FFB Bancorp (FFBB) AI Stock Analysis

• Market Cap: $255.54M
• Dividend Yield: N/A
• Average Volume (3M): 3.93K
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.26
• Revenue Growth: 17.81%
• EPS Growth: 0.86%
• Country: US
• Employees: 175
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.95
• Shares Outstanding: 3,120,091
• 10 Day Avg. Volume: 2,557
• 30 Day Avg. Volume: 3,929
• PEG Ratio: 5.07
• Price to Book (P/B): 1.85
• Price to Sales (P/S): 2.68
• P/FCF Ratio: 9.08
• Enterprise Value/Market Cap: 0.94
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $87.00
• Price Target Upside: 6.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: $87.00 ▲(6.42% Upside)

FFB Bancorp's strong financial performance, particularly in revenue growth and profitability, is a key strength. The stock's valuation suggests it is undervalued, providing potential upside. However, technical indicators show neutral momentum, and the lack of dividend yield may deter income-focused investors. The absence of earnings call data and corporate events limits further insights.

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 market accounts, certificates of deposit, and individual retirement accounts. It also provides residential real estate loans, commercial loans, small business loans, commercial real estate and construction loans, agricultural loans and lines of credit, farmer mac loans, and equipment leasing services. In addition, the company offers debit and credit cards; and online and mobile banking, online bill pay, cash management, remote deposit capture, and merchant services; and permanent and FFBridge multifamily financing, and broker resources, as well as business manager solutions. The company was formerly known as Communities First Financial Corporation and changed its name to FFB Bancorp in May 2023. FFB Bancorp was founded in 2005 and is based in Fresno, California.

How the Company Makes Money

FFB Bancorp generates revenue primarily through net interest income, which is the difference between the interest earned on loans and investments and the interest paid on deposits and borrowings. Key revenue streams include interest from mortgage loans, consumer loans, and commercial loans, as well as fees from account services, transactional services, and financial advisory services. The bank may also earn income from investment securities. Additionally, strategic partnerships with local businesses and community organizations enhance customer acquisition and retention, contributing to overall earnings.

FFB Bancorp Financial Statement Overview

Summary

FFB Bancorp exhibits strong financial health with impressive revenue and profit growth, robust profitability margins, balanced leverage, and effective cash management. The debt level is moderate but well-supported by consistent profits and cash flow.

Income Statement

FFB Bancorp has shown a strong growth trajectory with a significant increase in total revenue from 2022 to 2023, resulting in a 37.02% revenue growth rate. The bank maintains high gross and net profit margins of 100% and 41.64% respectively, indicating strong profitability. The EBIT margin stands at 57.38% and the EBITDA margin at 57.71%, which are robust figures for the banking industry.

Balance Sheet

The balance sheet reveals a stable financial structure with a debt-to-equity ratio of 0.56, indicating a moderate level of leverage. The return on equity is an impressive 25.67%, showcasing efficient use of equity to generate profits. The equity ratio is 9.58%, reflecting a strong asset base relative to equity.

Cash Flow

The cash flow statements indicate a healthy cash flow position with a remarkable free cash flow growth rate of 114.92% from 2022 to 2023. The operating cash flow to net income ratio of 1.46 and free cash flow to net income ratio of 1.45 signify strong liquidity and effective cash management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	115.91M	80.58M	58.82M	48.81M	34.52M
Gross Profit	88.23M	80.58M	58.82M	48.81M	34.52M
EBITDA	46.90M	46.50M	36.27M	28.36M	15.87M
Net Income	34.15M	33.56M	26.52M	20.53M	11.51M
Balance Sheet
Total Assets	1.51B	1.36B	1.29B	1.08B	871.90M
Cash, Cash Equivalents and Short-Term Investments	384.41M	387.15M	400.32M	326.22M	236.30M
Total Debt	39.46M	73.60M	104.44M	39.28M	70.13M
Total Liabilities	1.34B	1.23B	1.20B	990.81M	803.35M
Stockholders Equity	168.39M	130.70M	92.36M	89.29M	68.55M
Cash Flow
Free Cash Flow	34.23M	48.64M	22.64M	18.48M	27.15M
Operating Cash Flow	34.40M	48.91M	22.95M	18.74M	27.26M
Investing Cash Flow	-139.52M	-76.28M	-212.70M	-172.11M	-362.45M
Financing Cash Flow	105.94M	33.00M	209.95M	179.75M	313.96M

FFB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 81.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFBB, the sentiment is Positive. The current price of 81.75 is above the 20-day moving average (MA) of 80.65, above the 50-day MA of 79.01, and above the 200-day MA of 81.34, indicating a bullish trend. The MACD of 0.85 indicates Negative momentum. The RSI at 68.92 is Neutral, neither overbought nor oversold. The STOCH value of 95.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFBB.

FFB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PKBK	78 Outperform	259.75M	8.62	9.92%	3.28%	11.26%	42.81%
FFBB	74 Outperform	$255.54M	8.01	20.10%	―	17.81%	0.86%
JMSB	74 Outperform	290.92M	15.29	6.94%	1.47%	23.76%	682.33%
MVBF	73 Outperform	308.10M	18.80	6.57%	2.81%	-10.30%	-16.98%
NWFL	68 Neutral	243.12M	109.77	-0.07%	4.69%	-4.78%	-85.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%