FFB Bancorp
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 busi… Read more
FFB Bancorp (FFBB) - Net Assets
Latest net assets as of December 2025: $184.79 Million USD
Based on the latest financial reports, FFB Bancorp (FFBB) has net assets worth $184.79 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.58 Billion) and total liabilities ($1.40 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $184.79 Million |
| % of Total Assets | 11.68% |
| Annual Growth Rate | 23.54% |
| 5-Year Change | 106.96% |
| 10-Year Change | N/A |
| Growth Volatility | 13.28 |
FFB Bancorp - Net Assets Trend (2019–2025)
This chart illustrates how FFB Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for FFB Bancorp (2019–2025)
The table below shows the annual net assets of FFB Bancorp from 2019 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $184.79 Million | +9.74% |
| 2024-12-31 | $168.39 Million | +28.84% |
| 2023-12-31 | $130.70 Million | +41.51% |
| 2022-12-31 | $92.36 Million | +3.43% |
| 2021-12-31 | $89.29 Million | +30.26% |
| 2020-12-31 | $68.55 Million | +31.92% |
| 2019-12-31 | $51.96 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to FFB Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 683.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $171.72 Million | 92.93% |
| Other Components | $13.07 Million | 7.07% |
| Total Equity | $184.79 Million | 100.00% |
FFB Bancorp Competitors by Market Cap
The table below lists competitors of FFB Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SKYX Platforms Corp
NASDAQ:SKYX
|
$124.76 Million |
|
Kwong Lung Enterprise Co Ltd
TWO:8916
|
$124.79 Million |
|
Bank Yudha Bhakti Tbk
JK:BBYB
|
$124.83 Million |
|
Tus-Design Group Co Ltd Class A
SHE:300500
|
$124.87 Million |
|
Context Therapeutics Inc
NASDAQ:CNTX
|
$124.73 Million |
|
Sam Young Chem
KO:003720
|
$124.71 Million |
|
Jiangsu Jingxue Insulation
SHE:301010
|
$124.67 Million |
|
Min Aik Technology Co Ltd
TW:3060
|
$124.67 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in FFB Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 168,392,000 to 184,795,000, a change of 16,403,000 (9.7%).
- Net income of 23,583,000 contributed positively to equity growth.
- Other factors decreased equity by 7,180,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $23.58 Million | +12.76% |
| Other Changes | $-7.18 Million | -3.89% |
| Total Change | $- | 9.74% |
Book Value vs Market Value Analysis
This analysis compares FFB Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.14x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.99x to 1.14x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $17.67 | $70.50 | x |
| 2020-12-31 | $22.82 | $70.50 | x |
| 2021-12-31 | $29.08 | $70.50 | x |
| 2022-12-31 | $29.41 | $70.50 | x |
| 2023-12-31 | $41.21 | $70.50 | x |
| 2024-12-31 | $53.02 | $70.50 | x |
| 2025-12-31 | $61.64 | $70.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently FFB Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.76%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.25%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.56x
- Recent ROE (12.76%) is below the historical average (20.70%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 17.71% | 35.17% | 0.05x | 10.36x | $4.01 Million |
| 2020 | 16.79% | 33.35% | 0.04x | 12.72x | $4.66 Million |
| 2021 | 22.99% | 42.06% | 0.05x | 12.10x | $11.60 Million |
| 2022 | 28.72% | 43.18% | 0.05x | 14.02x | $17.29 Million |
| 2023 | 25.68% | 41.65% | 0.06x | 10.44x | $20.49 Million |
| 2024 | 20.28% | 37.39% | 0.06x | 8.93x | $17.31 Million |
| 2025 | 12.76% | 25.25% | 0.06x | 8.56x | $5.10 Million |
Industry Comparison
This section compares FFB Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| FFB Bancorp (FFBB) | $184.79 Million | 17.71% | 7.56x | $124.74 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |