SBFG
BULLISH
$22.54
Live
SB Financial Group, Inc. · NASDAQ
Target $24.0
(+6.5%)
$17.1
52W Range
$23.93
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 19, 2026
Market cap
$142.06M
P/E
10.29
ROE
10.4%
Profit margin
21.7%
Debt/Equity
N/A
Dividend yield
2.79%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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)
Sustainable dividend profile with a low payout ratio of 27.40%
Positive YoY earnings growth of 13.40%
Key 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
Regional bank sector exposure to interest rate volatility and credit risk
Piotroski F-Score of 4/9 indicates only 'stable' rather than 'strong' financial health
AI Fair Value Estimate
Based on comprehensive analysis
$38.5
+70.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
77
Strong
95
70
90
55
75
AI Verdict
Strong Value Play
Key drivers: Deep discount to intrinsic value, Consistent earnings surprises, Low P/B ratio
Confidence
80%
Value
95/100
Ref P/E 10.29, P/B 1.00, Graham Number $33.3
Positives
- Price is well below Graham Number
- P/B ratio of 1.00 is highly attractive for a profitable bank
- Forward P/E of 8.74 suggests further upside
Watchpoints
- Market cap is small ($0.14B), which may limit institutional interest
Future
70/100
Ref Growth rates and Forward P/E
Positives
- Steady YoY revenue growth (7.5%)
- Strong YoY earnings growth (13.4%)
Watchpoints
- Recent Q/Q EPS growth was slightly negative (-4.4%)
Past
90/100
Ref Quarterly Earnings Track Record
Positives
- Remarkable 25-quarter history of meeting or beating estimates
- Consistent positive price performance over 1Y, 3Y, and 5Y horizons
Watchpoints
No urgent risks highlighted.
Health
55/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski F-Score of 4/9 is in the 'Stable' range
Watchpoints
- F-Score is not in the 'Strong' (7-9) category
- Lack of Altman Z-Score data (typical for banks but limits deterministic health scoring)
Dividend
75/100
Ref Yield 2.79%, Payout 27.4%
Positives
- Very safe payout ratio (27.4%)
- Consistent dividend rate of $0.62
Watchpoints
- Yield (2.79%) is modest compared to some high-yield regional peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$22.54
Analyst Target
$24.0
Upside/Downside
+6.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SBFG and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SBFG
SB Financial Group, Inc.
Primary
|
+55.3% | +75.0% | +24.1% | +22.2% | +13.3% | +1.1% |
|
RMBI
Richmond Mutual Bancorporation, Inc.
Peer
|
+25.5% | +68.8% | +17.3% | +8.3% | +9.7% | +4.7% |
|
BWG
Legg Mason BW Global Income Opportunities Fund Inc.
Peer
|
+19.4% | +43.0% | +15.9% | +8.0% | +0.8% | +0.7% |
|
BGX
Blackstone Long-Short Credit Income Fund
Peer
|
+30.5% | +36.9% | -0.5% | -2.2% | +0.5% | -0.4% |
|
SCPQ
Social Commerce Partners Corporation
Peer
|
0.0% | 0.0% | 0.0% | 0.0% | +0.1% | +0.1% |
SBF
SB Financial Group, Inc.
Primary
5Y
+55.3%
3Y
+75.0%
1Y
+24.1%
6M
+22.2%
1M
+13.3%
1W
+1.1%
RMB
Richmond Mutual Bancorporation, Inc.
Peer
5Y
+25.5%
3Y
+68.8%
1Y
+17.3%
6M
+8.3%
1M
+9.7%
1W
+4.7%
BWG
Legg Mason BW Global Income Opportunities Fund Inc.
Peer
5Y
+19.4%
3Y
+43.0%
1Y
+15.9%
6M
+8.0%
1M
+0.8%
1W
+0.7%
BGX
Blackstone Long-Short Credit Income Fund
Peer
5Y
+30.5%
3Y
+36.9%
1Y
-0.5%
6M
-2.2%
1M
+0.5%
1W
-0.4%
SCP
Social Commerce Partners Corporation
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
+0.1%
1W
+0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.29
Forward P/E
8.74
PEG Ratio
N/A
P/B Ratio
1.0
P/S Ratio
2.2
EV/Revenue
2.25
EV/EBITDA
N/A
Market Cap
$142.06M
Profitability
Profit margins and return metrics
Profit Margin
21.65%
Operating Margin
31.39%
Gross Margin
N/A
ROE
10.4%
ROA
0.96%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.5%
Earnings Growth
+13.4%
Q/Q Revenue Growth
+6.25%
Q/Q Earnings Growth
+7.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$11.77
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
23.9%
Total Assets
$1.5B
Liabilities
$1.4B
Equity
$0.1B
Debt/Equity
9.94x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-29
$0.65
+1.6% surprise
2025-10-30
$0.68
+9.7% surprise
2025-07-24
$0.58
+7.4% surprise
Financial Services Sector Comparison
Comparing SBFG against 525 companies in the Financial Services sector
(96 bullish, 216 neutral, 213 bearish)
P/E Ratio
10.29
This Stock
vs
43.93
Sector Avg
-76.6%
(Discount)
Return on Equity (ROE)
10.4%
This Stock
vs
0.14%
Sector Avg
+7184.8%
(Excellent)
Profit Margin
21.65%
This Stock
vs
46.8%
Sector Avg
-53.7%
(Weaker)
Revenue Growth
7.5%
This Stock
vs
40.4%
Sector Avg
-81.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SBFG
SB Financial Group, Inc.
|
BULLISH | $142.06M | 10.29 | 10.4% | 21.7% | $22.54 | |
|
RMBI
Richmond Mutual...
|
BULLISH | $142.1M | 12.44 | 8.3% | 24.8% | $14.55 | Compare |
|
BWG
Legg Mason BW Global...
|
BEARISH | $142.23M | 9.21 | -% | -% | $8.47 | Compare |
|
BGX
Blackstone Long-Short...
|
BEARISH | $148.05M | 12.39 | -% | -% | $11.65 | Compare |
|
SCPQ
Social Commerce Partners...
|
BEARISH | $135.46M | - | -% | -% | $9.9 | Compare |
SBFG
SB Financial Group, Inc.
BULLISH
Mkt Cap
$142M
P/E
10.3
ROE
10.4%
Price
$22.54
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-04 | STRAUSBAUGH SUE ANN | Director | Purchase | 48 | $993 |
| 2026-02-05 | KISSNER RITA A | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | HARDGROVE RICHARD L | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | HARDGROVE RICHARD L | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | KLEIN MARK A | Chief Executive Officer | Stock Award | 7,348 | $162,685 |
| 2026-02-05 | FINN GAYLYN J | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | COSENTINO ANTHONY VAN | Chief Financial Officer | Stock Award | 3,672 | $81,298 |
| 2026-02-05 | STOLLY TIMOTHY J | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | CARTER GEORGE W | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | MARTIN WILLIAM G | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | HELBERG TOM R | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | GAYTAN GARCIAO JUAN ERNESTO | Officer | Stock Award | 3,672 | $81,298 |
| 2026-02-05 | DILLER KEETA JANE | Officer | Stock Award | 3,672 | - |
| 2026-02-05 | CLAXTON TIMOTHY L. | Director | Stock Award | 1,150 | $25,461 |
| 2026-02-05 | WALZ STEVEN A. | Officer | Stock Award | 3,672 | - |
STRAUSBAUGH SUE ANN
Director
2026-03-04
48 shares
·
$993
KISSNER RITA A
Director
2026-02-05
1,150 shares
·
$25,461
HARDGROVE RICHARD L
Director
2026-02-05
1,150 shares
·
$25,461
HARDGROVE RICHARD L
Director
2026-02-05
1,150 shares
·
$25,461
KLEIN MARK A
Chief Executive Officer
2026-02-05
7,348 shares
·
$162,685
FINN GAYLYN J
Director
2026-02-05
1,150 shares
·
$25,461
COSENTINO ANTHONY VAN
Chief Financial Officer
2026-02-05
3,672 shares
·
$81,298
STOLLY TIMOTHY J
Director
2026-02-05
1,150 shares
·
$25,461
CARTER GEORGE W
Director
2026-02-05
1,150 shares
·
$25,461
MARTIN WILLIAM G
Director
2026-02-05
1,150 shares
·
$25,461
HELBERG TOM R
Director
2026-02-05
1,150 shares
·
$25,461
GAYTAN GARCIAO JUAN ERNESTO
Officer
2026-02-05
3,672 shares
·
$81,298
DILLER KEETA JANE
Officer
2026-02-05
3,672 shares
CLAXTON TIMOTHY L.
Director
2026-02-05
1,150 shares
·
$25,461
WALZ STEVEN A.
Officer
2026-02-05
3,672 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-K
DEF 14A
8-K
8-K
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning SBFG from our newsroom.
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