SBFG

SB Financial GroupC

Nasdaq / Banks

At close

2026-07-22

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

Mixed

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-23 · AMC.

What can break

Adverse regional economic slowdown increasing credit losses

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $22.07 · Bull $24.48 · Bear $17.10

Earnings

2026-07-23 · AMC

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-30 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $25.00

Why

Momentum60 · Δ7d -

Value59 · Δ7d +0.3

Sentiment43 · Δ7d -

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

-0.9

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 60.5 / Value 59.4 / Sentiment 42.7

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$165.35M

Beta

0.21

Shares Out

6.28M

P/E (TTM)

10.5

P/S (TTM)

2.14

P/FCF (TTM)

8.80

Rev YoY

+11.3%

EPS YoY

+107.5%

Gross Margin

Op Margin

+26.0%

Net Debt

$2.74M

Current Ratio

0.17

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology