Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
SB Financial Group, Inc. (SBFG)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$28.69-5.28%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.60 → 2.65 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for SBFG yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
EPS at least $2.19 in FY26 | A primary condition in SB Financial Group, Inc.'s published investment case. The stated target is >= $2.19. | Broken | EPS falls below $2.19 in FY26 | Diluted EPS: $0.72 per share FY2026-Q2; GAAP. Published target: >= $2.19. Annual target cannot be compared with a quarterly or TTM observation. Aug 6, 20260.72 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
SBFG is a smaller-cap financial company with a growth-and-execution thesis, rather than a clear turnaround or deep-value case. The long-term thesis is intact, though the signal recently shifted from mildly favorable to mixed.
Valuation is stretched, at a modest premium to peers, with expectations somewhat ahead of the evidence. Fragility is low, so the snapshot does not point to a broad mix of expensive valuation, weak execution, and turbulent conditions.
Near term, recent earnings beats and revenue growth support the business, while lower six-month noninterest expense shows some cost discipline. These signals are mixed overall, and a guidance cut or an unexpected earnings miss remains a risk; the snapshot rates miss risk as low but notes the smaller-cap profile and a deep past miss.
Over the next few quarters, the thesis hinges on continued revenue growth, loan expansion, and disciplined expenses without a guidance cut. Sector conditions also matter: rate cuts could weigh on financial companies, while continued strength from sector bellwethers could support momentum.
For the next 1 to 3 years, SBFG’s long-term thesis remains intact, but stretched valuation makes consistent execution important. The evidence is mixed, so the main test is whether growth and expense discipline continue. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| SB Financial Group grows revenue steadily with disciplined expense control. |
| Intact |
| Organic revenue growth stalls or expense ratios worsen materially |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Profit margin near 4.5% in FY26 | Profit margins remain stable near 4.5%. | Intact | Profit margin falls below 4.0% in FY26 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue grows to about $325 million in FY26 | The company targets about $325 million revenue in 2026 and EPS above $2.19. | Intact | Revenue falls below $310 million in FY26 | Revenue: $19.82M FY2026-Q2; GAAP. Published target: ~$325 million. Annual target cannot be compared with a quarterly or TTM observation. Aug 6, 202619,820,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.58 → $2.65 · observed estimates
$0.07B → $0.07B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-07-25 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-26 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-27 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-28 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-29 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-30 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-07-31 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-01 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-02 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-08-03 | $2.58 | $52,600,000 | 1 / 1 |
| 2026-08-04 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-05 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-06 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-08 | $2.60 | $52,300,000 | 1 / 1 |
| 2026-08-09 | $2.60 | $52,300,000 | 1 / 1 |
| 2026-08-10 | $2.60 | $52,300,000 | 1 / 1 |
| 2026-08-12 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-13 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-14 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-15 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-16 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-17 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-18 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-19 | $2.58 | $71,800,000 | 1 / 1 |
| 2026-08-20 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-21 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-22 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-23 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-24 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-25 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-26 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-27 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-28 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-29 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-30 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-08-31 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-01 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-02 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-03 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-04 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-05 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-06 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-07 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-08 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-09 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-10 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-11 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-12 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-13 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-14 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-15 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-16 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-17 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-18 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-19 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-20 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-21 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-22 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-23 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-24 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-25 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-26 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-27 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-28 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-29 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-09-30 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-01 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-02 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-03 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-04 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-05 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-06 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-07 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-08 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-09 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-10 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-11 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-12 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-13 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-14 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-15 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-16 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-17 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-18 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-19 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-20 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-21 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-22 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-23 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-24 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-25 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-26 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-27 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-28 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-29 | $2.60 | $71,600,000 | 1 / 1 |
| 2026-10-30 | $2.65 | $71,600,000 | 1 / 1 |
| 2026-10-31 | $2.65 | $71,600,000 | 1 / 1 |
| 2026-11-01 | $2.65 | $72,700,000 | 1 / 1 |
| 2026-11-02 | $2.65 | $72,700,000 | 1 / 1 |
| 2026-11-03 | $2.65 | $72,700,000 | 1 / 1 |
| 2026-11-04 | $2.65 | $72,700,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.