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SBFG

SB Financial Group, Inc.

Financial Services · $186M market cap

Verdict

Share price

$29.40

close of Oct 3, 2026

Fair value

$43.81

Sticker Price

Payback Price

$17.52

buy price

Undervalued

SBFG is Undervalued: at $29.40 it trades 33% below its fair value of $43.81. Its buy price (Payback Price) is $17.52, 40% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth9.3% a year✗
Equity per share growth4.3% a year✗
Sales growth3.2% a year✗
Free cash flow growth4.5% a year✗
Return on invested capital5.2%✗

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Insider activity

Since Jun 15, 2026: no open-market purchases and 1 sale worth $15K. Why purchases matter

Sales

HARDGROVE RICHARD L

director · 2026-06-15

Sold

$15K

About SB Financial Group, Inc.

SB Financial Group, Inc., based in Defiance, Ohio, was established in 1983 and rebranded from Rurban Financial Corp. in April 2013. The company delivers a comprehensive array of commercial banking and wealth management solutions to both individual and business clients throughout Ohio, Indiana, and Michigan. Its banking provisions include various deposit instruments such as checking, savings, money market accounts…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works