SBFG
BuyPremium GrowerAI neutralSB Financial Group, Inc. · Financial Services · United States · $189M cap · $448K/day traded
$30.40 +0.3% · close 26 Oct · scored 27 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 27 Oct 2026, MoatMap's StockRank for SB Financial Group, Inc. (SBFG) is 70/100, ranked against 24,000+ stocks in 35 markets (Quality 57, Value 45, Momentum 63, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
SB Financial is a small Ohio community bank holding company that reported strong profitability in the second quarter of 2026 and has an active share buyback. Elevated rates help net interest income for well-funded regional banks. However, it is a sub-$200M lender with limited competitive advantage beyond local relationships, modest insider selling in the past 90 days, and no specific catalyst that sets it apart from hundreds of similar US community banks.
ABOUT SB FINANCIAL GROUP, INC.
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SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Ohio, Indiana, and Michigan.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 57.6M | 57.0M | 56.9M | 65.6M | 4.4% | 69.3M | 69.1M | 70.8M | 3.9% |
| EPS | 1.79 | 1.77 | 1.72 | 2.19 | 7.0% | 2.67 | 2.43 | 2.46 | 6.1% |
| Shares | 6.9M | 6.7M | 6.5M | 6.3M | -9.5% | 6.3M | — | — | — |
| Debt | 79.6M | 103.2M | 54.7M | 54.7M | -11.7% | 58.9M | — | — | — |
| Equity | 118.4M | 124.3M | 127.5M | 141.2M | 6.0% | — | — | — | — |
| Op CF | 25.6M | 14.0M | 9.5M | 24.0M | -2.0% | 24.8M | — | — | — |
| Inv CF | -165.7M | -17.4M | -28.9M | -68.1M | — | — | — | — | — |
| Fin CF | 18.4M | -1.5M | 22.5M | 89.7M | — | — | — | — | — |
Above its 200-day average and 8% below its 52-week high.
Calmer than 67% of stocks we rank over the past year (33% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SBFG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SBFG | SB Financial Group, Inc.(you) | $189M | 70 | Buy |
| BVFL | BV Financial, Inc. | $187M | 67 | Buy |
| ECBK | ECB Bancorp, Inc. | $189M | 73 | Buy |
| CFBK | CF Bankshares Inc. | $224M | 65 | Buy |
| CMTV | Community Bancorp | $237M | 74 | Buy |
| RMBI | Richmond Mutual Bancorporation, Inc. | $255M | 66 | Buy |
| FCCO | First Community Corporation | $311M | 70 | Buy |
| LSBK | Lake Shore Bancorp, Inc. | $145M | 65 | Hold |
| LARK | Landmark Bancorp, Inc. | $199M | 80 | Strong Buy |
| COSO | CoastalSouth Bancshares, Inc. | $334M | 70 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.