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Upturn AI SWOT - About
SB Financial Group Inc (SBFG)
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Upturn Advisory Summary
04/01/2025: SBFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.22% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 135.60M USD | Price to earnings Ratio 12.06 | 1Y Target Price 26 |
Price to earnings Ratio 12.06 | 1Y Target Price 26 | ||
Volume (30-day avg) 18396 | Beta 0.79 | 52 Weeks Range 12.59 - 24.33 | Updated Date 04/1/2025 |
52 Weeks Range 12.59 - 24.33 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.80% | Basic EPS (TTM) 1.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.2% | Operating Margin (TTM) 27.82% |
Management Effectiveness
Return on Assets (TTM) 0.84% | Return on Equity (TTM) 9.11% |
Valuation
Trailing PE 12.06 | Forward PE 12.3 | Enterprise Value 184998544 | Price to Sales(TTM) 2.39 |
Enterprise Value 184998544 | Price to Sales(TTM) 2.39 | ||
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 6534920 | Shares Floating 4733241 |
Shares Outstanding 6534920 | Shares Floating 4733241 | ||
Percent Insiders 10.2 | Percent Institutions 53.72 |
Analyst Ratings
Rating 5 | Target Price 17 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SB Financial Group Inc
Company Overview
History and Background
SB Financial Group, Inc. operates as the holding company for State Bank & Trust Company. Founded in 1902 as The Farmers State & Savings Bank Co., it has evolved into a community banking institution providing a range of financial services.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including deposit accounts, loans (commercial, agricultural, residential), and other financial services to individuals and businesses in its market area.
- Wealth Management: Provides investment and wealth management services to individuals and families.
Leadership and Structure
Mark A. Klein is the Chairman, President and CEO. The organizational structure includes various departments such as lending, retail banking, finance, and compliance, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes such as working capital, equipment purchases, and real estate. Market share data is not publicly available. Competitors include regional and national banks like Fifth Third Bancorp (FITB), Huntington Bancshares (HBAN), and U.S. Bancorp (USB).
- Residential Mortgages: Mortgage loans offered to individuals for purchasing or refinancing homes. Market share data is not publicly available. Competitors include Quicken Loans, Rocket Mortgage, and local credit unions.
- Agricultural Loans: Loans provided to farmers and agricultural businesses. Market share data is not publicly available. Competitors include Farm Credit Services and other agricultural lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to various regulations. Current trends include increasing digitalization, rising interest rates, and heightened cybersecurity threats.
Positioning
SB Financial Group focuses on community banking, emphasizing personal service and local market knowledge. Its competitive advantages include strong customer relationships and local expertise.
Total Addressable Market (TAM)
The TAM for community banking in SB Financial Group's region is estimated at several billion dollars. SB Financial Group is positioned to capture a portion of this TAM through its community focus and local expertise.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher operating costs due to smaller scale
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
- U.S. Bancorp (USB)
Competitive Landscape
SB Financial Group faces significant competition from larger regional and national banks. Its advantage lies in its community focus and local relationships, but it must continue to innovate and adapt to compete effectively.
Major Acquisitions
Edon State Bank Company
- Year: 2017
- Acquisition Price (USD millions): 10.7
- Strategic Rationale: Expanded SB Financial Group's footprint in northwest Ohio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires specific financial data, which is not available here.
Future Projections: Future projections based on analyst estimates require access to financial data providers. Please refer to analyst reports for specific figures.
Recent Initiatives: Recent initiatives are not readily available in a parsable format without access to the company's latest announcements.
Summary
SB Financial Group is a community bank with a solid foundation built on customer relationships and local expertise. While its smaller size presents challenges in competing with larger institutions, it benefits from a focused approach to serving its market. The company needs to adapt to digitalization and manage interest rate risks to sustain growth. Future acquisitions can help improve market share.
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TCBI
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Publicly Available Information
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share data is estimated based on publicly available information and may not be exact. Financial data is not real-time and is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SB Financial Group Inc
Exchange NASDAQ | Headquaters Defiance, OH, United States | ||
IPO Launch date 1999-01-04 | Chairman, President & CEO Mr. Mark A. Klein | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 252 | |
Full time employees 252 | |||
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.
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