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Signature Bank of Georgia (SGBG) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Signature Bank of Georgia stock $7.90, price $54.78, that is 85.6% below the price, quality 29 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SB Signature Bank of Georgia logo Thin data Nov 9, 2026

Signature Bank of Georgia

SGBG · US
Very expensive, weak quality

Our calculation puts a fair price 86% below what the stock costs today.

Mixed Growth (revenue 5y +19.6 %/yr in USD)
Thin margins · 7.3% net margin (FY2024)
Fair value $7.90 · Strongly overvalued
Quality 29/100
Trails peers (0/11)
Narrow moat 30/100 · thin data
Thin data
Extreme value⚠ Dilution⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$68.65 $8.54 Fair Value $7.90 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $8.54 – $68.65 · fair‑value band $7.90 – $8.14 · the $54.78 price screens above the $7.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Signature Bank of Georgia provides personal and business banking products and services in Georgia. It offers savings, checking, IOLTA, and money market accounts; certificates of deposits; debit and credit cards; and personal, home, commercial, SBA, and specialized loans; and lines of credit.

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The company also provides treasury management services, such as ACH and wire, merchant card, payroll, fraud protection, and remote deposit capture services, as well as sweep and zero balance accounts; insurance products; bill pay, e-statements, and courier services; and online and mobile banking services.

Signature Bank of Georgia was incorporated in 2005 and is based in Sandy Springs, Georgia.

Stock analysis

Signature Bank of Georgia (SGBG) currently trades at $54.78, while our model-based Fair Value estimate is $7.90, 86% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $12.48 per share, and 0 of the 4 models we run sit above the $54.78 price.

Bear case: the Asset-Based group reads lowest at $8.69, and 4 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: $7.90 (bear) to $8.14 (bull), the price of $54.78 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 29/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Signature Bank of Georgia reported revenue of $18.4M in FY2024 versus $7.6M in FY2020, a compound +24.6%/yr. Reported net income was $1.3M in FY2024, compounding −1.2%/yr from FY2020.

Key figures

Market cap $48.9M Micro · P/E ratio 36.5 · P/S ratio 2.68 · EPS (TTM) $0.5200 · Net margin 7.3% · Return on assets (EBIT) 0.7% (5-year average) · Free cash flow $672K · Net debt $5.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 222% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −86%, SGBG screens richer than that median.

Fair Value models

Bear $7.90 Fair Value $7.90 Bull $8.14
Price $54.78 · Downside -85.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then ($0.5200 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $9.46 $9.29 $9.58 71
P/E Multiple $5.11 $6.81 $8.51 63
P/B Multiple $13.61 $18.15 $22.69 55
All 4 models by family
Multiples
P/E Multiple $5.11 $6.81 $8.51 63
P/B Multiple $13.61 $18.15 $22.69 55
Asset-Based
NCAV (Graham) $6.48 $8.69 $12.96 51
Economic Profit
Residual Income $9.46 $9.29 $9.58 71

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 29/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 41
Are margins and returns getting better?
Cashflow 34
Do the profits arrive as real cash?
Financial strength 24
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 50
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 87
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 68/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+44.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+3.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.6%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 7%

SGBG screens overvalued: fair value 86% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 0/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 29 · Bottom 25%
Fair Value upside −85.6% · Bottom 25%
Profitability
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 7.3% · Bottom 25%
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 36.5× · Priciest 25%
P/B 1.46× · Pricier than median
Price / free cash flow (fiscal year) 72.8× · Priciest 25%
EV/EBITDA 21.4× · Priciest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SGBG
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SGBG
BNP Paribas SA BNP €91.93 €106.01 +15% vs SGBG
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SGBG
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SGBG
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SGBG
Mizuho Financial Group MFG $9.40 $5.89 −37% vs SGBG
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SGBG
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SGBG
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SGBG

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Signature Bank of Georgia: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Signature Bank of Georgia Fair Value". https://www.fairvalue-calculator.com/stock/SGBG

Frequently asked questions

Is Signature Bank of Georgia (SGBG) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $7.90 versus a price of $54.78, about 86% lower (overvalued).
What is the fair value of SGBG?
Our model-based fair value for Signature Bank of Georgia is $7.90 (as of Nov 9, 2026), built from audited fundamentals. The current price: $54.78.
What is the quality score of SGBG?
Signature Bank of Georgia has a Quality Score of 29/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Signature Bank of Georgia (SGBG)?
Our model-based price target is the fair value of $7.90 (as of Nov 9, 2026) from 4 valuation models. Cautious scenario $7.90, optimistic scenario $8.14. It is a calculation from audited fundamentals, not an analyst target.
What is the Signature Bank of Georgia stock forecast for 2026?
Our models put fair value at $7.90, about 86% lower versus a price of $54.78 (overvalued). Cautious scenario $7.90, optimistic scenario $8.14. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Signature Bank of Georgia (SGBG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Signature Bank of Georgia it is $7.90 per share (as of Nov 9, 2026), against a price of $54.78. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Signature Bank of Georgia stock overvalued or undervalued in 2026?
As of Nov 9, 2026, SGBG trades above its calculated fair value: price $54.78, fair value $7.90, a gap of about −86% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SGBG?
No. The price is what the market pays today ($54.78); the fair value is what the company's own numbers justify ($7.90). For Signature Bank of Georgia the two are $46.88 per share apart. That gap is exactly why we show both numbers side by side.
How much is Signature Bank of Georgia worth?
The market values Signature Bank of Georgia at about $48.9M (market capitalisation, as of Nov 9, 2026). Per share that is $54.78; our models calculate a fair value of $7.90 per share.
What do the bullish and bearish scenarios say about SGBG?
Our models span a range for Signature Bank of Georgia: cautious scenario $7.90, base $7.90, optimistic $8.14 per share (as of Nov 9, 2026, price $54.78). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SGBG?
Signature Bank of Georgia trades at a price-to-earnings ratio of 36.5 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.90 is built from several models across several years. Other multiples: P/B 1.5, EV/EBITDA 21.4.
How far is SGBG from its 52-week high?
Signature Bank of Georgia trades at $54.78, about 20% below its 52-week high of $68.65 and 222% above the low of $17.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $7.90 is for.
Which stocks are comparable to Signature Bank of Georgia?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Signature Bank of Georgia stock attractive at the current price?
The data as of Nov 9, 2026: price $54.78, calculated fair value $7.90 (−86%), Quality Score 29/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SGBG calculated?
We run Signature Bank of Georgia through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Signature Bank of Georgia itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Signature Bank of Georgia (SGBG)?
The closing price on Nov 6, 2026 was $54.78. Our model-based fair value is $7.90, about 86% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Signature Bank of Georgia right now?
The price sits above even our optimistic bull case ($8.14). The favourable scenario is already priced in. Weak quality (29/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. The models converge in a tight band ($7.90 to $8.14), unusually little disagreement for a valuation.

Key figures of Signature Bank of Georgia

How large is the market capitalisation of Signature Bank of Georgia (SGBG)?
The market capitalisation of Signature Bank of Georgia is $48.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Signature Bank of Georgia (SGBG)?
The price-to-sales ratio of Signature Bank of Georgia is 2.68 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Signature Bank of Georgia (SGBG)?
Earnings per share at Signature Bank of Georgia are $0.5200 (price ÷ EPS = P/E 36.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Signature Bank of Georgia (SGBG)?
The net margin of Signature Bank of Georgia is 7.3% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Signature Bank of Georgia (SGBG)?
On an EBIT basis the return on assets of Signature Bank of Georgia is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Signature Bank of Georgia (SGBG) generate?
The free cash flow of Signature Bank of Georgia is $672K (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Signature Bank of Georgia (SGBG) carry?
The net debt of Signature Bank of Georgia is $5.6M (fiscal year 2024, ≈ 8.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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