SB Financial Group, Inc. (SBFG)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$30.29-0.75%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · SBFG
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 7.8% |
| Our one-year growth estimate | diamond | -5.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 12.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
SBFG — dividend update
Dated 2026-10-23
Regulation FD Disclosure . On October 22, 2026, SB Financial Group, Inc. (the “Company”) issued a press release announcing that its Board of Directors has declared a quarterly shareholder dividend of $0.165 per share. The dividend is payable on November 27, 2026 to all common shareholders of record as of November 13, 2026. The information on this item 7.01, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the…
Why it matters: Deposits grew 9.5% from last year but fell 0.6% from Q2. A return to quarter-over-quarter growth would support loan funding.
Supportive ifQ4 deposits rise above $1.38 billion, reversing the $8.3 million Q3 decline.
Worry ifQ4 deposits fall further below the Q3 level of $1.38 billion.
Why it matters: Loans grew 2.5% from Q2 and 9.7% from last year. Another strong quarter would extend the growth run.
Supportive ifQ4 loans rise more than 2.5% from Q3, extending the run of quarterly loan growth.
Worry ifQ4 loans are flat or fall from Q3.
Why it matters: The ratio rose from 67.3% in Q2 as costs climbed. A lower Q4 reading would show costs are easing against revenue.
Supportive ifQ4 efficiency ratio falls below 72.5%.
Worry ifQ4 efficiency ratio stays at or above 72.5%.
Why it matters: Q3 expenses rose 14.4% from last year, while revenue rose 9.0%. Lower expense growth could ease pressure on profit.
Supportive ifQ4 expenses rise less than 9.0% year over year, below Q3 revenue growth.
Worry ifQ4 expenses rise 14.4% or more year over year again.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$121 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $289 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,564 loss on $10,000 · 15.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.