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

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.Unlock 29 Markets

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Eagle Bancorp Montana, Inc.

SB Financial Group, Inc.

FinWise Bancorp

Union Bankshares, Inc. (Vermont)

Investar Holding Corp.

Sound Financial Bancorp, Inc.

First Savings Financial Group, Inc.

Summit State Bank (California)

Citizens Community Bancorp, Inc. (Wisconsin)

BankFinancial Corp.

Why is SB Financial Group, Inc. ?

High Profitability with a Net Interest Margin of 1.59%

Positive results in Jun 25

NII(Q) Highest at USD 12.13 MM
DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 18.47 MM

With ROA of 0.50%, it has a fair valuation with a 1.07 Price to Book Value

Over the past year, while the stock has generated a return of 2.82%, its profits have fallen by -6.3%

High Institutional Holdings at 52.95%

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

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

SB Financial Group, Inc.

1.35%

1.57

34.01%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.49%

EBIT Growth (5y)

-2.72%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

32.71%

Pledged Shares

Institutional Holding

52.95%

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

1.07

EV to EBIT

8.82

EV to EBITDA

7.31

EV to Capital Employed

1.11

EV to Sales

1.47

PEG Ratio

Dividend Yield

0.39%

ROCE (Latest)

12.55%

ROE (Latest)

8.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

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

13What is working for the Company

NII(Q)

Highest at USD 12.13 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 18.47 MM

OPERATING PROFIT(Q)

Highest at USD 4.73 MM

PRE-TAX PROFIT(Q)

Highest at USD 4.73 MM

NET PROFIT(Q)

Highest at USD 3.84 MM

EPS(Q)

Highest at USD 0.59

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 8.46 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 87.59%

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

NII

Highest at USD 12.13 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 18.47 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 4.73 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 4.73 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 4.73 MM has Grown at 39.07%

over average net sales of the previous four periods of USD 3.4 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 3.84 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.59

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

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

Operating Cash Flow

Lowest at USD 8.46 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Lowest at 87.59%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)