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SBFG

SB Financial GroupD
Nasdaq / Banks
Last Price
Quote time unavailable
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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
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Adverse regional economic slowdown increasing credit losses
Momentum
60
Value
54
Sentiment
38
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 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-30 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $29.00
Why
Momentum60 · Δ7d -
Value54 · Δ7d -0.2
Sentiment38 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

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: Value · See fundamentals
Momentum
60
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
54
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.5
Sentiment
38
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade D. Momentum 60.5 / Value 53.9 / Sentiment 37.6

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 2026-10-23
Market Cap
$189.47M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data