SBFG (SB Financial Group) Moat Score: 4/10 (As of Jun. 30, 2026)


SBFG SB Financial Group Inc SBFG
64 GF Score
Price $24.82
GF Value $22.02
Valuation Modestly Overvalued
! 4 Warning Signs
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What is SB Financial Group Moat Score?

SB Financial Group SBFG +2.37% 64 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates SBFG with a GF Score™ of 64/100 and a GF Value™ of $22.02 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,613 Banks companies, SB Financial Group ranks better than 86.24% on this metric.

SB Financial Group has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

SB Financial Group has Narrow Moat: SB Financial Group Inc has a discernible but modest moat, primarily due to its regional market presence and customer relationships. However, it lacks significant cost advantages, intellectual property, or regulatory barriers to elevate it to a stronger moat category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SB Financial Group might have Narrow Moat - Discernible but modest moat.

SB Financial Group  (NAS:SBFG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SB Financial Group Moat Score Related Terms

SBFG vs TYCB, RMBI, ARBV: Moat Score Comparison

For the Banks - Regional subindustry, SB Financial Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SB Financial Group Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, SB Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where SB Financial Group's Moat Score falls into.


SBFG
64GF Score
SB Financial Group Inc SBFG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
SB Financial Group (SBFG) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, SB Financial Group ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is SB Financial Group's Moat Score too high?
SB Financial Group's current Moat Score is 4. Based on the distribution chart, SB Financial Group ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SB Financial Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's Moat Score compare to TYCB and RMBI?
According to the Banks industry distribution chart, SB Financial Group ranks #222 out of 1613 companies for Moat Score. This places SB Financial Group in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. SB Financial Group's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, SB Financial Group (SBFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.02, compared to a current price of $24.82 — trading 12.7% above its estimated fair value. The current Moat Score is 4. SB Financial Group's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For SB Financial Group (SBFG), the current Moat Score is 4 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SB Financial Group (SBFG) Overvalued in 2026?

Based on GuruFocus' analysis, SB Financial Group stock appears to be overvalued. The current stock price of $24.82 is trading 12.7% above its estimated GF Value™ of $22.02. GuruFocus considers SB Financial Group to be Modestly Overvalued.

Key valuation signals for SBFG:

  • Moat Score: 4
  • GF Value™: $22.02 vs. price of $24.82 (12.7% above fair value)
  • GF Score™: 64/100 with 4 warning signs

No single metric tells the full story. See the SBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SB Financial Group Business Description

Other Exchanges 9KH:Germany
Address 401 Clinton Street, P.O. Box 467, Defiance, OH, USA, 43512
SB Financial Group Inc that provides a range of community banking services, including commercial and consumer lending, personal and business banking, treasury management and merchant services, personal wealth management and brokerage services, and other financial services to individuals, businesses, and municipalities. It operates in a single segment, which is Banking.
64GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.82
Price
$22.02
GF Value