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 Jun 26
- The company has declared positive results for the last 5 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 0.29%
- OPERATING CASH FLOW(Y) Highest at USD 24.79 MM
- ROCE(HY) Highest at 1.08%
3
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 46.64%, its profits have risen by 21.9% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 66.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.84% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 46.64% 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 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?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
SB Financial Group, Inc.
46.64%
3.29
34.95%
S&P 500
15.76%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.63%
EBIT Growth (5y)
-7.18%
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
27.48%
Pledged Shares
0
Institutional Holding
64.73%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
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 
Financial Trend21What is working for the Company
GROSS NPA (%)
(Q
OPERATING CASH FLOW(Y)
Highest at USD 24.79 MM
ROCE(HY)
Highest at 1.08%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 19.82 MM
OPERATING PROFIT(Q)
Highest at USD 5.51 MM
PRE-TAX PROFIT(Q)
Highest at USD 5.5 MM
NII(Q)
Highest at USD 12.95 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.82 %
NET PROFIT(Q)
Highest at USD 4.49 MM
EPS(Q)
Highest at USD 0.72
-4What is not working for the Company
ROCE(HY)
Lowest at 1.08%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 22.19%
CREDIT DEPOSIT RATIO(HY)
Lowest at 85.51%
Here's what is working for SB Financial Group, Inc.
Non Performing Loans (%)
Lowest at 0.29% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 19.82 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 5.51 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 5.5 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
NII
Highest at USD 12.95 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 24.79 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 27.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 4.49 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.72
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for SB Financial Group, Inc.
Credit Deposit Ratio
Lowest at 85.51%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 22.19%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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