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Upturn AI SWOT - About
SB Financial Group Inc (SBFG)
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Upturn Advisory Summary
06/30/2025: SBFG (1-star) is currently NOT-A-BUY. Pass it for now.
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 12.54% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 119.87M USD | Price to earnings Ratio 10.81 | 1Y Target Price 23 |
Price to earnings Ratio 10.81 | 1Y Target Price 23 | ||
Volume (30-day avg) 1 | Beta 0.25 | 52 Weeks Range 12.81 - 24.15 | Updated Date 06/30/2025 |
52 Weeks Range 12.81 - 24.15 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 1.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.15% | Operating Margin (TTM) 17.21% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 8.82% |
Valuation
Trailing PE 10.81 | Forward PE 12.3 | Enterprise Value 89204584 | Price to Sales(TTM) 2.04 |
Enterprise Value 89204584 | Price to Sales(TTM) 2.04 | ||
Enterprise Value to Revenue 2.95 | Enterprise Value to EBITDA - | Shares Outstanding 6525130 | Shares Floating 4731043 |
Shares Outstanding 6525130 | Shares Floating 4731043 | ||
Percent Insiders 10.24 | Percent Institutions 52.61 |
Analyst Ratings
Rating 1 | Target Price 23 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SB Financial Group Inc
Company Overview
History and Background
SB Financial Group, Inc. (SBFG) was founded in 1903 as State Bank, a community bank based in Defiance, Ohio. It has grown organically and through acquisitions, evolving into a diversified financial services provider.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial products to individuals and small businesses.
- Wealth Management: Offers wealth management services including investment advice, financial planning, and trust services.
Leadership and Structure
Mark A. Klein is the Chairman, President & CEO. The company has a board of directors and operates through various departments managing different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data is not publicly available at a granular level. Competitors include larger regional and national banks.
- Residential Mortgages: Offers mortgage products for home purchases and refinancing. Market share data is not publicly available at a granular level. Competitors include national mortgage lenders.
- Deposit Accounts: checking and savings accounts for individuals and businesses, no market share data. Competitors: Chase, Fifth Third, Huntington
Market Dynamics
Industry Overview
The banking industry is undergoing consolidation and facing increased regulatory scrutiny and competition from fintech companies. Interest rate environment also impacts profitability.
Positioning
SB Financial Group positions itself as a community-focused bank, emphasizing personalized service and local expertise. Competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking and wealth management is substantial, covering individuals and businesses requiring financial services. SB Financial Group is positioned to capture a share of this market within its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified revenue streams
- Solid capital position
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on local economy
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Increased wealth management penetration
- Digital banking initiatives
Threats
- Increased competition from larger banks and fintechs
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FFBC
- CFBK
- WTFC
Competitive Landscape
SB Financial Group competes with larger regional and national banks, as well as smaller community banks and credit unions. It differentiates itself through personalized service and local expertise. Market share data is extremely fragmented due to being a regional banking structure.
Major Acquisitions
acquired companies have not been disclosed to the public
- Year: 2005
- Acquisition Price (USD millions): 22.4
- Strategic Rationale: Expansion into new markets and increased market share.
Growth Trajectory and Initiatives
Historical Growth: SB Financial Group has grown through organic expansion and acquisitions, increasing its assets and customer base over time.
Future Projections: Analyst estimates for future growth are not dynamically available and would require access to financial data platforms. Growth will depend on economic conditions, competition, and execution of strategic initiatives.
Recent Initiatives: Recent initiatives may include digital banking enhancements, expansion into new markets, and strategic acquisitions.
Summary
SB Financial Group is a community-focused bank with a diversified revenue stream. It shows stability and some growth, and needs to watch out for rising rates. The company is smaller than others in the same industry so must watch out for the competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
Disclaimers:
The data provided is based on publicly available information and estimates. Market share data may not be precise. This analysis is for informational purposes only and should not be considered financial advice.
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 262 | |
Full time employees 262 | |||
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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