Stock fact sheet · data as of
FFB Bancorp (FFBB): fair value, margin of safety and Wheel Score
Ticker symbol FFBB · Financial Services · Banks - Regional · United States · Blend
Is FFBB undervalued?
At 87.30 (close of 5 Nov 2026), FFBB trades 48% below the GLS average fair value of 168.34. That average comes from 8 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns FFB Bancorp the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 8 models disagree widely: Lynch gives 25.12 while DCF gives 374.17. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for FFBB, so the nightly engine files it under Blend (value score 61, growth score 45, out of 100).
Nine valuation models for FFBB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 374.17 | +329% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 93.50 | +7% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 101.30 | +16% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 25.12 | -71% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 128.60 | +47% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 257.66 | +195% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 296.62 | +240% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 69.77 | -20% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -481.64 | -652% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for FFBB (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is 9.3 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 10.6%, ROE 12.8%, ROA 1.5% - with debt at 0.21 times equity and negative free cash flow.
FFB Bancorp pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 10.6% |
|---|---|---|---|
| GLS Moat | 9.3 / 10 | ROE | 12.8% |
| Debt / equity | 0.21 | ROA | 1.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 36: No options
FFBB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (36 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $248M, with a beta of 0.28 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $248M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 48% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 9.3/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.28, $248M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FFBB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to FFB Bancorp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| LYBC Lyons Bancorp Inc. | 73.50 | 112.94 | +35% | 33No options | $249M |
| EFSI Eagle Financial Services, Inc. | 46.45 | 36.14 | -29% | 21No options | $251M |
| RMBI Richmond Mutual Bancorporation, Inc. | 15.83 | 11.94 | -33% | 18No options | $254M |
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.51 | 45.57 | +2% | 21No options | $243M |
| FFMH First Farmers and Merchants Corporation | 65.00 | 79.57 | +18% | 29No options | $257M |
| CMTV Community Bancorp | 45.96 | 50.73 | +9% | 30No options | $258M |
| NKSH National Bankshares, Inc. | 40.61 | 46.13 | +12% | 25No options | $259M |
| CFBK CF Bankshares Inc. | 35.56 | 48.76 | +27% | 30No options | $238M |
| INBK First Internet Bancorp | 27.13 | 76.57 | +65% | 47Weak | $237M |
| CZWI Citizens Community Bancorp, Inc. | 24.40 | 27.79 | +12% | 24No options | $234M |
| FOTB First Ottawa Bancshares, Inc. | 241.25 | 793.83 | +70% | 33No options | $233M |
| INBKZ First Internet Bancorp - Fixed- | 25.37 | 95.33 | +73% | 32No options | $233M |
⚖ Compare FFBB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FFBB
Is FFBB undervalued right now?
By the GLS models, yes: at 87.30 the stock is 48% below the average fair value of 168.34 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FFBB and what does it mean?
FFBB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for FFBB?
168.34 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does FFB Bancorp report earnings next?
No upcoming earnings date is recorded for FFBB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does FFBB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FFBB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.