OTC · Banks - Regional

FFB Bancorp (FFBB) Stock

$87.77 +0.15% OTC: FFBB Financial Services

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.

Valuation

MetricValue
Price$87.77
Market Cap$273.85M
P/E Ratio13.32
P/B Ratio1.44
P/S Ratio2.61
EPS (TTM)$6.59
52-Week High$88.00
52-Week Low$77.09
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE11.14%
ROA1.28%
ROCE13.39%
Gross Margin79.00%
Operating Margin26.54%
Net Margin19.16%
Debt/Equity0.19
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$52.0M$62.0M$90.0M$105.0M$109.0M
Operating Profit$28.0M$36.0M$46.0M$47.0M$32.0M
Net Profit$21.0M$27.0M$34.0M$34.0M$24.0M
EPS$6.62$8.44$10.56$10.72$7.66
Op Margin54.8%58.3%51.5%44.6%29.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.1B$1.3B$1.4B$1.5B$1.6B
Total Liabilities$991.0M$1.2B$1.2B$1.3B$1.4B
Cash$38.0M$60.0M$64.0M$65.0M$26.0M
Borrowings$39.0M$104.0M$74.0M$38.0M$38.0M

Latest News

FFB Bancorp Announces Second Quarter 2026 Results: GlobeNewswire · Jul 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$19.0M$29.0M$49.0M$34.0M$30.0M
Investing Cash Flow$-172.0M$-219.0M$-77.0M$-140.0M$-41.0M
Financing Cash Flow$210.0M$144.0M$64.0M$139.0M$44.0M
Net Cash Flow$26.0M$20.0M$6.0M$1.0M$35.0M
Free Cash Flow$18.0M$28.0M$49.0M$34.0M$30.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.34
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y12.18%
Return 3Y29.34%
Return 5Y95.26%

Ownership

Insiders Held0.00%
Institutions Held5.97%
Institutions Float Held5.97%
Institutional HolderSharesReport Date
JCSD Capital, LLC79,4132026-06-30
Kennedy Capital Management, LLC9,5202026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BFCCBankFirst Capital Corporation $62.75 +0.00% 11.69 $333.46M 1.67%
CSHXCashmere Valley Bank $88.25 +0.90% 11.94 $327.74M 2.27%
CYFLCentury Financial Corporation $47.90 +0.84% 8.57 $311.83M 2.17%
MBLUMorris State Bancshares, Inc. $25.00 +0.00% 10.00 $265.94M 19.44%
MFGIMerchants Financial Group, Inc. $41.05 +0.12% 9.77 $335.74M 2.14%

About FFB Bancorp

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. FFB Bancorp was formerly known as Communities First Financial Corporation and changed its name to FFB Bancorp in May 2023. The company was founded in 2005 and is based in Fresno, California.

FFB Bancorp is headquartered in US.

FFB Bancorp (FFBB) stock trades at $87.77 with a market capitalization of $273.85M. The stock is valued at a price-to-earnings (P/E) ratio of 13.32, price-to-book of 1.44, price-to-sales of 2.61. Over the past 52 weeks the stock has ranged between $77.09 and $88.00, and currently trades at its 52-week high.

On profitability, FFB Bancorp generates a return on equity (ROE) of 11.14%, return on capital employed of 13.39%, an operating margin of 26.54%, a net profit margin of 19.16%.

Official website: www.ffb.bank

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