TBBKBancorp, Inc.
National Commercial Banks
- Revenue
- $141M
- 21% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$66M net debt
- AI in 10-K
- —
Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear116% of net incomeCash flow under 80% of net income
- Dilutive SBCFired14% of revenueOver 10% of revenue
- Payouts exceed cash flowFired143% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $8M | $86M | $99M | $117M | $141M | 21% |
| Net income | $111M | $130M | $192M | $218M | $228M | 4.9% |
| Operating cash flow | $84M | $120M | $187M | $210M | $265M | 26% |
| Capex | $2M | $5M | $13M | $5M | $7M | 43% |
| Stock-based comp | $9M | $8M | $11M | $15M | $20M | 31% |
| Buybacks | $40M | $60M | $100M | $252M | $378M | 50% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $5M | $8M | 128 | 104 |
| FY2024 | $8M | $11M | 136 | 117 |
| FY2023 | $3M | $6M | 136 | 93 |
| FY2022 | $6M | $7M | 112 | 82 |
| FY2021 | $5M | $12M | 185 | 140 |