FFB Bancorp (FFBB) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 13.38 means the share price is 13.38 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $278M is the value of all shares combined. Beta 0.28: the stock has moved about 72% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerFFB Bancorp (FFBB) trades at $89.06 with MoonshotScore 50/100 (Grade B). Market cap: $278M, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: 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: 1/3 scored disciplines lean bullish. Dominant signal: Izzy Englander bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
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 $278M, a P/E ratio of 13.38, 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 $278M, indicating its scale within the regional banking sector.
- The company maintains a P/E ratio of 13.38, 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 | MoonshotScore |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
| NWFL Norwood Financial Corp. | $34.50 | +0.23% | $376M | 925-pillar |
| FNLC The First Bancorp, Inc. | $34.71 | -0.94% | $391M | 915-pillar |
| CZFS Citizens Financial Services, Inc. | $83.15 | +0.04% | $400M | 905-pillar |
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 $278M, 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?
FFBB catalyst: **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 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.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
Why 50?
This rating comes from our nine-signal model, which produces a score but not a per-factor breakdown. The sector-relative five-pillar model, which explains its own contributions, does not cover this listing yet. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 50 |
| 2026-08-26 | 50 |
| 2026-08-29 | 50 |
| 2026-09-01 | 50 |
| 2026-09-04 | 50 |
| 2026-09-07 | 50 |
| 2026-09-10 | 50 |
What changed?
The score has stayed at 50.
Over the same 18 days the stock moved +0.4%.
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 E. Miller. FFBB has traded publicly since 2007.
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 13.38, below the Financial Services sector average of ~17.50x. 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 Valuation & Market Position
With a $278M 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 91/100.
Quarterly Financial Performance: FFB Bancorp
Revenue for FFB Bancorp came in at $29.0M during Q2 FY2026, a 11.2% improvement versus the preceding quarter. The company recorded net income of $5.5M, with diluted EPS of $1.88. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, FFBB averaged $1.64 in diluted EPS.
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 $278M, 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 · June 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $29M | $5M | $1.88 |
| Q1 FY2026 | $26M | $5M | $1.53 |
| Q4 FY2025 | $26M | $3M | $1.07 |
| Q3 FY2025 | $24M | $6M | $2.06 |
Q2 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis
FFBB Latest News
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FFB Bancorp Announces Second Quarter 2026 Results:
Yahoo! Finance: FFBB News · Jul 21, 2026
FFBB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FFBB.
Price Targets
Wall Street price target analysis for FFBB.
FFBB MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. FFBB scores 50/100 (Grade B): the number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
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
- **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 the AI Score mean for FFBB?
FFBB holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. The number comes from the legacy nine-factor engine (quantitative signals from revenue growth to news sentiment), written once, not refreshed.
Is FFBB a good stock?
Stock Expert AI does not rate FFBB buy, sell or hold. FFB Bancorp carries a MoonshotScore of 50/100 on the legacy nine-factor engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
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.
What are the key factors to evaluate for FFBB?
FFB Bancorp (FFBB) holds a MoonshotScore of 50/100 (moderate). P/E: 13.38x vs the S&P 500's ~20-25x. Its low beta of 0.28 suggests relatively stable performance compared to the broader market. Not financial advice.
How frequently does FFBB data refresh on this page?
FFBB's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates 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 13.38x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of FFBB?
Yes, most major brokerages offer fractional shares of FFB Bancorp (FFBB) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track FFBB's earnings and financial reports?
FFB Bancorp (FFBB) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for FFBB earnings announcements.
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.