Professional
Added to YB: 2026-09-01
Pitch date: 2026-08-30
FFBB [bullish]
FFB Bancorp
Author Info
River Oaks Capital is an investment fund that invests in a concentrated number of small, underfollowed micro cap & small cap public companies. Sign up for the newsletter.
Company Info
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.
Market Cap
$253.5M
Pitch Price
N/A
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
13.55
EV/Sales
N/A
Sector
Banks
Category
special_situation
River Oaks H1 fund letter - FFB Bank (FFBB)
FFBB (monitor): Fresno-based community bank and payment processor trades at 1.4x book and an 8-9% free-cash-flow yield on roughly $20M of depressed FCFE. The thesis rests on strong relationship banking, payments-driven fee income and low-cost deposits, with FCFE potentially returning to $25-30M if its consent order is lifted. FFB can grow with its six remaining ISOs but cannot onboard new partners until the FDIC confirms its enhanced oversight framework is functioning.
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