RankAlpha logo
Back to Rankings

SBFG

SB Financial GroupD
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Strong localized loan growth and improved net interest margin from higher short-term rates, plus a positive surprise on capital returns, could lift multiple toward analyst highs (~$24.48).
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Adverse regional economic slowdown increasing credit losses
Momentum
60
Value
59
Sentiment
44
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.07 · Bull $24.48 · Bear $17.10Analysis 2026-01-30; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-30 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $29.00
Why
Momentum60 · Δ7d -
Value59 · Δ7d -0.0
Sentiment44 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Adverse regional economic slowdown increasing credit losses
  • • Deposit outflows reducing liquidity and NIM
  • • Weak loan demand, deposit runoff, or higher credit costs could compress earnings and push the stock toward analyst lows (~$17.10), particularly for regionals with concentrated markets.

Catalyst clock

2026-04-30

Q4 / FY2026 earnings release

Lead driver: Sentiment · See AI snapshot
Momentum
60
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
59
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-6.9
Sentiment
44
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 60.5 / Value 59.1 / Sentiment 44.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-30. Scenario method

B+
Bull case
25%
Probability
Target price
$24.48
Analysis reference price unavailable
Analysis 2026-01-30 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$22.07
Analysis reference price unavailable
Analysis 2026-01-30 · RankAlpha Sentiment AI
B-
Bear case
15%
Probability
Target price
$17.10
Analysis reference price unavailable
Analysis 2026-01-30 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$169.46M
Beta
0.21
Shares Out
6.25M
P/E (TTM)
10.5
P/S (TTM)
2.14
P/FCF (TTM)
8.80
Rev YoY
+6.0%
EPS YoY
+21.4%
Gross Margin
-
Op Margin
+21.9%
Net Debt
$2.74M
Current Ratio
0.18
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data