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SBFG vs V

SBFG
SB Financial Group, Inc.
BULLISH
Price
$22.54
Market Cap
$142.1M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
SBFG
10.29
V
28.35
Forward P/E
SBFG
8.74
V
20.79
P/B Ratio
SBFG
1.0
V
15.09
P/S Ratio
SBFG
2.2
V
14.08
EV/EBITDA
SBFG
--
V
20.06

Profitability

Gross Margin
SBFG
0.0%
V
97.78%
Operating Margin
SBFG
31.39%
V
68.3%
Profit Margin
SBFG
21.65%
V
50.23%
ROE
SBFG
10.4%
V
53.95%
ROA
SBFG
0.96%
V
18.36%

Growth

Revenue Growth
SBFG
7.5%
V
14.6%
Earnings Growth
SBFG
13.4%
V
17.4%

Financial Health

Debt/Equity
SBFG
--
V
0.55
Current Ratio
SBFG
--
V
1.11
Quick Ratio
SBFG
--
V
0.72

Dividends

Dividend Yield
SBFG
2.79%
V
0.89%
Payout Ratio
SBFG
27.4%
V
22.91%

AI Verdict

SBFG BULLISH

SBFG presents a compelling deep-value opportunity, anchored by a stable Piotroski F-Score of 4/9 and a current price ($22.54) that trades at a significant discount to both its Graham Number ($33.30) and Intrinsic Value ($59.35). The company demonstrates exceptional operational consistency, evidenced by a strong earnings beat track record over 25 consecutive quarters. While technical trends and insider sentiment are currently bearish, the fundamental valuation (P/B of 1.00 and P/E of 10.29) provides a substantial margin of safety. The combination of steady earnings growth and a sustainable dividend payout makes this a strong defensive play in the regional banking sector.

Strengths
Significant undervaluation relative to Graham Number ($33.3) and Intrinsic Value ($59.35)
Exceptional earnings track record with consistent beats over 25 quarters
Attractive valuation multiples (P/E 10.29, P/B 1.00)
Risks
Very bearish technical trend (10/100) suggesting short-term momentum headwinds
Lack of insider buying activity and recent director selling
Low analyst coverage (only 1 analyst), leading to potential information asymmetry
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

SBFG vs V: Head-to-Head Comparison

This page compares SB Financial Group, Inc. (SBFG) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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