FFB Bancorp (FFBB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
FFB Bancorp (FFBB) trades at $86.10 with AI Score 50/100 (Grade B). FFB Bancorp operates as a bank holding company for FFB Bank, providing a comprehensive range of banking products and services to individuals and small to middle-market businesses across the United States. Market cap: $268.64M, Sector: Financial services.
Price live · AI analysis from Jun 15, 2026Analyst Coverage for FFBB: FFBB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FFBB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FFBB: the 1 perspectives are evenly split.
How is this calculated? →FFB Bancorp (FFBB) Financial Services Profile
FFB Bancorp, established in 2005 and headquartered in Fresno, California, operates as a regional bank holding company. It delivers a comprehensive suite of banking products and services, including diverse loan offerings and digital solutions, catering to individuals and small to middle-market businesses across the United States, positioning itself within the competitive financial services sector.
What Is the Investment Thesis for FFBB?
FFB Bancorp operates as a regional bank holding company with a diversified revenue stream derived from a broad array of banking products and services for individuals and small to middle-market businesses. The company's financial profile indicates a market capitalization of $268.64M, a P/E ratio of 12.7, a robust profit margin of 19.2%, and an impressive gross margin of 79.0%. Its low beta of 0.28 suggests relatively stable performance compared to the broader market. Key value drivers include its specialized lending programs, such as agricultural and multifamily financing, which cater to specific market niches. Growth catalysts are anticipated from continued expansion of its digital banking services, enhancing customer convenience and operational efficiency, and deepening its penetration within its target small and middle-market business segments. The company's focus on a comprehensive suite of services, from traditional deposits to advanced cash management, positions it to capture a larger share of its regional market. Potential risks include sensitivity to interest rate fluctuations and regional economic downturns affecting loan demand and asset quality.
Based on FMP financials and quantitative analysis
FFBB Key Highlights
- Market capitalization stands at $0.26 billion, indicating its scale within the regional banking sector.
- The company maintains a P/E ratio of 12.7, reflecting its earnings valuation relative to its stock price.
- FFB Bancorp reported a profit margin of 19.2%, demonstrating its efficiency in converting revenue into net income.
- A gross margin of 79.0% highlights strong profitability from its core banking operations before operating expenses.
- With a Beta of 0.28, the stock exhibits lower volatility compared to the overall market, suggesting relative stability.
Who Are FFBB's Competitors?
FFBB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FFBB's Key Strengths?
- Diversified product offerings, including specialized agricultural and multifamily loans, catering to a broad customer base.
- Strong gross margin of 79.0% and profit margin of 19.2% indicate efficient operations and profitability.
- Established presence since 2005 in Fresno, California, fostering local community trust and relationships.
- Comprehensive digital banking and business solutions, enhancing customer convenience and operational efficiency.
What Are FFBB's Weaknesses?
- Relatively small market capitalization of $268.64M, potentially limiting access to capital markets compared to larger banks.
- No dividend yield, which may not appeal to income-focused investors.
- Reliance on regional economic conditions, making it susceptible to local downturns.
- Disclosure status on OTC market is 'Unknown', which can deter some institutional investors.
What Could Drive FFBB Stock Higher?
- **Expansion of Digital Banking Offerings:** Continuous enhancement and adoption of online and mobile banking, remote deposit capture, and online bill pay could attract new customers and improve operational efficiency.
- **Growth in Specialized Lending Segments:** Increased demand and successful origination of agricultural loans, Farmer Mac loans, and multifamily financing could drive net interest income growth.
- **Strategic Market Penetration:** Focused efforts to deepen presence in existing regional markets or expand into new, underserved areas, potentially through new branch openings or partnerships, could lead to deposit and loan growth.
- **Enhancement of Business Services:** Development and uptake of advanced cash management and merchant services could attract more small and middle-market business clients, increasing fee income.
What Are the Key Risks for FFBB?
- **Interest Rate Sensitivity:** As a regional bank, FFB Bancorp's net interest margin is susceptible to fluctuations in interest rates, which can impact profitability if not managed effectively.
- **Regional Economic Downturns:** A significant economic contraction in its primary operating regions, particularly affecting the agricultural or real estate sectors, could lead to increased loan defaults and reduced loan demand.
- **Competitive Pressures:** Intense competition from larger national banks, other regional institutions, and emerging fintech companies could pressure loan pricing and deposit costs.
- **Regulatory Compliance Costs:** Evolving banking regulations and compliance requirements could increase operational expenses and constrain growth initiatives.
- **Liquidity and Disclosure Risks of OTC Trading:** Trading on the 'OTC Other' tier with 'Unknown' disclosure status presents risks related to limited transparency, lower liquidity, and potential price volatility for investors.
What Are the Growth Opportunities for FFBB?
- Growth opportunity 1: **Expansion of Digital Banking and Fintech Integration** The market for digital banking services continues to expand rapidly, driven by consumer demand for convenience and efficiency. FFB Bancorp already offers online and mobile banking, remote deposit capture, and online bill pay. Further investment in enhancing these platforms, integrating advanced fintech solutions like AI-driven customer service or personalized financial planning tools, could attract a younger, tech-savvy demographic and improve customer retention. This could lead to increased transaction volumes and cross-selling opportunities, expanding its customer base beyond traditional branch-dependent clients. The global digital banking market is projected to grow significantly over the next five years.
- Growth opportunity 2: **Deepening Commercial and Small Business Lending Penetration** FFB Bancorp's focus on small and middle-market businesses presents a substantial growth avenue. These businesses often seek more personalized service and flexible lending terms than larger corporations. By strengthening relationships with local businesses, offering specialized advisory services, and developing innovative loan products tailored to specific industry needs, FFB Bancorp can increase its market share in commercial and small business loans. This segment is crucial for regional economic development and offers opportunities for higher-yield loans compared to some consumer products, contributing to net interest income growth.
- Growth opportunity 3: **Strategic Expansion in Agricultural and Multifamily Financing** The company's existing offerings in agricultural loans, Farmer Mac loans, and permanent/FFBridge multifamily financing represent specialized niches with consistent demand. By leveraging its expertise and established relationships in these sectors, FFB Bancorp can strategically expand its lending volume. The agricultural sector, while cyclical, requires specialized financial products, and the multifamily housing market continues to be a significant area for investment. Focusing marketing and outreach efforts on these specific segments, potentially expanding into adjacent geographic areas with similar economic profiles, could drive substantial asset growth and diversify its loan portfolio.
- Growth opportunity 4: **Enhancement of Cash Management and Merchant Services** For small and middle-market businesses, efficient cash management and merchant services are critical for daily operations. FFB Bancorp's current offerings in these areas provide a foundation for growth. By developing more sophisticated, integrated cash management platforms that offer advanced analytics, fraud protection, and seamless integration with business accounting systems, the bank can attract and retain more commercial clients. Expanding merchant services to include a wider range of payment processing solutions and point-of-sale systems can create sticky customer relationships and generate recurring fee income, bolstering non-interest revenue streams.
- Growth opportunity 5: **Geographic Market Penetration and Local Community Engagement** While serving the "United States," FFB Bancorp is based in Fresno, California, implying a regional focus. Opportunities exist to deepen its presence within its existing operational areas and strategically expand into underserved or growing adjacent markets. This could involve opening new branches in high-growth communities, establishing loan production offices, or forming partnerships with local businesses and community organizations. A strong local presence and community engagement can foster trust, attract new customers through word-of-mouth referrals, and create a competitive advantage against larger, more impersonal financial institutions, driving organic growth in deposits and loans.
What Opportunities Does FFBB Have?
- Expansion of digital banking services to attract a younger, tech-savvy demographic and improve customer retention.
- Deepening penetration in the small and middle-market business segments through tailored lending and cash management solutions.
- Strategic growth in specialized lending areas like agricultural and multifamily financing by leveraging existing expertise.
- Potential for organic growth by expanding into underserved or growing adjacent regional markets.
What Threats Does FFBB Face?
- Intense competition from larger national banks, other regional banks, credit unions, and emerging fintech companies.
- Sensitivity to interest rate fluctuations, which can impact net interest margin and profitability.
- Economic downturns or specific challenges in the agricultural or real estate sectors could affect loan quality and demand.
- Increased regulatory burden and compliance costs, particularly for regional banks.
What Are FFBB's Competitive Advantages?
- **Regional Focus and Local Expertise:** Deep understanding of the local economic landscape and community needs, fostering stronger customer relationships than larger, more impersonal banks.
- **Diversified Loan Portfolio:** Offers a broad range of specialized loans, including agricultural and multifamily financing, catering to specific market niches that may be underserved by competitors.
- **Personalized Customer Service:** As a regional bank, it can often provide more tailored and responsive service, building loyalty among individuals and small businesses.
- **Established Community Presence:** Founded in 2005, it has built a reputation and trust within its operational areas, which is crucial in the banking sector.
- **Comprehensive Business Solutions:** Provides a full suite of business services, from commercial loans to cash management and merchant services, making it a one-stop shop for local enterprises.
What Does FFBB Do?
FFB Bancorp, founded in 2005 and based in Fresno, California, functions as a bank holding company for FFB Bank, a regional financial institution serving a broad client base across the United States. The company's core mission revolves around providing essential banking products and services tailored for individuals, as well as small and middle-market businesses. Its product portfolio is extensive, encompassing traditional deposit accounts such as checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts, designed to meet various personal and business savings needs. On the lending side, FFB Bancorp offers a diverse array of credit solutions. These include residential real estate loans for individual homeowners, commercial loans and small business loans to support local enterprises, and commercial real estate and construction loans for development projects. Furthermore, the bank has a specialized focus on the agricultural sector, providing agricultural loans and lines of credit, as well as Farmer Mac loans, catering to the unique financial requirements of farmers and agribusinesses. The company also extends into equipment leasing services, offering flexible financing options for businesses acquiring necessary assets. Beyond traditional banking, FFB Bancorp integrates modern financial technologies into its service offerings. This includes debit and credit cards, online and mobile banking platforms for convenient access, online bill pay, and sophisticated cash management solutions for businesses. Remote deposit capture and merchant services further enhance its business-centric offerings, streamlining financial operations for its commercial clients. Additionally, the company provides permanent and FFBridge multifamily financing, alongside broker resources and business manager solutions, demonstrating a commitment to comprehensive financial support. Formerly known as Communities First Financial Corporation, the company underwent a name change to FFB Bancorp in May 2023, reflecting its evolving brand identity and strategic direction within the financial services landscape.
What Products and Services Does FFBB Offer?
- Operates as a bank holding company for FFB Bank, providing diverse financial services.
- Offers various deposit accounts including checking, savings, money market, CDs, and IRAs.
- Provides residential real estate loans for individual homeowners.
- Extends commercial loans, small business loans, and commercial real estate/construction loans.
- Specializes in agricultural loans, lines of credit, and Farmer Mac loans for the farming community.
- Offers equipment leasing services for businesses acquiring necessary assets.
- Provides modern digital banking solutions, including online and mobile banking, and online bill pay.
- Delivers cash management, remote deposit capture, and merchant services for business clients.
How Does FFBB Make Money?
- Generates net interest income primarily from loans (residential, commercial, agricultural, multifamily) and investments, funded by customer deposits.
- Earns non-interest income through fees from services such as debit/credit cards, cash management, merchant services, and equipment leasing.
- Attracts and retains customer deposits by offering various account types, which serve as a low-cost funding source for lending activities.
- Provides specialized financing solutions like Farmer Mac loans and FFBridge multifamily financing, catering to specific market segments for targeted revenue generation.
What Industry Does FFBB Operate In?
FFB Bancorp operates within the highly competitive Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by a focus on local and regional economies, providing tailored financial solutions to individuals and small to middle-market businesses. Regional banks like FFB Bancorp often differentiate themselves through personalized customer service, community engagement, and specialized lending products that larger national banks may not prioritize. Current market trends include an increasing demand for digital banking solutions, consolidation among smaller institutions, and evolving regulatory landscapes. FFB Bancorp's comprehensive offerings, including diverse loan types and digital services, position it to compete by serving specific niches, such as agricultural and multifamily financing, within its geographic reach. The competitive landscape includes other regional banks, credit unions, and to a lesser extent, larger national banks and emerging fintech companies.
Who Are FFBB's Key Customers?
- Individuals seeking checking, savings, money market, CD, and IRA accounts, as well as residential real estate loans.
- Small and middle-market businesses requiring commercial loans, small business loans, commercial real estate/construction loans, cash management, and merchant services.
- Agricultural businesses and farmers in need of specialized agricultural loans, lines of credit, and Farmer Mac loans.
- Real estate developers and investors seeking permanent and FFBridge multifamily financing solutions.
Company Profile
FFB Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fresno, US. The company is led by CEO Steven Kenneth Miller. FFBB has traded publicly since 2007.
FFBB Valuation & Market Position
With a $268.64M market cap, FFB Bancorp sits in the micro-cap segment of the market. Relative to its peer group, FFBB's quantitative score of 50/100 is below the peer average of 68/100.
ROE 11%Key Financial Metrics
Return on equity for FFB Bancorp stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. FFBB trades at a trailing price-to-earnings ratio of 12.68, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
FFBB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified product offerings, including specialized agricultural and multifamily loans, catering to a broad customer base.
- Strong gross margin of 79.0% and profit margin of 19.2% indicate efficient operations and profitability.
- Established presence since 2005 in Fresno, California, fostering local community trust and relationships.
- Comprehensive digital banking and business solutions, enhancing customer convenience and operational efficiency.
Bear Case
- Relatively small market capitalization of $268.64M, potentially limiting access to capital markets compared to larger banks.
- No dividend yield, which may not appeal to income-focused investors.
- Reliance on regional economic conditions, making it susceptible to local downturns.
- Disclosure status on OTC market is 'Unknown', which can deter some institutional investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
FFBB Latest News
No recent news available for FFBB.
FFBB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FFBB.
Price Targets
Wall Street price target analysis for FFBB.
FFBB MoonshotScore
What does this score mean?
The MoonshotScore rates FFBB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Steven Kenneth Miller
CEO
Steven Kenneth Miller serves as the CEO of FFB Bancorp, a role in which he oversees the strategic direction and operational management of the bank holding company and its subsidiary, FFB Bank. His leadership encompasses managing a team of 175 employees, guiding the institution's efforts to provide a comprehensive range of banking products and services. His background is rooted in the financial services sector, specifically within regional banking, where he is responsible for navigating market dynamics and ensuring the delivery of value to individual and business clients.
Track Record: Under Steven Kenneth Miller's leadership, FFB Bancorp has continued to provide diverse banking products and services, catering to individuals and small to middle-market businesses. His management has overseen the company's operations, including its array of deposit accounts, various loan offerings, and the integration of digital banking solutions. He also presided over the company's rebranding from Communities First Financial Corporation to FFB Bancorp in May 2023, a significant milestone in the company's corporate identity.
FFBB OTC Market Information
FFB Bancorp trades on the OTC market under the 'OTC Other' tier. This tier represents companies that do not qualify for OTCQX or OTCQB, or choose not to provide financial information to OTC Markets Group. Companies in this tier typically have limited public disclosure, which can make it challenging for investors to access comprehensive financial data and operational insights. Unlike exchanges like NYSE or NASDAQ, which have stringent listing requirements regarding financial health, corporate governance, and minimum share prices, the 'OTC Other' tier has minimal or no such requirements, leading to a less regulated trading environment.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- **Limited Transparency:** The 'Unknown' disclosure status means investors may have difficulty accessing timely and comprehensive financial reports, making informed investment decisions challenging.
- **Lower Liquidity:** Trading on the 'OTC Other' tier typically results in lower trading volumes and wider bid-ask spreads, potentially making it difficult to buy or sell shares efficiently.
- **Price Volatility:** Stocks in less regulated and less liquid markets can experience greater price fluctuations due to fewer market participants and less readily available information.
- **Limited Analyst Coverage:** OTC Other stocks often receive minimal to no coverage from institutional analysts, reducing the amount of independent research available to investors.
- **Potential for Manipulation:** The less regulated environment and lower transparency can make these stocks more susceptible to market manipulation schemes.
- Verify the company's most recent financial statements and annual reports, if available, directly from the company or regulatory filings.
- Research the background and track record of the management team, including any past performance or regulatory issues.
- Examine the company's business operations, revenue streams, and competitive landscape to understand its fundamental value.
- Assess the company's regulatory compliance and any ongoing legal or enforcement actions.
- Investigate any news or press releases from the company or reputable financial news sources for recent developments.
- Understand the specific risks associated with the 'OTC Other' tier, including liquidity and disclosure limitations.
- Evaluate the company's capital structure, debt levels, and cash flow generation capabilities.
- **Established Founding Date:** FFB Bancorp was founded in 2005, indicating a long operational history.
- **Named CEO:** Steven Kenneth Miller is identified as the CEO, providing clear leadership accountability.
- **Significant Employee Base:** The company employs 175 individuals, suggesting a substantial operational footprint.
- **Specific Banking Services:** Offers a detailed and comprehensive list of traditional and specialized banking products, indicating a legitimate financial institution.
- **Headquartered in Fresno, California:** A physical headquarters and regional focus lend credibility to its operations.
Common Questions About FFBB (Financial Services)
What does FFB Bancorp do?
FFB Bancorp operates as a bank holding company for FFB Bank, providing a comprehensive suite of financial products and services. These offerings cater to both individuals and small to middle-market businesses across the United States. For individuals, the bank provides various deposit accounts, including checking, savings, money market, certificates of deposit, and individual retirement accounts, alongside residential real estate loans. For businesses, it offers commercial loans, small business loans, commercial real estate and construction loans, equipment leasing, and specialized agricultural and multifamily financing. Additionally, FFB Bancorp integrates modern banking solutions such as online and mobile banking, cash management, remote deposit capture, and merchant services to enhance customer convenience and operational efficiency.
How sensitive is FFB Bancorp to interest rate changes?
As a regional bank, FFB Bancorp's profitability is inherently sensitive to changes in interest rates, primarily through its net interest margin (NIM). The NIM is the difference between the interest income earned on assets (like loans) and the interest paid on liabilities (like deposits). If interest rates rise, the bank's cost of funding (deposits) may increase faster than the yield on its assets, potentially compressing NIM. Conversely, if rates fall, asset yields might decline more rapidly than funding costs. The specific impact depends on the composition and repricing characteristics of its loan and deposit portfolios, as well as its hedging strategies. Effective asset-liability management is crucial for mitigating this interest rate risk and maintaining profitability.
How is FFB Bancorp adapting to fintech disruption?
FFB Bancorp is adapting to fintech disruption by integrating and enhancing digital banking solutions within its service offerings. The company provides online and mobile banking, online bill pay, and remote deposit capture, which are essential tools for modern customers seeking convenient access to financial services. For its business clients, it offers cash management and merchant services, leveraging technology to streamline financial operations. While maintaining a regional bank focus, these digital initiatives demonstrate FFB Bancorp's commitment to meeting evolving customer expectations and competing with pure-play fintech firms by combining personalized service with technological convenience. Continuous investment in these platforms is key to remaining competitive and relevant in a rapidly digitizing financial landscape.
What are the main risks for FFBB?
FFB Bancorp faces several key risks inherent to the regional banking sector and its OTC market listing. A primary risk is its sensitivity to interest rate fluctuations, which can impact its net interest margin and overall profitability. Economic downturns, particularly in its operating regions or within the agricultural and real estate sectors it serves, could lead to increased loan defaults and reduced demand for credit. The company also navigates intense competition from larger national banks, other regional institutions, and emerging fintech companies. Furthermore, its trading on the 'OTC Other' tier, coupled with an 'Unknown' disclosure status, presents risks related to limited transparency, lower stock liquidity, and potential price volatility, which can affect investor confidence and trading efficiency.
What are the key factors to evaluate for FFBB?
FFB Bancorp (FFBB) holds an AI score of 50/100 (moderate). P/E: 12.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FFBB data refresh on this page?
FFBB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FFBB's recent stock price performance?
FFB Bancorp (FFBB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified product offerings, including specialized agricultural and multifamily loans, catering to a broad customer base. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FFBB overvalued or undervalued right now?
FFB Bancorp (FFBB) trades at 12.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- All information is derived directly from the provided source data.
- Growth opportunities and SWOT analysis are inferred from the company's business description and general industry context, adhering strictly to non-speculative language.
- Competitors array is empty as no FMP PEER TICKERS were provided.
- CEO tenureYears is null as specific tenure data was not provided.
- Analyst consensus FAQ was omitted as no analyst data was provided.