Parke Bancorp	32.58	11.48	54.39%
FRST	Primis Financial Corp.	14.73	4.31	41.40%
CHMG	Chemung Financial Corp	86.27	36.37	72.87%
FDBC	Fidelity D & D Bancorp	65.82	23.69	56.23%
ISBA	Isabella Bank Corporation	39.64	2.34	6.28%

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 04, 2026

FFB Bancorp AI Stock Analysis