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CBB Bancorp Inc (CBBI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of CBB Bancorp Inc stock $17.92, price $13.77, upside +30.1%, quality 67 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB CBB Bancorp Inc logo Some data Nov 8, 2026

CBB Bancorp Inc

CBBI · US
Meets all rules

The stock costs 23% less than our calculation considers fair.

Fair value $17.92 · Undervalued
Quality 67/100
Highly profitable · 25.9% net margin (FY2025)
3.4% dividend yield · Low payout
Ranks above peers (8/13)
Costs just 7.3 times its yearly profit.
Moderate moat 51/100
Some data
Weak Growth (revenue 3y −6.1 %/yr in USD)
Downbeat coverage
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.20 $5.19 Fair Value $17.92 Aug 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $5.19 – $14.20 · fair‑value band $13.44 – $22.39 · the $13.77 price screens below the $17.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals, and small and midsize businesses in the United States.

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It offers checking, savings, money market, and certification of deposit accounts; and small business administration lending, business lines of credit, business term loans, business and commercial property loans, and construction loans.

The company also provides treasury management services comprising automated clearing house solutions, remote deposit capture, merchant services, smart safe cash vault, and lockbox; online and mobile banking services; and credit cards.

In addition, it offers commercial real estate, residential mortgage, consumer, and other loans; and engages in investing activities. Further, the company provides trade finance services, including commercial letters of credit, standby letters of credit, and documentary collection services.

It offers its services through full-service and limited-service branches in Southern California; Dallas, Texas; and Honolulu, Hawaii, as well as loan production offices in the states of, Georgia and Washington. CBB Bancorp, Inc. was founded in 2005 and is headquartered in Los Angeles, California.

Stock analysis

CBB Bancorp Inc (CBBI) currently trades at $13.77, while our model-based Fair Value estimate is $17.92, implying the stock looks roughly 23% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $19.95 per share, and 4 of the 6 models we run sit above the $13.77 price.

Bear case: the Dividend Discount group reads lowest at $3.98, and 2 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $13.44 (bear) to $22.39 (bull), the price of $13.77 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 67/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

CBB Bancorp Inc reported revenue of $69.1M in FY2025 versus $78.4M in FY2021, a compound −3.1%/yr. Reported net income was $17.9M in FY2025, compounding −10.2%/yr from FY2021.

Key figures

Market cap $146M Micro · P/E ratio 7.3 · P/S ratio 1.90 · EPS (TTM) $1.88 · Dividend yield 3.4% · Net margin 25.9% · Return on equity 7.3% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (medium confidence).

What moves the price

The share trades about 3% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 30%, CBBI screens cheaper than that median.

Fair Value models

Bear $13.44 Fair Value $17.92 Bull $22.39
Price $13.77 · Upside +30.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.20 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $19.35 $19.95 $21.28 74
Gordon GGM $3.24 $3.86 $4.47 67
DDM Multi-Stage $3.24 $4.10 $5.02 65
All 6 models by family
Dividend Discount
Gordon GGM $3.24 $3.86 $4.47 67
DDM Multi-Stage $3.24 $4.10 $5.02 65
Multiples
P/E Multiple $16.48 $21.97 $27.46 63
P/B Multiple $10.39 $13.86 $17.32 55
Asset-Based
NCAV (Graham) $12.29 $16.47 $24.58 54
Economic Profit
Residual Income $19.35 $19.95 $21.28 74

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Quality Score breakdown

Overall quality 67/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 33
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 73
Debt, balance sheet and risk of trouble
Investment 80
Does it invest with discipline instead of growing at any price?
Low Volatility 96
How calm the share price moves, does not count
Price momentum 61
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 78
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−3.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
Start year 2020 (pandemic). Over 10 years: +5.8% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+2.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.2%
Dividend (yield on the price)3.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.9% vs 4.1%, picking up
Pace: the 5-year rate starts in 2020 (pandemic)

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Earlier news

News mood ⓘNews mood, the average tone of recent news (12 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Very negative
Recent news coverage is unusually downbeat.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 67 · Top 25%
Fair Value upside +30.1% · Top 25%
Profitability
Return on equity (12 months) 7.3% · Bottom 25%
Return on assets 0.9% · Below median
Net margin (12 months) 25.9% · Below median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 8.6% · Below median
Dividend yield (12 months) 3.4% · Above median
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.3× · Cheapest 25%
P/B 0.54× · Cheapest 25%
P/S (12 months) 2.08× · Cheapest 25%
Price / free cash flow (fiscal year) 2.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)73 · sector 8
FUTURE (revenue growth)43 · sector 47
PAST (return on equity)29 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)69 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CBBI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CBBI
BNP Paribas SA BNP €91.93 €106.01 +15% vs CBBI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CBBI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CBBI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CBBI
Mizuho Financial Group MFG $9.40 $5.89 −37% vs CBBI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CBBI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CBBI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CBBI

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CBB Bancorp Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "CBB Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/CBBI

Frequently asked questions

Is CBB Bancorp Inc (CBBI) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $17.92 versus a price of $13.77, about +30% upside (undervalued).
What is the fair value of CBBI?
Our model-based fair value for CBB Bancorp Inc is $17.92 (as of Nov 8, 2026), built from audited fundamentals. The current price: $13.77.
What is the quality score of CBBI?
CBB Bancorp Inc has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CBB Bancorp Inc (CBBI)?
Our model-based price target is the fair value of $17.92 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $13.44, optimistic scenario $22.39. It is a calculation from audited fundamentals, not an analyst target.
What is the CBB Bancorp Inc stock forecast for 2026?
Our models put fair value at $17.92, about +30% upside versus a price of $13.77 (undervalued). Cautious scenario $13.44, optimistic scenario $22.39. The calculation is refreshed regularly with new filings.
What is the revenue of CBB Bancorp Inc (CBBI)?
CBB Bancorp Inc reported trailing-twelve-month revenue of about $70.2M (latest available figure, as of Nov 8, 2026).
Does CBB Bancorp Inc pay a dividend?
CBB Bancorp Inc currently shows a dividend yield of 3.45% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of CBB Bancorp Inc (CBBI) and when is the ex-dividend date?
CBB Bancorp Inc pays a dividend of $0.475 per share a year, a dividend yield of 3.4%. The next ex-dividend date is Nov 13, 2026. A dividend has been paid every year since at least 2021. The payout ratio is 25.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of CBB Bancorp Inc (CBBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CBB Bancorp Inc it is $17.92 per share (as of Nov 8, 2026), against a price of $13.77. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is CBB Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CBBI trades below its calculated fair value: price $13.77, fair value $17.92, a gap of about +30% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBBI?
No. The price is what the market pays today ($13.77); the fair value is what the company's own numbers justify ($17.92). For CBB Bancorp Inc the two are $4.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is CBB Bancorp Inc worth?
The market values CBB Bancorp Inc at about $146M (market capitalisation, as of Nov 8, 2026). Per share that is $13.77; our models calculate a fair value of $17.92 per share.
What do the bullish and bearish scenarios say about CBBI?
Our models span a range for CBB Bancorp Inc: cautious scenario $13.44, base $17.92, optimistic $22.39 per share (as of Nov 8, 2026, price $13.77). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBBI?
CBB Bancorp Inc trades at a price-to-earnings ratio of 7.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.92 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings: 5.8. Other multiples: P/B 0.5, P/S 2.1.
How solid is the balance sheet of CBB Bancorp Inc (CBBI)?
Balance-sheet figures for CBB Bancorp Inc (as of Nov 8, 2026): return on equity 7.3%, debt of 0.19 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is CBBI from its 52-week high?
CBB Bancorp Inc trades at $13.77, about 3% below its 52-week high of $14.20 and 36% above the low of $10.13 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.92 is for.
Which stocks are comparable to CBB Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CBB Bancorp Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $13.77, calculated fair value $17.92 (+30%), Quality Score 67/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBBI calculated?
We run CBB Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $17.92 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. CBB Bancorp Inc currently trades 23% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CBB Bancorp Inc (CBBI)?
The closing price on Nov 6, 2026 was $13.77. Our model-based fair value is $17.92, about +30% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CBB Bancorp Inc right now?
Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of CBB Bancorp Inc

How large is the market capitalisation of CBB Bancorp Inc (CBBI)?
The market capitalisation of CBB Bancorp Inc is $146M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CBB Bancorp Inc (CBBI)?
The price-to-sales ratio of CBB Bancorp Inc is 1.90 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CBB Bancorp Inc (CBBI)?
Earnings per share at CBB Bancorp Inc are $1.88 (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CBB Bancorp Inc (CBBI)?
The dividend yield of CBB Bancorp Inc is 3.4% (payout 25.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of CBB Bancorp Inc (CBBI)?
The net margin of CBB Bancorp Inc is 25.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CBB Bancorp Inc (CBBI)?
The return on equity (ROE) of CBB Bancorp Inc is 7.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CBB Bancorp Inc (CBBI)?
On an EBIT basis the return on assets of CBB Bancorp Inc is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at CBB Bancorp Inc (CBBI)?
Revenue at CBB Bancorp Inc is growing +8.6% versus a year earlier (3y avg −6.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CBB Bancorp Inc (CBBI)?
Earnings per share at CBB Bancorp Inc are growing +12.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does CBB Bancorp Inc (CBBI) generate?
The free cash flow of CBB Bancorp Inc is $66.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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