FFB Bancorp (FFBB)
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.
Sector: Banks - Regional
Industry: Banks - Regional
FFB Bancorp
OTC:FFBBFinancial Services · Banks - Regional
-0.34%$88.70
Mkt Cap-
Float3.09M
O/S-
Inst Own-
SI<0.1%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$108.96M
Net Income$23.58M
Total Assets$1.58B
Free Cash Flow$29.79M
Debt & Equity
Debt 17%
Equity 83%
Total Debt$38.15M
Total Equity$184.79M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in FFBB's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$1.58B
Liabilities$1.4B
Accounts Receivable$0
Accounts Payable$0
Inventory$0
PP&E (Net)$0
Goodwill$0
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Revenue | $108.96M | $105.25M | $89.7M | $61.88M | $51.53M | $35.81M | $27.21M |
| YoY Growth | 3.5% | 17.3% | 45.0% | 20.1% | 43.9% | 31.6% | - |
| Cost of Revenue | $24.49M | $17.02M | $10.87M | $3.36M | $4.72M | $4.59M | $1.69M |
| Gross Profit | $84.47M | $88.23M | $78.83M | $58.52M | $46.81M | $31.22M | $25.52M |
| Gross Margin | 77.5% | 83.8% | 87.9% | 94.6% | 90.8% | 87.2% | 93.8% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $31.16M | $27.5M | $22.18M | $16.79M | $12.71M | $10.75M | $9.94M |
| Other | $20.84M | $13.83M | $10.43M | $5.66M | $5.88M | $4.76M | $2.94M |
| Total Operating Expenses | $52M | $41.33M | $32.61M | $22.45M | $18.59M | $15.51M | $12.88M |
| Operating Income (EBIT) | $32.47M | $46.9M | $46.22M | $36.07M | $28.22M | $15.71M | $12.63M |
| Operating Margin | 29.8% | 44.6% | 51.5% | 58.3% | 54.8% | 43.9% | 46.4% |
| Interest Expense | $15.55M | $13.92M | $9.12M | $3.06M | $2.72M | $1.29M | $1.04M |
| Interest Income | $87.9M | $83.96M | $72.66M | $51.14M | $41.56M | $28.73M | $23.16M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $32.47M | $46.9M | $46.22M | $36.07M | $28.22M | $15.71M | $12.63M |
| Income Tax Expense | $8.89M | $12.75M | $12.66M | $9.55M | $7.69M | $4.2M | $3.43M |
| Net Income | $23.58M | $34.15M | $33.56M | $26.52M | $20.53M | $11.51M | $9.2M |
| Net Income Margin | 21.6% | 32.4% | 37.4% | 42.9% | 39.8% | 32.1% | 33.8% |
| Supplementary Data | |||||||
| EPS | 7.87 | 10.76 | 10.57 | 8.51 | 6.69 | 3.84 | 3.14 |
| Diluted EPS | 7.66 | 10.72 | 10.56 | 8.44 | 6.62 | 3.79 | 3.09 |
| Weighted Average OS | 3.00M | 3.17M | 3.17M | 3.12M | 3.07M | 3.00M | 2.93M |
| EBITDA | $32.71M | $47.06M | $46.5M | $36.27M | $28.36M | $15.87M | $12.81M |
| EBITDA Margin | 30.0% | 44.7% | 51.8% | 58.6% | 55.0% | 44.3% | 47.1% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Assets | |||||||
| Current Assets | |||||||
| Cash and Cash Equivalents | $25.82M | $65.14M | $64.28M | $59.96M | $38.27M | $19.58M | $23.5M |
| Short-Term Investments | $0 | $319.28M | $322.88M | $340.36M | $287.95M | $216.72M | $97.63M |
| Cash and Short-Term Investments | $25.82M | $384.41M | $387.15M | $400.32M | $326.22M | $236.3M | $121.12M |
| Accounts Receivable | $0 | $0 | $0 | $32.41M | $19.74M | $8.89M | $4.96M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $71.77M | $0 | $0 | $0 | $0 |
| Total Current Assets | $25.82M | $384.41M | $458.92M | $432.73M | $345.96M | $245.18M | $126.08M |
| Long-Term Assets | |||||||
| Property, Plant & Equipment Net | $0 | $384K | $391K | $404K | $294K | $175K | $229K |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $1.42B | $1.07B | $333.13M | $852.74M | $725.45M | $618.34M | $386.03M |
| Deferred Tax Assets | $0 | $0 | $14.14M | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $139.57M | $52.48M | $944.41M | $8.59M | $8.4M | $8.2M | $26.05M |
| Total Long-Term Assets | $1.56B | $1.12B | $1.29B | $861.74M | $734.14M | $626.71M | $412.31M |
| Other Assets | $0 | $0 | -$388.25M | $0 | $0 | $0 | $0 |
| Total Assets | $1.58B | $1.5B | $1.36B | $1.29B | $1.08B | $871.9M | $538.39M |
| Liabilities | |||||||
| Current Liabilities | |||||||
| Accounts Payable | $0 | $0 | $0 | $16.44M | $14.98M | $6.97M | $3.56M |
| Short-Term Debt | $0 | $893K | $34M | $65.49M | $476K | $31M | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.34B | $1.28B | $827.11M | $1.02B | $936.07M | $726.25M | $482.87M |
| Total Current Liabilities | $1.34B | $1.28B | $861.11M | $1.1B | $951.53M | $764.22M | $486.43M |
| Long-Term Liabilities | |||||||
| Long-Term Debt | $38.15M | $38.01M | $39.6M | $104.44M | $40.41M | $70.13M | $0 |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $14.93M | $13.35M | $331.26M | $1.1B | $949.92M | -$31M | $0 |
| Total Long-Term Liabilities | $53.08M | $51.36M | $370.86M | $104.44M | $39.28M | $39.13M | $0 |
| Other Liabilities | $0 | $0 | $1.65M | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.4B | $1.34B | $1.23B | $1.2B | $990.81M | $803.35M | $486.43M |
| Stockholders' Equity | |||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $25.53M | $38.44M | $36.18M | $34.37M | $32.49M | $31M | $29.87M |
| Retained Earnings | $171.72M | $148.14M | $113.99M | $80.47M | $53.95M | $33.42M | $21.91M |
| Comprehensive Income & Other | -$12.46M | -$18.18M | -$19.47M | -$22.48M | $2.86M | $4.13M | $183K |
| Other Stockholders' Equity | -$12.46M | -$18.18M | -$19.47M | -$22.48M | $2.86M | $4.13M | $183K |
| Total Equity | $184.79M | $168.39M | $130.7M | $92.36M | $89.29M | $68.55M | $51.96M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $1.58B | $1.5B | $1.36B | $1.29B | $1.08B | $871.9M | $538.39M |
| Supplementary Data | |||||||
| Total Debt | $38.15M | $38.01M | $73.6M | $104.44M | $39.28M | $101.13M | $0 |
| Net Debt | $12.33M | -$27.13M | $9.32M | $44.48M | $1.01M | $81.54M | -$23.5M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Operating Activities | |||||||
| Net Income | $23.58M | $34.15M | $33.56M | $26.52M | $20.53M | $11.51M | $0 |
| Depreciation & Amortization | $235K | $167K | $283K | $198K | $137K | $159K | $176K |
| Deferred Income Tax | -$2.07M | -$1.2M | -$595K | -$261K | -$915K | $0 | $0 |
| Stock-Based Compensation | $1.1M | $1.53M | $1.91M | $1.61M | $1.03M | $674K | $0 |
| Changes in Working Capital: | |||||||
| Accounts Receivable | -$715K | -$1.02M | -$565K | -$1.77M | -$345K | -$2.39M | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $1.57M | -$605K | -$1.42M | $1.46M | $8.01M | $3.41M | $0 |
| Other Working Capital | $35K | -$961K | $608K | -$37K | -$9.11M | -$3.4M | $0 |
| Total Working Capital Change | $893K | -$2.59M | -$1.38M | -$354K | -$1.44M | -$2.38M | $0 |
| Other Non-Cash Items | $6.33M | $2.34M | $15.13M | $871K | -$604K | $17.29M | -$176K |
| Net Cash from Operating | $30.07M | $34.4M | $48.91M | $28.59M | $18.74M | $27.26M | $0 |
| Investing Activities | |||||||
| Capital Expenditures | -$278K | -$160K | -$10.05M | -$310K | -$256K | -$106K | $0 |
| Acquisitions | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | -$23.46M | -$71.94M | -$68.28M | -$125.85M | -$98.68M | -$140.11M | $0 |
| Sales of Investments | $108.83M | $75.23M | $84.9M | $34.65M | $25.43M | $30.83M | $0 |
| Other Investing Activities | -$125.57M | -$142.66M | -$82.85M | -$126.83M | -$98.61M | -$253.06M | $0 |
| Net Cash from Investing | -$40.48M | -$139.52M | -$76.28M | -$218.34M | -$172.11M | -$362.45M | $0 |
| Financing Activities | |||||||
| Debt Repaid | - | - | - | - | - | -$39.13M | - |
| Common Stock Issuance | $975K | $730K | $53K | $681K | $456K | $433K | $731K |
| Common Stock Repurchases | -$14.98M | $0 | $0 | $0 | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $59.27M | $139.21M | $63.94M | $144.27M | $210.29M | $243.4M | -$731K |
| Net Cash from Financing | $45.27M | $105.94M | $33M | $209.95M | $179.75M | $313.96M | $0 |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $34.85M | $812K | $5.63M | $20.19M | $26.38M | -$21.23M | $0 |
| Supplementary Data | |||||||
| Operating Cash Flow | $30.07M | $34.4M | $48.91M | $28.59M | $18.74M | $27.26M | $0 |
| Capital Expenditure | -$278K | -$160K | -$270K | -$310K | -$256K | -$106K | $0 |
| Free Cash Flow | $29.79M | $34.23M | $48.64M | $28.28M | $18.48M | $27.15M | $0 |
| Cash at Beginning | $63.41M | $62.6M | $56.97M | $36.78M | $10.4M | $31.64M | $0 |
| Cash at End | $98.27M | $63.41M | $62.6M | $56.97M | $36.78M | $10.4M | $0 |