ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is SB Financial Group, Inc. ?
1
High Profitability with a Net Interest Margin of -0.05%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at USD 12.71 MM
- OPERATING CASH FLOW(Y) Highest at USD 15.77 MM
- ROCE(HY) Highest at 0.95%
3
With ROA of 0.61%, it has a attractive valuation with a 1.08 Price to Book Value
- Over the past year, while the stock has generated a return of 0.20%, its profits have risen by 21.9% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 64.51%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.84% over the previous quarter.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 0.20% in the last 1 year, much lower than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SB Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SB Financial Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
SB Financial Group, Inc.
0.2%
1.28
33.28%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.63%
EBIT Growth (5y)
-6.83%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.40%
Pledged Shares
0
Institutional Holding
64.51%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.08
EV to EBIT
9.50
EV to EBITDA
8.50
EV to Capital Employed
1.08
EV to Sales
1.99
PEG Ratio
0.38
Dividend Yield
0.36%
ROCE (Latest)
11.40%
ROE (Latest)
9.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 12.71 MM
OPERATING CASH FLOW(Y)
Highest at USD 15.77 MM
ROCE(HY)
Highest at 0.95%
NET SALES(Q)
Highest at USD 19.27 MM
GROSS NPA (%)
(Q
NET PROFIT(9M)
Higher at USD 11.8 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 4.98 MM
PRE-TAX PROFIT(Q)
Highest at USD 4.98 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 0.95%
Here's what is working for SB Financial Group, Inc.
NII
Highest at USD 12.71 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 19.27 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Non Performing Loans (%)
Lowest at 0.39%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Cash Flow
Highest at USD 15.77 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 4.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 4.98 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 11.8 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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