OTCPK:CBBI

Stock Analysis Report

Executive Summary

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States.

Snowflake

Fundamentals

Flawless balance sheet and undervalued.

Risks

  • CBB Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has CBB Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.09%

OTCPK:CBBI

-1.8%

US Banks

0.2%

US Market


1 Year Return

-25.5%

OTCPK:CBBI

-15.3%

US Banks

-0.7%

US Market

CBBI underperformed the Banks industry which returned -13.6% over the past year.

CBBI underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

CBBIIndustryMarket
7 Day0.09%-1.8%0.2%
30 Day-4.0%-6.4%-2.7%
90 Day-8.3%-4.0%1.6%
1 Year-25.5%-25.5%-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is CBB Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is CBB Bancorp undervalued based on future cash flows and its price relative to the stock market?

47%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

CBB Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).

CBB Bancorp's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

CBB Bancorp is good value based on earnings compared to the US Banks industry average.

CBB Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for CBB Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

CBB Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is CBB Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if CBB Bancorp is high growth as no revenue estimate data is available.

CBB Bancorp's earnings are expected to grow by 5.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare CBB Bancorp's revenue growth to the United States of America market average as no estimate data is available.

CBB Bancorp's earnings growth is positive but not above the United States of America market average.

CBB Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if CBB Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has CBB Bancorp performed over the past 5 years?

8.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

CBB Bancorp's year on year earnings growth rate has been positive over the past 5 years.

CBB Bancorp's 1-year earnings growth exceeds its 5-year average (13.1% vs 8.1%)

CBB Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (13.1% vs 33.2%).


Return on Equity

CBB Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

CBB Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if CBB Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is CBB Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

CBB Bancorp has an acceptable proportion of non-loan assets held.

CBB Bancorp has a sufficient allowance for bad loans.

CBB Bancorp's liabilities are made up of primarily low risk sources of funding.

CBB Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at CBB Bancorp are broadly funded by customer deposits.

CBB Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is CBB Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate CBB Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate CBB Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as CBB Bancorp has not reported any payouts.

Unable to verify if CBB Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as CBB Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of CBB Bancorp's salary, the management and board of directors tenure and is there insider trading?

1.6yrs

Average management tenure


CEO

Joanne Kim (64yo)

2.6yrs

Tenure

0

Ms. Joanne Kim has been Chief Executive Officer and President of Commonwealth Business Bank since April 19, 2011. Ms. Kim has been Chief Executive Officer, President and Director of CBB Bancorp Inc. since  ...


Management Age and Tenure

1.6yrs

Average Tenure

The average tenure for the CBB Bancorp management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.6yrs

Average Tenure

66yo

Average Age

The average tenure for the CBB Bancorp board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Chris Barber

    Executive VP & Chief Information Officer

    • Tenure: 0.0yrs
  • Joanne Kim (64yo)

    President

    • Tenure: 2.6yrs
  • Long Huynh

    Executive VP & CFO

    • Tenure: 0.5yrs
  • Alex Choi

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs
  • Alicia Lee

    Senior VP & Chief Operations Administrator

    • Tenure: 0.0yrs
  • Andrew Kim

    Senior VP & Chief Lending Officer

    • Tenure: 0.0yrs
  • Tippi Manske

    Senior VP & Chief Risk Officer

    • Tenure: 1.6yrs

Board Members

  • Al Kang (74yo)

    Director

    • Tenure: 2.6yrs
  • Joanne Kim (64yo)

    President

    • Tenure: 2.6yrs
  • Linda Iannone (61yo)

    Director

    • Tenure: 0.9yrs
  • Wonsook Chong (59yo)

    Director

    • Tenure: 2.6yrs
  • Chuck Choong

    Director

    • Tenure: 0.0yrs
  • Chuck Yea (69yo)

    Director

    • Tenure: 2.6yrs
  • Soon Pak (68yo)

    Chairwoman of the Board

    • Tenure: 2.6yrs

Company Information

CBB Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CBB Bancorp, Inc.
  • Ticker: CBBI
  • Exchange: OTCPK
  • Founded: 2005
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$110.636m
  • Shares outstanding: 10.14m
  • Website: https://www.cbb-bank.com

Number of Employees


Location

  • CBB Bancorp, Inc.
  • 3435 Wilshire Boulevard
  • Suite 700
  • Los Angeles
  • California
  • 90010
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBBIOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDSep 2017

Biography

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, in ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:10
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.