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Upturn AI Summary - About
SB Financial Group Inc(SBFG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SBFG
10/28/2026: SBFG (3-star) is a STRONG-BUY. BUY for 139 days. Simulated Profits (39.25%). Updated daily EoD!
SB Financial Group is a regional banking holding company focused on serving communities in Ohio and Indiana through its subsidiary, The State Bank. The company benefits from a stable core deposit base and a conservative lending culture that supports consistent performance. Its primary growth opportunity lies in expanding fee-based wealth management services and potential strategic acquisitions in its regional footprint. Key risks include intense competition, sensitivity to interest rate cycles, and the geographic concentration of its loan portfolio. This stock may suit dividend-focused or value-oriented investors, though potential investors should monitor regional economic conditions and the company's ability to maintain efficiency.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits stable but modest growth characteristics typical of regional community banks. |
| Momentum investor | Mixed fit | Momentum potential is conditional on positive trends in regional bank stock performance and interest rate outlooks. |
| Value investor | Strong fit | The stock often trades at valuations reflective of tangible book value, which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | A history of consistent dividend payments makes it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While banking is regulated, regional concentration and interest rate risk present moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and regional economic conditions. |
| Valuation risk | Low | Current market pricing is generally aligned with industry peers' book value multiples. |
| Competition risk (regional banking) | Medium / high | Strong competition from both larger regional banks and local credit unions. |
| Business quality | Medium | The company maintains solid asset quality but lacks the scale of national peers. |
| Dividend income | Medium | Dividend sustainability depends on stable earnings and regulatory capital requirements. |
| Execution risk | Medium | Success relies on effective management of loan portfolios and interest rate exposure. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 62.89% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 191.34M USD | Price to earnings Ratio 11.46 | 1Y Target Price 29 |
Price to earnings Ratio 11.46 | 1Y Target Price 29 | ||
Volume (30-day avg) 13.9K shares | Beta 0.18 | 52 Weeks Range 17.66 - 32.93 | Updated Date 10/28/2026 |
52 Weeks Range 17.66 - 32.93 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 2.06% | Basic EPS (TTM) 2.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, agricultural, and residential loans minus interest paid on deposits. | The bank makes money by earning more from loans than it pays to deposit holders. |
| Non-Interest Income | Mortgage banking fees, wealth management fees, and deposit service charges. | These are fee-based revenues that provide diversification beyond just lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 0.62 | Actual 0.63 |
Profitability
Profit Margin 24.22% | Operating Margin (TTM) 26.52% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 11.84% |
Valuation
Trailing PE 11.46 | Forward PE 12.3 | Enterprise Value 144.33M | Price to Sales(TTM) 2.78 |
Enterprise Value 144.33M | Price to Sales(TTM) 2.78 | ||
Enterprise Value to Revenue 3.4 | Enterprise Value to EBITDA - | Shares Outstanding 6.25M | Shares Floating 5.42M |
Shares Outstanding 6.25M | Shares Floating 5.42M | ||
Percent Insiders 5.63 | Percent Institutions 52.64 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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