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Company Analysis

SB Financial Group, Inc. SBFG

A comprehensive view of key metrics, scores, and financial health for SB Financial Group, Inc.

Overview of SB Financial Group, Inc.

SBFG NCM
Financial Services Banks - Regional Micro Cap
SB Financial Group, Inc. (SBFG), is a Micro Cap company, in the Banks - Regional industry, last closed at $19.88, about 13.8% undervalued vs fair value, +0.3% 1Y return, ranked 455/1004 in sector.
$19.88
-1.92%
As of March 13, 2026
Previous close • Vol 90d: 36.1%
52-Week Range
Market Cap
$128.40M
Enterprise Value
$131.14M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://ir.yourstatebank.com/c...
HQ Defiance, OH
Employees 252
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$23
$42
Current: $19.88 +14% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$64.3M
10.7%%
Interest Expense
$25.5M
Net Interest Income
$39.9M
1.7%%
Total Revenue
$91.0M
59.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.5M
74.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating SB Financial Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
58
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SBFG's balance between Growth (38.7%), Profitability (30.4%), and Safety (31.0%). Growth 39% Safety 31% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
59
Key Signals
Asset Growth YoY 12.0% 82p Rev Growth YoY 59.9% 53p Revenue CAGR 3Y 16.5% 40p
Strengths
  • Asset Growth Yoy in top 20% of peers (12.0%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

46th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for SB Financial Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$22.62
- - -
+13.8% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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