SB Financial Group Inc (SBFG)vsWells Fargo & Company (WFC)
SBFG
SB Financial Group Inc
$20.48
-1.35%
FINANCIAL SERVICES · Cap: $132.35M
WFC
Wells Fargo & Company
$80.60
+0.04%
FINANCIAL SERVICES · Cap: $248.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 123912% more annual revenue ($80.04B vs $64.54M). WFC leads profitability with a 26.7% profit margin vs 21.6%. SBFG trades at a lower P/E of 9.6x. WFC earns a higher WallStSmart Score of 72/100 (B).
SBFG
Buy63
out of 100
Grade: C+
WFC
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.9%
Fair Value
$61.85
Current Price
$20.48
$41.37 discount
Margin of Safety
+53.6%
Fair Value
$173.78
Current Price
$80.60
$93.18 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 31.4%
Keeps 22 of every $100 in revenue as profit
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.9%
Generating 4.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SBFG
The strongest argument for SBFG centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 21.6% and operating margin at 31.4%.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.9%.
Bear Case : SBFG
The primary concerns for SBFG are Market Cap.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SBFG profiles as a mature stock while WFC is a value play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.07 — expect wider price swings.
SBFG is growing revenue faster at 7.5% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (72/100 vs 63/100), backed by strong 26.7% margins. SBFG offers better value entry with a 65.9% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
SB Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?