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FFB Bancorp (FFBB) Fair Value & Analysis

Financial Services · US · Market cap $267M

Price$85.15
Fair Value$97.43
Upside+14.4%
Quality95/100
Evidence: High Range $73.07 – $121.79

Fair value as of: Jun 26, 2026

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Analysis

FFB Bancorp (FFBB) currently trades at $85.15, while our model-based Fair Value estimate is $97.43 — implying the stock looks roughly 14.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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…

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Frequently asked questions

Is FFB Bancorp (FFBB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $97.43 versus a price of $85.15 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FFBB?
Our 21-model fair value for FFB Bancorp is $97.43 (as of Jun 26, 2026), built from audited fundamentals. The current price is $85.15.
What is the quality score of FFBB?
FFB Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.