SB FINANCIAL GROUP, INC. (SBFG)
State Commercial Banks · Financial Services · $8M
Intrinsic Value (Consensus)
$33.91
Current Price
$22.33
Margin of Safety
+51.9%
51.9% Below Intrinsic Value
Value: $34
Price: $22
Valuation Model Estimates
Current Price: $22.33
DCF (Discounted Cash Flow)
$2777.41
Graham Number
$142.03
Earnings Power Value
$21.26
Relative Value (P/E)
$43.80
Dividend Discount Model
$36.67
Consensus Value
$33.91
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (265.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.19
- EPS (Forward)
- $2.63
- Book Value
- $409.38
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.9%
- Debt/Equity
- 0%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance