CBB Bancorp (CBBI) Stock Analysis & Winston Score

CBB Bancorp is a small community bank holding company based in Los Angeles, California. It operates through its subsidiary, Commonwealth Business Bank, which provides banking services mainly to small and mid-sized businesses, as well as individuals. The bank focuses heavily on the Korean-American business community in Southern California.

The company makes money the traditional banking way — it takes in deposits and earns interest by lending that money out through business loans, real estate loans, and lines of credit. CBB Bancorp operates primarily in California, with a market cap of around $100 million, making it a very small regional bank. Its niche focus on the Korean-American community gives it a defined customer base, but that same concentration is also a risk — if that community faces economic stress, or if larger banks compete more aggressively for ethnic-niche customers, CBB's growth could slow. Rising interest rates and credit quality in its loan portfolio remain key factors to watch.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+28.6% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$14M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

CBB Bancorp is growing revenue at 8% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

56.5%

Premium pricing power — 56.5% gross margin

Operating Margin

24.7%

Excellent — 24.7% operating margin

ROCE

2.9%

Weak — 2.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+13.9%

Fast-growing sales (13.9% YoY)

EPS YoY

-9.5%

Earnings shrinking (-9.5% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

0.67x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

7.3x

no trend

Attractive valuation — P/E 7.3

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

3.61%

no trend

Moderate income — 3.61% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+25.0%

no trend

Dividend growing fast (25.0% YoY)

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