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FFB Bancorp (FFBB) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of FFB Bancorp stock $65.05, price $85.75, that is 24.1% below the price, quality 59 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FB FFB Bancorp logo Some data Nov 8, 2026

FFB Bancorp

FFBB · US
Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Healthy Growth (revenue 5y +22.0 %/yr in USD)
Highly profitable · 20.8% net margin (TTM)
Quality 59/100
Mixed vs. peers (5/12)
Moderate moat 61/100 · thin data
Some data
Fair value $65.05 · Overvalued
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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

$99.75 $44.25 Fair Value $65.05 Aug 2021 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 $44.25 – $99.75 · fair‑value band $57.25 – $86.16 · the $85.75 price screens above the $65.05 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

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.

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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.

Stock analysis

FFB Bancorp (FFBB) currently trades at $85.75, while our model-based Fair Value estimate is $65.05, 24% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $99.31 per share, and 2 of the 4 models we run sit above the $85.75 price.

Bear case: the Asset-Based group reads lowest at $43.50, and 2 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $57.25 (bear) to $86.16 (bull), the price of $85.75 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 59/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

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.

Key figures

Market cap $257M Micro · P/E ratio 14.1 · P/S ratio 2.99 · EPS (TTM) $6.09 · Net margin 20.8% · Return on equity 10.1% · Return on assets 1.1% · Operating margin 28.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −24%, FFBB screens cheaper than that median.

Fair Value models

Bear $57.25 Fair Value $65.05 Bull $86.16
Price $85.75 · Downside -24.1%
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 ($5.24 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 $57.25 $65.05 $86.16 71
P/E Multiple $80.79 $107.72 $134.64 63
P/B Multiple $68.17 $90.89 $113.62 55
All 4 models by family
Multiples
P/E Multiple $80.79 $107.72 $134.64 63
P/B Multiple $68.17 $90.89 $113.62 55
Asset-Based
NCAV (Graham) $32.46 $43.50 $64.92 54
Economic Profit
Residual Income $57.25 $65.05 $86.16 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 59/100

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

Profitability 45
How much profit the company makes from its sales and capital
Quality Growth 39
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 21
Debt, balance sheet and risk of trouble
Investment 55
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 42
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 41
Distance to the 52-week high, does not count
New shares 99
Buys back shares or issues new ones?

Open the full quality analysis →

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. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.3%
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.
+15.0%
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.
+22.0%
Start year 2020 (pandemic)
Revenue growth 6 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.
+23.6%
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.
+15.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.5%
Dividend (yield on the price)0.0%

FFBB screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

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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 · 997 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside −24.1% · Below median
Profitability
Return on equity (12 months) 10.1% · Below median
Return on assets 1.5% · Top 25%
Net margin (12 months) 20.8% · Bottom 25%
Operating margin (12 months) 28.9% · Below median
Growth and dividend
Revenue growth (quarter YoY) −4.3% · Bottom 25%
Balance sheet
Debt / equity 0.21× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.1× · Pricier than median
P/B 1.39× · Pricier than median
P/S (12 months) 2.99× · Cheaper than median
Price / free cash flow (fiscal year) 8.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 7
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)40 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

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 ¥5.62 ¥7.59 +35% vs FFBB
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs FFBB
BNP Paribas SA BNP €93.98 €106.01 +13% vs FFBB
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs FFBB
UniCredit S.p.A UCG €81.62 €50.44 −38% vs FFBB
Mizuho Financial Group MFG $9.82 $5.89 −40% vs FFBB
Al Rajhi Banking and Investment Corporation 1120 62.25 SAR 36.95 SAR −41% vs FFBB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FFBB
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs FFBB
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs FFBB

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FFB Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "FFB Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/FFBB

Frequently asked questions

Is FFB Bancorp (FFBB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $65.05 versus a price of $85.75, about 24% lower (overvalued).
What is the fair value of FFBB?
Our model-based fair value for FFB Bancorp is $65.05 (as of Nov 8, 2026), built from audited fundamentals. The current price: $85.75.
What is the quality score of FFBB?
FFB Bancorp has a Quality Score of 59/100. 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 FFB Bancorp (FFBB)?
Our model-based price target is the fair value of $65.05 (as of Nov 8, 2026) from 4 valuation models. Cautious scenario $57.25, optimistic scenario $86.16. It is a calculation from audited fundamentals, not an analyst target.
What is the FFB Bancorp stock forecast for 2026?
Our models put fair value at $65.05, about 24% lower versus a price of $85.75 (overvalued). Cautious scenario $57.25, optimistic scenario $86.16. The calculation is refreshed regularly with new filings.
What is the revenue of FFB Bancorp (FFBB)?
FFB Bancorp reported trailing-twelve-month revenue of about $85.9M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of FFB Bancorp (FFBB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FFB Bancorp it is $65.05 per share (as of Nov 8, 2026), against a price of $85.75. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is FFB Bancorp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, FFBB trades above its calculated fair value: price $85.75, fair value $65.05, a gap of about −24% (overvalued). 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 FFBB?
No. The price is what the market pays today ($85.75); the fair value is what the company's own numbers justify ($65.05). For FFB Bancorp the two are $20.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is FFB Bancorp worth?
The market values FFB Bancorp at about $257M (market capitalisation, as of Nov 8, 2026). Per share that is $85.75; our models calculate a fair value of $65.05 per share.
What do the bullish and bearish scenarios say about FFBB?
Our models span a range for FFB Bancorp: cautious scenario $57.25, base $65.05, optimistic $86.16 per share (as of Nov 8, 2026, price $85.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FFBB?
FFB Bancorp trades at a price-to-earnings ratio of 14.1 (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 $65.05 is built from several models across several years. Other multiples: P/B 1.4, P/S 3.0.
How solid is the balance sheet of FFB Bancorp (FFBB)?
Balance-sheet figures for FFB Bancorp (as of Nov 8, 2026): return on equity 10.1%, debt of 0.21 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is FFBB from its 52-week high?
FFB Bancorp trades at $85.75, about 4% below its 52-week high of $89.00 and 3% above the low of $83.00 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $65.05 is for.
Which stocks are comparable to FFB Bancorp?
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 FFB Bancorp stock attractive at the current price?
The data as of Nov 8, 2026: price $85.75, calculated fair value $65.05 (−24%), Quality Score 59/100, from 4 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 FFBB calculated?
We run FFB Bancorp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $65.05 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 13.7% above its aggregate fair value. FFB Bancorp itself currently trades above fair value. 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 FFB Bancorp (FFBB)?
The closing price on Nov 9, 2026 was $85.75. Our model-based fair value is $65.05, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FFB Bancorp right now?
Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder. 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 FFB Bancorp

How large is the market capitalisation of FFB Bancorp (FFBB)?
The market capitalisation of FFB Bancorp is $257M. 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 FFB Bancorp (FFBB)?
The price-to-sales ratio of FFB Bancorp is 2.99 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FFB Bancorp (FFBB)?
Earnings per share at FFB Bancorp are $6.09 (price ÷ EPS = P/E 14.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FFB Bancorp (FFBB)?
The net margin of FFB Bancorp is 20.8% (last twelve months). 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 FFB Bancorp (FFBB)?
The return on equity (ROE) of FFB Bancorp is 10.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of FFB Bancorp (FFBB)?
The return on assets (ROA) of FFB Bancorp is 1.1% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of FFB Bancorp (FFBB)?
The operating margin of FFB Bancorp is 28.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FFB Bancorp (FFBB)?
Revenue at FFB Bancorp is growing −4.3% versus a year earlier (3y avg +15.0%). 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 FFB Bancorp (FFBB)?
Earnings per share at FFB Bancorp are growing −21.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FFB Bancorp (FFBB) generate?
The free cash flow of FFB Bancorp is $29.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does FFB Bancorp (FFBB) carry?
The net debt of FFB Bancorp is $12.3M (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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