FFB Bancorp (FFBB) Fair Value & Analysis

Financial Services · US · Market cap $267M

A solid business, screening 11% undervalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from $73.07 (bear) to $121.79 (bull), base $97.43. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 62/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (3 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

35‑month range $66.00 – $99.75 · fair‑value band $73.07 – $121.79 · the $87.50 price screens below the $97.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

FFB Bancorp (FFBB) currently trades at $87.50, while our model-based Fair Value estimate is $97.43, implying the stock looks roughly 11.4% undervalued today. The Quality Score stands at 62/100 (solid 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.

Over the trailing twelve months, FFB Bancorp generated revenue of $88.5M at a net margin of 22.7%. Revenue declined 18.9% year over year. It earns a return on equity of 11.2%. Net debt stands at $12.3M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $73.07 (bear case) to $121.79 (bull case); at $87.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 16% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 11%, FFBB screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($82.22) versus Asset-Based ($39.35). Highest evidence: P/E Multiple (63).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

FFB Bancorp reported revenue of $93.4M in FY2025 versus $48.8M in FY2021, a compound +17.6%/yr. Reported net income was $23.6M in FY2025, compounding +3.5%/yr from FY2021.

Watch FFBB: get an alert when its fair value changes →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

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.