SB Financial Group, Inc. (SBFG)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$29.99+2.64%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | 5.3% |
| Our one-year growth estimate | diamond | -5.5% |
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.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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 10.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SBFG — dividend update
Dated 2026-07-17
Regulation FD Disclosure . On July 17, 2026, SB Financial Group, Inc. (the “Company”) issued a press release announcing that its Board of Directors has declared a quarterly shareholder dividend of $0.16 per share. The dividend is payable on August 28, 2026 to all common shareholders of record as of August 14, 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 Securit…
Why it matters: Slower deposit growth may show weaker customer loyalty. This can affect funding stability.
Worry ifTotal deposits growth reported below 5% year over year.
Less concerning ifTotal deposits growth remains above 5% year over year.
Why it matters: A small increase would suggest slowing deposit growth, which could impact funding and loan growth.
Worry ifTotal deposits increase less than 1% sequentially in Q3.
Less concerning ifTotal deposits increase more than 1% sequentially in Q3.
Why it matters: This would signal a slowdown in the sector's growth phase. It could impact investor confidence.
Worry ifQ2 revenue growth falls below 15% year over year.
Less concerning ifQ2 revenue growth remains at or above 15% year over year.
Why it matters: Better asset quality shows good risk management. This can make investors more confident.
Supportive ifNon-performing assets drop below 0.25% of total assets in Q3.
Worry ifNon-performing assets rise above 0.30% of total assets in Q3.
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 | ±$140 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $316 loss on $10,000 · 3.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,756 loss on $10,000 · 17.6% | 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.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact SB Financial's performance.
Worry ifRevenue growth falls below its median for the last three years.
Less concerning ifRevenue growth remains above its median for the last three years.
Why it matters: Maintaining the dividend is a priority for management. A cut could hurt investor confidence.
Worry ifAn official announcement says the dividend will drop from $0.16 per share.
Less concerning ifConfirmation that the dividend will stay at $0.16 per share or go up.
Why it matters: A drop would show bigger problems in the financial sector affecting SBFG.
Worry ifSector revenue growth reported below 10% year over year.
Less concerning ifSector revenue growth stays above 10% year over year.
Why it matters: News about how money is used can change growth and profits for shareholders.
Watch forManagement shares a new plan for money that helps growth.
Also watch forManagement gives no news or a bad view on money use.
Why it matters: Using capital wisely matters for management. Updates may show how they will grow.
Supportive ifManagement shares a new investment or acquisition plan that fits growth goals.
Worry ifNo news or a statement about stopping capital deployment plans.
Why it matters: A drop below this level shows weak fee-based revenue. This can hurt overall profits.
Worry ifNon-interest income was below $4.5 million in Q3.
Less concerning ifNon-interest income was above $4.5 million in Q3.
Why it matters: Maintaining strong revenue growth supports SBFG's strategy of prudent organic growth. A drop below this level may raise concerns.
Supportive ifQ3 revenue growth is reported at or above 12% year-over-year.
Worry ifQ3 revenue growth falls below 10% year-over-year.
Why it matters: A drop below this level shows trouble keeping interest income. This can hurt profits.
Worry ifNet interest income reported below $12 million in Q3.
Less concerning ifNet interest income reported above $12 million in Q3.
Why it matters: Keeping the dividend shows good money management. It also shows care for shareholders.
Supportive ifThe company declares a dividend of $0.16 per share in Q3.
Worry ifThe company reduces the dividend below $0.16 per share.
Why it matters: Sustained loan growth is key for revenue and profitability. It shows demand for loans.
Supportive ifTotal loans exceed $1.19 billion in Q3, showing continued growth.
Worry ifTotal loans fall below $1.19 billion, indicating a slowdown in loan demand.
Why it matters: Stable noninterest income helps total revenue. It shows how strong fee-based services are.
Supportive ifNoninterest income stays above $5 million in Q3. This shows strength.
Worry ifNoninterest income is below $5 million. This shows weak fee-based services.