SBFG Stock Analysis: Buy, Sell, or Hold?
SBFG - SB Financial Group, Inc.
$21.26
-0.61 (-2.79%)
▼
5d:
-4.58%
30d:
-3.1%
90d:
+1.58%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SBFG shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: SBFG shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
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 historical range
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 $21.26, which is considered oversold relative to its 30-day fair value range of $21.44 to $22.49. 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 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 108.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SBFG is showing sideways momentum. The price is currently testing key support at $21.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.00 (+17.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SBFG is showing sideways momentum. The price is currently testing key support at $21.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.00 (+17.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$21.44 -
$22.49
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($25.00)
Trading Range Analysis
30-Day Trading Range
$21.44 -
$22.49
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$21.15
Resistance Level
$23.00
Current Trend
Sideways
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.24
Wall Street Target
$25.00
(+17.6%)
Revenue Growth (YoY)
11.8%
Earnings Growth (YoY)
108.5%
Profit Margin
24.3%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
8.2 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$21.03
(-1%)
2-Year Target
$20.79
(-2%)
3-Year Target
$20.57
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$21.21
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 4.5%)
$64.89
(+205%)
Base:
(SPY PE: 8.2, Growth: 4.5%)
$24.23
(+14%)
Bear:
(PE: 7.0, Growth: 4.5%)
$20.59
(-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: 8.58 | Current EPS (TTM): $2.55
Bull Case
$24.34
(+15%)
Analyst growth 1.2%, PE expands to 9.4
Base Case
$22.13
(+4%)
Market implied 1.2%, PE stable at 8.6
Bear Case
$14.87
(-30%)
Severe decline -20.0%, PE contracts to 7.3
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
(+3.2%)
PE Expansion Potential:
+3.2%
Share & Embed Analysis
Last updated: May 16, 2026 3:51 AM ET
Data refreshes hourly during market hours. Next update: 4:51 AM
Data refreshes hourly during market hours. Next update: 4:51 AM
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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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