SFIG.A Stock Overview

Operates as the bank holding company for STAR Financial Bank that provides various banking and financial services to individual and corporate customers in Central and Northeast Indiana. More details

SFIG.A fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 55.4% below our estimate of its fair value

Earnings grew by 3.2% over the past year

Pays a reliable dividend of 2.4%

Risk Analysis

Shares are highly illiquid

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

STAR Financial Group, Inc. Competitors

Honat Bancorp

OTCPK:HONT

US$164.8m

Peoples Bancorp of North Carolina

NasdaqGM:PEBK

US$158.2m

Citizens Community Bancorp

NasdaqGM:CZWI

US$159.5m

Chain Bridge Bancorp

NYSE:CBNA

US$155.8m

Price History & Performance

Summary of share price highs, lows and changes for STAR Financial Group
Historical stock prices
Current Share Price	US$59.05
52 Week High	US$59.05
52 Week Low	US$55.00
Beta	-0.12
1 Month Change	7.36%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	-9.98%
Change since IPO	136.20%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	SFIG.A	US Banks	US Market
7D	0%	0.4%	-0.5%
1Y	n/a	33.2%	23.2%

Return vs Industry: Insufficient data to determine how SFIG.A performed against the US Banks industry.

Return vs Market: Insufficient data to determine how SFIG.A performed against the US Market.

Price Volatility

Is SFIG.A's price volatile compared to industry and market?
SFIG.A volatility
SFIG.A Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.2%

Stable Share Price: SFIG.A's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine SFIG.A's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1943	n/a	n/a	www.starfinancial.com

STAR Financial Group, Inc. operates as the bank holding company for STAR Financial Bank that provides various banking and financial services to individual and corporate customers in Central and Northeast Indiana. The company accepts checking and savings accounts, money market, and health savings accounts; certificates of deposit; and individual retirement accounts. Its loan products include mortgage, home equity, auto, boat, recreational vehicle, and personal loans; commercial loans, including commercial real estate loans, agribusiness loans, and special loans and funding, as well as working capital and equipment loans; and small business loans.

STAR Financial Group, Inc. Fundamentals Summary

How do STAR Financial Group's earnings and revenue compare to its market cap?
SFIG.A fundamental statistics
Market cap	US$164.81m
Earnings (TTM)	US$23.86m
Revenue (TTM)	US$108.34m

6.9x

P/E Ratio

0.9x

P/B Ratio

Is SFIG.A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SFIG.A income statement (TTM)
Revenue	US$108.34m
Cost of Revenue	US$0
Gross Profit	US$108.34m
Other Expenses	US$84.47m
Earnings	US$23.86m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	8.55
Gross Margin	100.00%
Net Profit Margin	22.03%
Debt/Equity Ratio	123.9%

How did SFIG.A perform over the long term?

See historical performance and comparison

Dividends

2.4%

Current Dividend Yield

15%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 19:06
End of Day Share Price	2024/12/19 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

STAR Financial Group, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution