FFB Bancorp

FFBB

FFBBFFB Bancorp US flag

OTC Markets OTCQX

68.25

USD

+0.25

(+0.37%)

10.07EPS

6.78P/E

212.04MMarket Cap

ISIN

US20344D1046

Return %

Stock

S&P500

-17.77

6.57

14.13

22.75

230.51

93.55

Use logarithmic scale

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	TTM
Revenue per Share	3.85	4.53	4.89	5.4	5.41	5.21	5.91	7.23	8.94	11.52	15.91	18.86	25.38	27.31
Basic EPS, GAAP	0.92	0.57	-0.15	0.92	1.01	1.13	1.31	2.19	3.14	3.84	6.69	8.51	10.57	10.08
Free Cash Flow per Basic Share	1.16	1.24	1.33	2.66	1.47	1.97	1.81	1.64	0.2	9.06	6.02	7.26	15.32	- -
Dividend per Share	0.06	0.06	0.16	0.15	0.14	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	7.32	8.18	8.08	8.64	11.58	10.52	12.25	14.41	17.69	21.49	28.17	36.83	47.3	55.55
Tangible Book Value per Share	8.34	9.39	8.4	9.69	12.21	10.97	12.28	14.26	17.75	22.87	29.1	29.62	41.17	51.55
Basic Weighted Avg Shares	2	2	2	2	2	3	3	3	3	3	3	3	3	3
Sales/Revenue/Turnover	7	8	9	11	12	14	17	21	26	35	49	59	81	87
Operating Margin (%)	- -	- -	0.48	31.17	34.62	36.05	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	1	- -	2	3	3	4	6	9	12	21	27	34	32
Effective Tax Rate (%)	- -	40.95	40.82	36.01	38.6	39.96	44.53	25.86	27.17	26.71	27.26	26.47	27.4	27.42
Profit Margin (%)	25.7	13.83	0.28	19.95	21.26	21.64	22.14	30.27	35.17	33.35	42.06	45.09	41.65	36.91
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	70	39	104	74	38
Total Equity	18	23	21	25	27	30	35	41	52	69	89	92	131	164
Return on Invested Capital (%)	- -	- -	0.12	9.17	9.82	10.81	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Common Equity (%)	- -	7.22	-1.83	11.3	10.51	11.33	11.66	16.52	19.8	19.81	27.21	26.35	25.33	20.08

Capital Structure

•

in mil. unless spec.

Working Capital

•

in mil. unless spec.

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	24.6%	31.51%	37%
Net Income, GAAP	835.61%	41.28%	26.53%
Free Cash Flow	468.48%	911.98%	114.87%
Total Cash Common Dividend	- -	- -	- -
Total Equity	20.33%	26.95%	41.51%

Growth Rates

•

in mil. unless spec.

Quarterly Revenue

•

in mil. unless spec.

Quarterly Earnings Per Share

•

in mil. unless spec.

Quarterly Dividends Per Share

•

in mil. unless spec.

Company Description

CEO: Mr. Steven Kenneth Miller
Full Time Employees: 168
Sector: Financial Services
Industry: Banks - Regional
Address: 7690 North Palm Avenue Fresno CA United States of America 93711
IPO Date: May 7, 2007
Website: ffb.bank
Similar Companies: Banco Mercantil de Investimentos S.A. (BMIN3.SA)
Paragon Financial Solutions, Inc. (PGNN)
CFSB Bancorp, Inc. (CFSB)
Banco do Estado do Rio Grande do Sul S.A. (BRSR3.SA)
Central Bancompany, Inc. (CBCY)
The Shizuoka Bank, Ltd. (8355.T)
Business: 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. The company was formerly known as Communities First Financial Corporation and changed its name to FFB Bancorp in May 2023. FFB Bancorp was founded in 2005 and is based in Fresno, California.

Company News

seekingalpha.com
a month ago
FFB Bancorp: An Undervalued, Well-Capitalized Contender In Regional Banking
globenewswire.com
3 months ago
FFB Bancorp Announces Fourth Quarter and Year Ended December 31, 2024 Earnings
globenewswire.com
6 months ago
FFB Bancorp Earns $8.56 million, or $2.69 per Diluted Share, for Third Quarter 2024
globenewswire.com
9 months ago
FFB Bancorp Earns $8.08 million, or $2.54 per Diluted Share, for Second Quarter 2024
globenewswire.com
a year ago
FFB Bancorp Announces Stock Repurchase Program
globenewswire.com
a year ago
FFB Bancorp Earns $7.79 million, or $2.46 per Diluted Share, for First Quarter 2024
globenewswire.com
a year ago
FFB Bancorp Earns $7.57 million, or $2.38 per Diluted Share, for Fourth Quarter 2023; Earns $33.56 million, or $10.56 per Diluted Share, for Full Year 2023
globenewswire.com
2 years ago
FFB Bancorp Earns $8.87 Million, or $2.79 per Diluted Share, for Third Quarter 2023
globenewswire.com
2 years ago
FFB Bancorp President and CEO Taking Personal Leave of Absence
globenewswire.com
2 years ago
FFB Bancorp Announces Ticker Symbol Change

Year	Q1	Q2	Q3	Q4	FY
2022	1.86	2	2.21	- -	8.51
2023	2.42	2.97	2.79	- -	10.57
2024	2.45	2.54	2.7	- -	- -

	Mar'24	Jun'24	Sep'24
ST Debt	- -	68	- -
LT Borrowings	40	40	38
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	3	3	3
Market Capitalization	263	283	287

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	TTM
Revenue per Share	3.85	4.53	4.89	5.4	5.41	5.21	5.91	7.23	8.94	11.52	15.91	18.86	25.38	27.31
Basic EPS, GAAP	0.92	0.57	-0.15	0.92	1.01	1.13	1.31	2.19	3.14	3.84	6.69	8.51	10.57	10.08
Free Cash Flow per Basic Share	1.16	1.24	1.33	2.66	1.47	1.97	1.81	1.64	0.2	9.06	6.02	7.26	15.32	- -
Dividend per Share	0.06	0.06	0.16	0.15	0.14	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	7.32	8.18	8.08	8.64	11.58	10.52	12.25	14.41	17.69	21.49	28.17	36.83	47.3	55.55
Tangible Book Value per Share	8.34	9.39	8.4	9.69	12.21	10.97	12.28	14.26	17.75	22.87	29.1	29.62	41.17	51.55
Basic Weighted Avg Shares	2	2	2	2	2	3	3	3	3	3	3	3	3	3
Sales/Revenue/Turnover	7	8	9	11	12	14	17	21	26	35	49	59	81	87
Operating Margin (%)	- -	- -	0.48	31.17	34.62	36.05	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	1	- -	2	3	3	4	6	9	12	21	27	34	32
Effective Tax Rate (%)	- -	40.95	40.82	36.01	38.6	39.96	44.53	25.86	27.17	26.71	27.26	26.47	27.4	27.42
Profit Margin (%)	25.7	13.83	0.28	19.95	21.26	21.64	22.14	30.27	35.17	33.35	42.06	45.09	41.65	36.91
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	70	39	104	74	38
Total Equity	18	23	21	25	27	30	35	41	52	69	89	92	131	164
Return on Invested Capital (%)	- -	- -	0.12	9.17	9.82	10.81	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Common Equity (%)	- -	7.22	-1.83	11.3	10.51	11.33	11.66	16.52	19.8	19.81	27.21	26.35	25.33	20.08

	Mar'24	Jun'24	Sep'24
Total Current Assets	- -	- -	- -
Accounts Receivable, Net	- -	- -	- -
Cash, Cash Equivalents & STI	39	48	80
Inventories	- -	- -	- -
Total Current Liabilities	- -	- -	- -
Payables & Accruals	- -	- -	- -
ST Debt	- -	68	- -
Deferred Revenue	- -	- -	- -

FFB Bancorp

Growth Rates

(avg. rate of change)

Company Description

Company News

Growth Rates

(avg. rate of change)

Quarterly Earnings Per Share

Year

Capital Structure

Working Capital

Quarterly Revenue

Year

Quarterly Dividends Per Share

Year