SB Financial Group Inc. Common Stock (SBFG)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at SB Financial as a small community bank: 258 employees serving Ohio, Indiana, and Michigan, with trust, wealth management, and title insurance attached to the deposit and lending business. That local relationship model can be a modest moat, but it is not wide. The numbers are mixed. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $4.5 million and diluted EPS was $0.72, up from $3.9 million and $0.60 in fiscal Q2 2025. In fiscal Q1 2026, net income was $4.3 million and diluted EPS $0.69. For FY2025, net income was $14.0 million and diluted EPS $2.19, versus $11.5 million and $1.72 in FY2024 and $12.1 million and $1.75 in FY2023. Recent results are improving, but FairStock's Lynch category is SLOW GROWER — Shrinking, with profit down 1.3% a year over five years. At the 2026-10-13 close of $29.24, FairStock calculates a P/E of 10.95, P/B of 1.25, dividend yield of 2.17%, PEG of 0.65, ROE of 11.95%, and Piotroski F-Score of 7/9. That is not demanding if credit holds, but a bank is only as good as its loan book. The data does not give me CET1, net interest margin, nonperforming assets, loan-loss reserves, or efficiency ratio, so I cannot fully underwrite credit or capital risk. Combined ratio is an insurer measure and is not relevant here. I see a reasonably valued small bank with improving recent results and a low beta, but I would want more capital and asset-quality facts before calling it a bargain.

In plain English: SB Financial is a small regional bank holding company that serves customers in Ohio, Indiana, and Michigan through loans, deposits, trust and wealth services, and title insurance. Recent quarterly profit has improved, and the stock price looks reasonable compared with the company's earnings and accounting value. However, profit growth over the longer term has been slow, and the available data does not include important banking details such as capital strength or loan quality.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer