SVB & T stock analysis
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SVB & T (SVBT) Stock Price & Analysis
SVBT Stock Chart & Stats
- Day’s Range
- $74.10 - $76.90
- 52-Week Range
- $51.50 - $76.90
- Previous Close
- $75.50
- Volume
- N/A
- Average Volume (3M)
- 123
- Market Cap
- $83.06M
- Enterprise Value
- $53.35M
- Total Cash (Recent Filing)
- $96.48M
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 7.7
- Beta
- 0.08
- Next Earnings
- Nov 16, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Dec 15, 2026
- Dividend Yield
- 1.44%
Bulls Say, Bears Say
Bulls Say
De-risked Balance Sheet
The near-elimination of debt materially reduces financial risk and interest-related pressure, while steadily growing equity provides a stronger capital base. Healthy returns on equity indicate that SVB & T is generating meaningful profitability without relying on substantial leverage.
Revenue Growth And Solid Profitability
Multi-year revenue expansion, combined with positive net and EBIT margins, shows that the bank has increased its earnings scale while remaining profitable. This creates a durable base for reinvestment, capital accumulation, and continued support of customers through its banking franchise.
Positive Cash Generation
Positive operating and free cash flow demonstrate that reported profitability is translating into cash generation. The 2025 rebound strengthens internal funding capacity, supporting lending activity, balance-sheet resilience, and shareholder returns without requiring dependence on additional borrowing.
Bears Say
Inconsistent Margin Performance
The uneven margin trajectory indicates that recent profitability may not be fully stable across operating conditions. A partial recovery after the 2024 decline leaves uncertainty about how consistently SVB & T can preserve earnings conversion over the next several quarters.
Limited Balance-sheet Expansion
Stable assets limit evidence of sustained balance-sheet growth and may constrain the pace at which the bank can expand loans or other earning assets. If this pattern persists, earnings growth could rely more heavily on existing operations than on increasing banking scale.
Volatile Cash-flow Profile
The prior free-cash-flow declines show that cash generation has not been consistently progressive, even though 2025 improved. Reported inconsistencies in coverage metrics also reduce confidence in assessing cash-flow quality and make forward planning less certain.
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SVB & T Stock Smart Score
Company Description
SVB & T
SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company, providing banking, financial, and wealth management services to families and businesses in Dubois, Daviess, Gibson, Orange, and surrounding counties in southern Indiana. The company offers checking, savings, and club accounts, certificates of deposit, individual retirement accounts, health savings accounts, and safe deposit boxes. It also provides personal loans, including mortgages, construction loans, professional loans, first-time home buyer loans, and veteran’s administration loans/federal housing administration/US Department of Agriculture loans, home equity lines of credit, consumer loan products, and debit and credit cards. In addition, the company offers business loans, including commercial loans, agricultural loans, lines of credit, small business administration/farm service agency loans, and leases, as well as financial planning, investment management, estate planning and administration, trust services, and other services. Further, it provides brokerage services, such as mutual funds, annuities, tax-advantaged investments, life insurance products, retirement plans, and professionally managed accounts. Additionally, it offers online solutions, which include online banking, e-statements, retail bill pay, mobile banking, mobile deposit, transfer, and mobile wallet services, as well as cash management services. The company was founded in 1902 and is headquartered in French Lick, Indiana.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Jeffrey Craig Buse
- Employees
- 140
- Website
- www.svbt.bank
- Address
- 8482 West State Road 56, French Lick, IN, 47432, US
SVB & T (SVBT) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |

