SB Financial Group, Inc.

NasdaqCM:SBFG Stock Report

Market Cap: US$142.4m

SB Financial Group Valuation

Is SBFG undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SBFG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SBFG ($21.45) is trading below our estimate of fair value ($37.18)

Significantly Below Fair Value: SBFG is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for SBFG?

Key metric: As SBFG is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SBFG. This is calculated by dividing SBFG's market cap by their current earnings.
What is SBFG's PE Ratio?
PE Ratio12.2x
EarningsUS$11.69m
Market CapUS$142.42m

Price to Earnings Ratio vs Peers

How does SBFG's PE Ratio compare to its peers?

The above table shows the PE ratio for SBFG vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.5x
FFMH First Farmers and Merchants
9.7xn/aUS$143.5m
EBMT Eagle Bancorp Montana
16.1x22.8%US$136.2m
RMBI Richmond Mutual Bancorporation
16.9xn/aUS$148.9m
LARK Landmark Bancorp
11.2xn/aUS$141.4m
SBFG SB Financial Group
12.2x2.1%US$142.4m

Price-To-Earnings vs Peers: SBFG is good value based on its Price-To-Earnings Ratio (12.2x) compared to the peer average (13.5x).


Price to Earnings Ratio vs Industry

How does SBFG's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
SBFG 12.2xIndustry Avg. 13.1xNo. of Companies74PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SBFG is good value based on its Price-To-Earnings Ratio (12.2x) compared to the US Banks industry average (13.1x).


Price to Earnings Ratio vs Fair Ratio

What is SBFG's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SBFG PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.2x
Fair PE Ratio10.5x

Price-To-Earnings vs Fair Ratio: SBFG is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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