FFB Bancorp (FFBB)
OTHER OTC:FFBB
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FFB Bancorp
(OTC:FFBB)
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Rating:70Outperform
Price Target:
$95.00
▲(12.43% Upside)
Action:Reiterated
Date:04/07/26
The score is driven primarily by solid underlying financial strength—especially conservative leverage and strong cash-to-earnings conversion—tempered by a clear 2025 profitability step-down and slowing growth. Technicals are mixed with only modest trend support, and valuation is not particularly cheap at ~19.8x earnings with no dividend yield data to add support.
Positive Factors
Conservative leverage
FFB’s very low debt-to-equity (~0.21 in 2025) provides a durable capital buffer that reduces solvency and funding risk. Low leverage supports credit extension through cycles, preserves regulatory flexibility, and underpins long-term resilience in stressed macro or rate environments.
Negative Factors
Earnings decline
A large drop in net income signals weakening profitability momentum that may be structural if driven by margin pressure or higher provisions. Persistent earnings shortfalls reduce retained capital, constrain capacity for loan growth or buffers, and limit strategic flexibility mid-term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
FFB’s very low debt-to-equity (~0.21 in 2025) provides a durable capital buffer that reduces solvency and funding risk. Low leverage supports credit extension through cycles, preserves regulatory flexibility, and underpins long-term resilience in stressed macro or rate environments.
Read all positive factors
FFB Bancorp (FFBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$264.61M
Dividend YieldN/A
Average Volume (3M)3.84K
Price to Earnings (P/E)12.7
Beta (1Y)0.25
Revenue Growth-6.04%
EPS Growth-39.01%
CountryUS
Employees175
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.53
Shares Outstanding3,120,091
10 Day Avg. Volume5,878
30 Day Avg. Volume3,836
Financial Highlights & Ratios
PEG Ratio-0.40
Price to Book (P/B)1.38
Price to Sales (P/S)2.34
P/FCF Ratio8.55
Enterprise Value/Market Cap1.01
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FFB Bancorp Business Overview & Revenue Model
Company Description
FFB Bancorp (FFBB) is a financial services holding company based in the United States, primarily engaged in providing a wide range of banking and financial services through its subsidiary, FFB Bank. The company operates in the banking sector, offe...
How the Company Makes Money
FFB Bancorp makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is earned from the spread between interest income on earning assets (such as commercial ...
FFB Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
83
Very Positive
Cash Flow
74
Positive
| 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 | 32.47M | 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 Technical Analysis
Negative
84.50
Price Trends
85.65
Negative
85.94
Negative
84.15
Positive
Market Momentum
-0.26
Negative
36.95
Neutral
0.57
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFBB, the sentiment is Negative. The current price of 84.5 is below the 20-day moving average (MA) of 85.03, below the 50-day MA of 85.65, and above the 200-day MA of 84.15, indicating a neutral trend. The MACD of -0.26 indicates Negative momentum. The RSI at 36.95 is Neutral, neither overbought nor oversold. The STOCH value of 0.57 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FFBB.
FFB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $355.45M | 8.63 | 13.00% | 2.84% | 11.79% | 45.64% | |
77 Outperform | $264.83M | 9.16 | 12.75% | 3.61% | 10.79% | 35.78% | |
72 Outperform | $325.43M | 18.42 | 7.33% | 2.40% | -5.59% | -20.56% | |
70 Outperform | $264.61M | 12.66 | 11.13% | ― | -6.04% | -39.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $356.22M | 7.99 | 11.47% | 3.06% | 9.62% | 1059.18% | |
64 Neutral | $294.04M | 15.32 | 8.74% | 2.13% | 8.94% | 37.42% |
* Financial Sector Average
FFBB
FFB Bancorp
84.80
7.80
10.13%
PKBK
Parke Bancorp
31.19
12.40
66.03%
FRST
Primis Financial
15.00
5.58
59.27%
CHMG
Chemung Financial
71.03
25.54
56.13%
FDBC
Fidelity D & D Bancorp
47.55
8.09
20.50%
ISBA
Isabella Bank
42.18
15.01
55.27%
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.