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Upturn AI SWOT - About
SBFG 
SB Financial Group Inc (SBFG)
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Upturn Advisory Summary
10/15/2025: 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 16.95% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 116.71M USD | Price to earnings Ratio 10.07 | 1Y Target Price 23 |
Price to earnings Ratio 10.07 | 1Y Target Price 23 | ||
Volume (30-day avg) 1 | Beta 0.27 | 52 Weeks Range 16.98 - 23.98 | Updated Date 10/17/2025 |
52 Weeks Range 16.98 - 23.98 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.94% | Basic EPS (TTM) 1.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.6% | Operating Margin (TTM) 27.82% |
Management Effectiveness
Return on Assets (TTM) 0.85% | Return on Equity (TTM) 9.26% |
Valuation
Trailing PE 10.07 | Forward PE 12.3 | Enterprise Value 116439216 | Price to Sales(TTM) 1.91 |
Enterprise Value 116439216 | Price to Sales(TTM) 1.91 | ||
Enterprise Value to Revenue 2.81 | Enterprise Value to EBITDA - | Shares Outstanding 6330904 | Shares Floating 4908983 |
Shares Outstanding 6330904 | Shares Floating 4908983 | ||
Percent Insiders 10.56 | Percent Institutions 56.65 |
Upturn AI SWOT
SB Financial Group Inc
Company Overview
History and Background
SB Financial Group Inc. was founded in 1901. It operates as the holding company for State Bank and Trust Company, providing community banking services in Ohio, Indiana, and Michigan. Over the years, it has grown through organic expansion and acquisitions, focusing on serving small businesses and individuals.
Core Business Areas
- Commercial Banking: Provides commercial loans, lines of credit, and treasury management services to businesses.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and wealth management services to individuals and families.
Leadership and Structure
The leadership team consists of Mark A. Klein (Chairman, President, and CEO) and other senior executives overseeing various departments. The organizational structure is typical for a regional bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, expansion, and other purposes. Competitors include larger national banks and other regional banks in its market. Market share data not publicly available at a granular level.
- Mortgages: Offers residential mortgage loans to individuals. Competitors include national mortgage lenders, credit unions, and other banks. Market share data not publicly available at a granular level.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include all banks and credit unions operating within its geographic footprint. Market share data not publicly available at a granular level.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes. Economic conditions heavily influence the industry.
Positioning
SB Financial Group Inc. operates as a community bank, focusing on building relationships with local customers and businesses. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in SB Financial's operating region encompasses all individuals and businesses requiring financial services. SB Financial's positioning emphasizes a community-focused approach to capture a portion of this market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- Good asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on net interest income
- Exposure to regional economic fluctuations
Opportunities
- Expansion into new markets within its region
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in its operating region
- Regulatory changes
Competitors and Market Share
Key Competitors
- OZK
- BOKF
- CMA
Competitive Landscape
SB Financial Group Inc. competes with larger regional and national banks, as well as credit unions and fintech companies. Its competitive advantages include its local market knowledge and personalized service, but is relatively small compared to competitors.
Major Acquisitions
acquired Citizens National Bank
- Year: 2016
- Acquisition Price (USD millions): 30.6
- Strategic Rationale: This acquisition allowed SB Financial Group Inc. to expand its presence in Northwest Ohio.
Growth Trajectory and Initiatives
Historical Growth: SB Financial Group Inc. has experienced moderate growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by loan growth and efficiency improvements.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets within its region.
Summary
SB Financial Group Inc. appears to be a moderately stable company with consistent growth. The company's strength lies in its local market presence and customer relationships. Challenges include competition from larger banks and fintech companies. Future success will depend on adapting to the evolving banking landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Financial news websites
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
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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