SBFG Stock Analysis: Buy, Sell, or Hold?
SBFG - SB Financial Group, Inc.
$21.00
-0.22 (-1.04%)
▼
5d:
+2.59%
30d:
+1.4%
90d:
-2.96%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 07, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SBFG shows positive signals but monitor for confirmation. Market pricing in 1.3% decline. Moderate conviction.
💡 BUY OPPORTUNITY: SBFG shows positive signals but monitor for confirmation. Market pricing in 1.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$27.00
Based on 4.3% avg growth
INTRINSIC VALUE TODAY
$16.77
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SBFG is currently trading at $21.00, which is considered slightly high relative to its 30-day fair value range of $20.13 to $21.00. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.3% over the next few years. This pessimistic expectation contrasts with the company's recent 13.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SBFG is in a downtrend. The price is approaching resistance at $21.36. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SBFG has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $24.00 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SBFG is in a downtrend. The price is approaching resistance at $21.36. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SBFG has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $24.00 (+13.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$20.13 -
$21.00
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($24.00)
Fair Price Analysis
30-Day Fair Range
$20.13 -
$21.00
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$19.81
Resistance Level
$21.36
Current Trend
Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.22
Wall Street Target
$24.00
(+13.1%)
Revenue Growth (YoY)
7.5%
Earnings Growth (YoY)
13.4%
Profit Margin
21.6%
Valuation Discount vs History
-1.3% cheaper
PE vs Historical
8.2 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.3%
(market-implied from PE analysis)
1-Year Target
$20.94
(-1%)
2-Year Target
$20.67
(-3%)
3-Year Target
$20.40
(-4%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$21.09
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 4.5%)
$65.72
(+210%)
Base:
(SPY PE: 8.2, Growth: 4.5%)
$24.18
(+14%)
Bear:
(PE: 7.0, Growth: 4.5%)
$20.56
(-3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 9.12 | Current EPS (TTM): $2.19
Bull Case
$25.89
(+24%)
Analyst growth 17.8%, PE expands to 10.0
Base Case
$23.54
(+13%)
Market implied 17.8%, PE stable at 9.1
Bear Case
$13.59
(-35%)
Severe decline -20.0%, PE contracts to 7.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 8.5
Stabilization Target:
$21.93
(+3.3%)
PE Expansion Potential:
+3.3%
Share & Embed Analysis
Last updated: March 31, 2026 4:03 PM ET
Data refreshes hourly during market hours. Next update: 5:03 PM
Data refreshes hourly during market hours. Next update: 5:03 PM
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Technical Signals Check
Is SBFG showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Sue Ann Strausbaugh
BUY
48 shares
2026-03-04
Richard L Hardgrove
SELL
977 shares
2026-02-04
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