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SVB & T
(OTC:SVBT)
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Rating:77Outperform
Price Target:
$78.00
▲(7.59% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (de-risked balance sheet with minimal debt, solid profitability, and revenue growth) and an attractive valuation (low P/E with a modest dividend). This is tempered by mixed technicals, with near-term weakness versus the 20-day average and only neutral momentum readings.
Positive Factors
De‑risked balance sheet
A near-zero debt load and steady equity growth materially lower financial risk and preserve strategic optionality. Persistently low leverage supports capital allocation choices, dividend capacity and resilience to stress, making the company structurally less vulnerable to credit shocks.
Negative Factors
Margin inconsistency
Volatile margins reduce predictability of future earnings and complicate planning for reinvestment or payouts. The 2024 dip and partial 2025 recovery imply exposure to cyclical pressures or cost volatility, which can compress sustainable returns over a multi‑quarter horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
De‑risked balance sheet
A near-zero debt load and steady equity growth materially lower financial risk and preserve strategic optionality. Persistently low leverage supports capital allocation choices, dividend capacity and resilience to stress, making the company structurally less vulnerable to credit shocks.
Read all positive factors
SVB & T (SVBT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$78.66M
Dividend Yield1.41%
Average Volume (3M)292.00
Price to Earnings (P/E)7.5
Beta (1Y)0.08
Revenue Growth5.90%
EPS Growth46.10%
CountryUS
Employees140
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.46
Shares Outstanding1,100,144
10 Day Avg. Volume284
30 Day Avg. Volume292
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.88
Price to Sales (P/S)1.42
P/FCF Ratio8.35
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SVB & T Business Overview & Revenue Model
Company Description
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 counti...
SVB & T Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.45M | 45.76M | 44.03M | 38.04M | 30.20M | 29.30M |
| Gross Profit | 17.43M | 30.40M | 27.22M | 25.48M | 26.07M | 26.06M |
| EBITDA | 7.20M | 10.55M | 7.03M | 7.44M | 8.42M | 9.63M |
| Net Income | 6.03M | 8.82M | 6.11M | 5.65M | 6.35M | 7.38M |
Balance Sheet | ||||||
| Total Assets | 673.79M | 642.73M | 639.15M | 613.55M | 560.66M | 490.10M |
| Cash, Cash Equivalents and Short-Term Investments | 21.48M | 49.76M | 121.30M | 75.10M | 70.92M | 77.73M |
| Total Debt | 0.00 | 137.00K | 180.00K | 10.00M | 29.00M | 39.50M |
| Total Liabilities | 593.99M | 568.98M | 574.34M | 553.27M | 505.46M | 433.48M |
| Stockholders Equity | 79.81M | 73.75M | 64.81M | 60.28M | 55.20M | 56.62M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.77M | 5.74M | 7.52M | 8.49M | 6.94M |
| Operating Cash Flow | 0.00 | 8.25M | 6.05M | 7.85M | 9.13M | 8.12M |
| Investing Cash Flow | 0.00 | -21.09M | -109.00K | -35.57M | -69.11M | -18.37M |
| Financing Cash Flow | 0.00 | -1.72M | 18.50M | 44.45M | 70.98M | -14.03M |
SVB & T Technical Analysis
Neutral
72.50
Price Trends
70.41
Positive
68.12
Positive
63.49
Positive
Market Momentum
0.40
Positive
49.42
Neutral
12.42
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SVBT, the sentiment is Neutral. The current price of 72.5 is above the 20-day moving average (MA) of 72.28, above the 50-day MA of 70.41, and above the 200-day MA of 63.49, indicating a neutral trend. The MACD of 0.40 indicates Positive momentum. The RSI at 49.42 is Neutral, neither overbought nor oversold. The STOCH value of 12.42 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SVBT.
SVB & T Peers Comparison
UnderperformOutperform
Sector (68)
SVBT
SVB & T
72.00
25.13
53.62%
ASRV
Ameriserv Financial
5.06
2.29
82.94%
FSEA
First Seacoast Bancorp
17.19
5.52
47.38%
CLST
Catalyst Bancorp
17.81
4.80
36.89%
NSTS
NSTS Bancorp
14.05
2.31
19.68%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.