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Upturn AI SWOT - About
SB Financial Group Inc (SBFG)
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Upturn Advisory Summary
08/14/2025: SBFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23
1 Year Target Price $23
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.05% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 134.97M USD | Price to earnings Ratio 11.65 | 1Y Target Price 23 |
Price to earnings Ratio 11.65 | 1Y Target Price 23 | ||
Volume (30-day avg) 1 | Beta 0.33 | 52 Weeks Range 13.84 - 23.98 | Updated Date 08/15/2025 |
52 Weeks Range 13.84 - 23.98 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.68% | Basic EPS (TTM) 1.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 0.54 | Actual 0.58 |
Profitability
Profit Margin 19.6% | Operating Margin (TTM) 27.82% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 9.26% |
Valuation
Trailing PE 11.65 | Forward PE 12.3 | Enterprise Value 134703872 | Price to Sales(TTM) 2.2 |
Enterprise Value 134703872 | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 3.04 | Enterprise Value to EBITDA - | Shares Outstanding 6330900 | Shares Floating 4536852 |
Shares Outstanding 6330900 | Shares Floating 4536852 | ||
Percent Insiders 10.56 | Percent Institutions 63.17 |
Upturn AI SWOT
SB Financial Group Inc
Company Overview
History and Background
SB Financial Group Inc. traces its roots back to 1901 with the founding of State Bank. Throughout its history, it has expanded its services and geographical presence, evolving into a diversified financial institution serving communities in Ohio, Indiana, and Michigan. Key milestones include acquisitions of other banks and financial service providers, and the expansion into wealth management and insurance services. It incorporated as a holding company in 1984.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment advisory services, financial planning, and trust services to individuals and families.
- Insurance Services: Provides insurance products to both retail and commercial clients.
Leadership and Structure
The leadership team comprises experienced banking professionals with expertise in community banking, finance, and operations. The organizational structure typically includes a board of directors, executive management team, and various operational departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes such as working capital, equipment financing, and real estate acquisition. Market share data specific to SB Financial Group Inc. is not widely available, but competition includes regional and national banks like Huntington Bancshares (HBAN) and Fifth Third Bancorp (FITB).
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Competitors include national mortgage lenders like Rocket Mortgage and local banks.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competition includes national and regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and rapid technological advancements. Community banks face challenges from larger national banks and fintech companies.
Positioning
SB Financial Group Inc. positions itself as a community-focused bank that provides personalized service and local expertise. Its competitive advantages include strong customer relationships and a deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The TAM for community banking in the US is estimated at hundreds of billions of dollars. SB Financial Group Inc. is positioned to capture a portion of this TAM through its community-focused strategy and expansion into new markets.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified product offerings
- Local market expertise
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Higher operating costs than some fintech companies
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturns
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- CMA
Competitive Landscape
SB Financial Group Inc. faces competition from larger regional and national banks, as well as fintech companies. Its advantages include its community focus and local market expertise. Disadvantages include smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: SB Financial Group Inc. has experienced moderate growth in recent years, driven by organic growth and acquisitions.
Future Projections: Analyst estimates project continued growth for SB Financial Group Inc., driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of wealth management services.
Summary
SB Financial Group Inc. is a community-focused bank with a stable financial performance and a history of growth. Its strengths lie in its strong community relationships and local market expertise. It faces challenges from larger competitors and the need to adapt to technological advancements. The company needs to look out for increased regulatory scrutiny.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data is based on available information and may not be entirely accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SB Financial Group Inc
Exchange NASDAQ | Headquaters Defiance, OH, United States | ||
IPO Launch date 1999-01-04 | Chairman, President & CEO Mr. Mark A. Klein | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 256 | |
Full time employees 256 | |||
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.
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