DDM Analysis: SBFG

Valuation Snapshot

Stable Growth	$131.74 - $420.98	$394.52
Multi-Stage	$55.68 - $60.94	$58.26
Blended Fair Value	$226.39
Current Price	$19.29
Upside	1,073.61%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	10.09%	17.02%	0.58	0.55	0.53	0.49	0.47	0.36	0.32	0.21	0.18	0.15
YoY Growth	-	-	5.19%	4.95%	8.79%	2.25%	31.70%	11.53%	53.45%	15.42%	20.04%	25.54%
Dividend Yield	-	-	2.80%	3.97%	3.74%	2.44%	2.73%	3.40%	1.88%	1.20%	1.15%	1.55%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	13.69
(-) Cash Dividends Paid (M)	3.84
(=) Cash Retained (M)	9.86

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.74	1.71	1.03
Cash Retained (M)	9.86	9.86	9.86
(-) Cash Required (M)	-2.74	-1.71	-1.03
(=) Excess Retained (M)	7.12	8.14	8.83
(/) Shares Outstanding (M)	6.47	6.47	6.47
(=) Excess Retained per Share	1.10	1.26	1.36
LTM Dividend per Share	0.59	0.59	0.59
(+) Excess Retained per Share	1.10	1.26	1.36
(=) Adjusted Dividend	1.69	1.85	1.96
WACC / Discount Rate	6.86%	6.86%	6.86%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$131.74	$394.52	$420.98
Upside / Downside	582.92%	1,945.21%	2,082.38%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	13.69	14.58	15.53	16.54	17.61	18.76	19.32
Payout Ratio	28.02%	40.41%	52.81%	65.21%	77.60%	90.00%	92.50%
Projected Dividends (M)	3.84	5.89	8.20	10.78	13.67	16.88	17.87

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.86%	6.86%	6.86%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	5.46	5.51	5.57
Year 2 PV (M)	7.05	7.18	7.32
Year 3 PV (M)	8.59	8.84	9.09
Year 4 PV (M)	10.10	10.48	10.88
Year 5 PV (M)	11.56	12.12	12.70
PV of Terminal Value (M)	317.34	332.66	348.58
Equity Value (M)	360.09	376.80	394.13
Shares Outstanding (M)	6.47	6.47	6.47
Fair Value	$55.68	$58.26	$60.94
Upside / Downside	188.62%	202.01%	215.90%

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601236.SS	Hongta Securities Co., Ltd.	2.42%	$0.20	95.69%
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NMAN.ST	Nederman Holding AB (publ)	2.42%	$4.00	47.45%
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0U96.L	Everest Re Group, Ltd.	2.41%	$8.07	61.23%
3591.T	Wacoal Holdings Corp.	2.41%	$106.27	49.77%
601966.SS	Shandong Linglong Tyre Co.,Ltd.	2.41%	$0.35	42.43%
7951.T	Yamaha Corporation	2.41%	$26.35	66.95%
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SB Financial Group, Inc. (SBFG)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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