SB Financial Group Inc Dossier
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SectorFinancials IndustryRegional Banks Beta (adjusted)0.46 Intrinsic Value $17.63median of 2 methodsbased on filings through 30 Jun 2026 Market Price $29.40Price as of 1 Oct 2026 OvervaluedIntrinsic value is 40% below the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $183.8M Enterprise Value $72.1M Shares Outstanding 6.1M diluted Next Earnings Date22 Oct 2026 Last ex-dividend14 Aug 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary SB Financial Group, Inc. (SBFG) presents a compelling investment opportunity in the regional banking sector, driven by robust balance sheet growth, expanding net interest margins, and strategic market expansion. The successful integration of the Marblehead acquisition has significantly bolstered the company's funding base and market presence in Northern Ohio. SBFG's diversified revenue model, which balances core net interest income with fee-based services such as mortgage banking, wealth management, and title insurance, positions it well to navigate interest rate volatility. With a strong capital position classified as 'well capitalized' and a consistent track record of 61 consecutive profitable quarters, SBFG is poised to deliver long-term shareholder value. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$25.00 Mean target$25.00 High · most bullish analyst$25.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 19 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $21.4115% Prolonged elevated interest rates lead to higher funding costs and deposit migration to higher-yielding alternatives, compressing the net interest margin. A severe downturn in the housing market dampens mortgage origination volumes and fee income, while rising credit provisions for commercial and agricultural loans impact profitability, dragging ROAA below 0.85%. Base CaseCentral scenario $25.0060% Matches the consensus meanSBFG maintains steady high single-digit loan growth and stable net interest margins. Mortgage origination volumes meet management's full-year guidance of $310–$330 million. The company continues to leverage its expanded footprint in Northern Ohio and Northeast Indiana, maintaining an ROAA of approximately 1.10% and steady dividend payouts. Bull CaseUpside scenario $25.2025% Accelerated loan growth in the Tri-State region combined with a faster-than-expected recovery in the mortgage banking sector drives operating revenue and net income significantly above consensus. The Marblehead acquisition yields higher-than-anticipated cost synergies and deposit retention, pushing the efficiency ratio below 65% and ROAA above 1.25%. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
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All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |