SB Financial Group (9KH) AI Stock Analysis
SB Financial Group
(Frankfurt:9KH)
No summary available
SB Financial Group (9KH) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 193.15M
- Dividend Yield
- 2.14%
- Average Volume (3M)
- ―
- Price to Earnings (P/E)
- 11.5
- Beta (1Y)
- 0.29
- Revenue Growth
- 3.71%
- EPS Growth
- 20.69%
- Country
- Germany
- Employees
- 254
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
SB Financial Group Business Overview & Revenue Model
Company Description
SB Financial Group, Inc., based in Defiance, Ohio, was established in 1983 and rebranded from Rurban Financial Corp. in April 2013. The company delivers a comprehensive array of commercial banking and wealth management solutions to both individual an...
SB Financial Group Earnings Call Summary
The call was broadly constructive, with sustained loan and revenue growth, stronger net interest margin performance, diversified fee income, robust liquidity, strong capital, and exceptionally low credit losses. These strengths outweighed the year-over-year earnings decline, linked-quarter deposit runoff, mortgage-market constraints, below-expectation SBA production, and elevated operating expenses tied to personnel and technology investments.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management said it was looking at around 8%, 8.5%, I think, high single digit loan growth in 2027, with a commercial and construction C&D pipeline that could be in the $20 million to $30 million, $40 million net after a few credits exit, while the earlier pipeline was over $53 million plus another $15 million to $25 million; the base model assumes 2 rate increases from now until the end of '27, with the margin ratio probably a couple basis points tick down in Q4, kind of stay flat in Q1 and then accelerate in the midpoints next year, with 3.50% to 3.51% at the upper end; mortgage production is expected at a $50 million to $60 million quarter in Q4, lending the year, call it, 280, with a 10% to 15% increase indicating the low 3s for 2027; normalized 4% to 5% base level of expense growth is expected in 2027, while Q3 was clearly an aberration and technology spending will level out over the next 2 quarters, with a year-over-year expense level and then kind of maybe add a point or two.
SB Financial Group Risk Analysis
SB Financial Group disclosed 35 risk factors in its most recent earnings report. SB Financial Group reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksSB Financial Group Peers Comparison
Overall Rating
MNSB67Neutral
BVFL66Neutral
BCBP54Neutral
FGBI53Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MNSB | 67Neutral | $151.57M | 10.98 | 7.61% | 1.88% | -5.53% | ― |
| BVFL | 66Neutral | $183.77M | 14.22 | 6.96% | ― | 1.48% | 43.50% |
| BCBP | 54Neutral | $272.46M | -1.07 | -53.70% | 5.42% | -16.04% | -17100.00% |
| FGBI | 53Neutral | $158.61M | 8.56 | 9.18% | 0.42% | -2.49% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:9KH | SB Financial Group Inc | 24.80 | 9.06 | 57.59% | |
| BCBP | BCB Bancorp | 8.86 | 1.33 | 17.74% | |
| FGBI | First Guaranty Bancshares | 9.59 | 3.42 | 55.30% | |
| MNSB | Mainstreet Bancshares | 21.30 | 2.80 | 15.16% | |
| ECBK | ECB Bancorp, Inc. | 21.36 | 5.10 | 31.37% | |
| BVFL | BV Financial, Inc. | 21.90 | 5.28 | 31.77% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.