COMP <GO>
SBFG vs FINW // FREE CASH FLOW YIELD
SB Financial Group Inc. (NASDAQ) VS. FinWise Bancorp (NASDAQ) • 15-METRIC TALLY: SBFG 5
— FINW 2
▲ FREE CASH FLOW YIELD LEADER: SBFG
LAST: $30.89 (-1.06%) • MKT CAP: $195.2M
fcf-yield
12.31%
LAST: $13.19 (-1.05%) • MKT CAP: $185.1M
fcf-yield
-15.48%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SBFG VS. FINW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SBFG | FINW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.90% | 8.30% | +1.60 | SBFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 12.31% | -15.48% | +27.79 | SBFG | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.97% | 0.00% | +1.97 | SBFG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | SBFG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.1 | 72.6 | -8.49 | FINW | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.0x | 10.7x | +2.30 | FINW | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $195.2M | $185.1M | $10.2M | SBFG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SBFG REV | FINW REV | SBFG GROSS % | FINW GROSS % | SBFG FCF | FINW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $24.0M | -$28.6M |
| FY 2024 | $0 | $0 | — | — | $9.5M | -$16.1M |
| FY 2023 | $0 | $0 | — | — | $14.0M | $12.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SBFG // BETA —
FINW // BETA —