SB Financial Group Inc (SBFG) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
SB Financial Group Inc stock (SBFG) is currently trading at $20.18. SB Financial Group Inc PE ratio is 9.51. SB Financial Group Inc PS ratio (Price-to-Sales) is 2.03. Analyst consensus price target for SBFG is $24.00. WallStSmart rates SBFG as Hold.
- SBFG PE ratio analysis and historical PE chart
- SBFG PS ratio (Price-to-Sales) history and trend
- SBFG intrinsic value — DCF, Graham Number, EPV models
- SBFG stock price prediction 2025 2026 2027 2028 2029 2030
- SBFG fair value vs current price
- SBFG insider transactions and insider buying
- Is SBFG undervalued or overvalued?
- SB Financial Group Inc financial analysis — revenue, earnings, cash flow
- SBFG Piotroski F-Score and Altman Z-Score
- SBFG analyst price target and Smart Rating
SB Financial Group Inc
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SBFG Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · SB Financial Group Inc (SBFG)
SBFG trades at a significant discount to its Graham intrinsic value of $61.85, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
SB Financial Group Inc (SBFG) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
SB Financial Group Inc (SBFG) Key Strengths (4)
Keeps $31 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $22 of every $100 in revenue as net profit
53.45% held by institutions, strong professional interest
Supporting Valuation Data
SB Financial Group Inc (SBFG) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 7.50%
Moderate profitability with room for improvement
Revenue is fairly priced at 2.03x sales
Solid earnings growth at 13.40%
SB Financial Group Inc (SBFG) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 31.40%, Profit Margin at 21.60%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Return on Equity. Some valuation metrics including Price/Sales (2.03) suggest expensive pricing. Growth concerns include Revenue Growth at 7.50%, EPS Growth at 13.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SBFG Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SBFG's Price-to-Sales ratio of 2.03x trades 51% above its historical average of 1.35x (82th percentile), historically expensive. The current valuation is 20% below its historical high of 2.55x set in Aug 2018, and 578% above its historical low of 0.3x in Oct 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for SB Financial Group Inc (SBFG) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
SB Financial Group Inc is a mature, profitable business with steady cash generation. Revenue reached 65M with 8% growth year-over-year. Profit margins are strong at 21.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1040.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 21.6% and operating margin of 31.4% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact SB Financial Group Inc.
Bottom Line
SB Financial Group Inc is a well-established business delivering consistent profitability with 21.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About SB Financial Group Inc(SBFG)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.