SB Financial Group, Inc. (SBFG) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Union Bankshares, Inc. (Vermont)

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

Sound Financial Bancorp, Inc.

BankFinancial Corp.

Why is SB Financial Group, Inc. ?

High Profitability with a Net Interest Margin of -0.05%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
GROSS NPA (%)(Q) Lowest at 0.32%
ROCE(HY) Highest at 1.04%
NET SALES(Q) Highest at USD 19.31 MM

With ROA of 0.55%, it has a attractive valuation with a 1.09 Price to Book Value

Over the past year, while the stock has generated a return of 32.47%, its profits have risen by 21.9% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 64.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 32.47% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

SB Financial Group, Inc.

32.47%

1.87

34.43%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.63%

EBIT Growth (5y)

-7.18%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.48%

Pledged Shares

Institutional Holding

64.73%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.09

EV to EBIT

9.94

EV to EBITDA

8.54

EV to Capital Employed

1.10

EV to Sales

1.99

PEG Ratio

0.39

Dividend Yield

0.35%

ROCE (Latest)

11.06%

ROE (Latest)

9.87%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

GROSS NPA (%)

ROCE(HY)

Highest at 1.04%

NET SALES(Q)

Highest at USD 19.31 MM

OPERATING PROFIT(Q)

Highest at USD 5.27 MM

PRE-TAX PROFIT(Q)

Highest at USD 5.28 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 27.31 %

NET PROFIT(Q)

Highest at USD 4.29 MM

EPS(Q)

Highest at USD 0.69

-3What is not working for the Company

ROCE(HY)

Lowest at 1.04%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 22.58%

Here's what is working for SB Financial Group, Inc.

Non Performing Loans (%)

Lowest at 0.32% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Net Sales

Highest at USD 19.31 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit

Highest at USD 5.27 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 5.28 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Operating Profit Margin

Highest at 27.31 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

Highest at USD 4.29 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.69

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for SB Financial Group, Inc.

Dividend Payout Ratio

Lowest at 22.58%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)