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Signature Bank of Georgia (SGBG) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Signature Bank of Georgia $7.90, price $55.70, upside -85.8%, quality 30 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Thin data
Sep 23, 2026
Thin data
Sep 23, 2026
Signature Bank of Georgia
SGBG · USStructural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Weakest SetupStrongly overvalued and low quality.
!Fair value $7.90 · Strongly overvalued (−86%)
!Quality 30/100
!Mixed Growth (revenue 5y +19.6 %/yr)
!Thin margins · 7.3% net margin (FY2024)
✓generates free cash flow
!Trails peers (0/11)
!Narrow moat 30/100
!Evidence only low, so the estimate is less certain
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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
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $8.54 – $68.65 · the $55.70 price screens above the $7.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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. 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 $55.70, while our model-based Fair Value estimate is $7.90, implying the stock looks roughly 605.2% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $9.38 per share, and 0 of the 4 models we run sit above the $55.70 price.
Bear case: the Multiples group reads lowest at $6.81, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 30/100 (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 · P/E ratio 36.5 · P/S ratio 2.68 · EPS (TTM) $0.5200 · Net margin 7.3% · Return on assets (EBIT) 0.7% · Free cash flow $672K · Net debt $5.6M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 232% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −86%, SGBG screens richer than that median.
Fair Value models
Bear $7.90
Fair Value $7.90
Bull $7.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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.
Evidence ⓘEvidence = 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.
Highest evidence
Residual Income
$9.53
$9.38
$8.30
71
P/E Multiple
$5.11
$6.81
$8.51
63
P/B Multiple
$6.68
$8.90
$11.13
55
All 4 models by family
Multiples
P/E Multiple
$5.11
$6.81
$8.51
63
P/B Multiple
$6.68
$8.90
$11.13
55
Asset-Based
NCAV (Graham)
$6.49
$8.69
$12.98
51
Economic Profit
Residual Income
$9.53
$9.38
$8.30
71
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Set up alert →Quality Score breakdown
Overall quality
30/100
Of which business quality 29 · Market factors (momentum, volatility) 47
Profitability
19
Margins and returns on capital today
Quality Growth
41
Are margins and returns improving?
Cashflow
34
Earnings quality: real cash, not paper profit
Fin. Strength
24
Balance sheet, leverage, solvency risk
Investment
71
Disciplined investing over empire-building
Low Volatility
0
Calm price path (market factor)
Momentum
54
Price trend over the last 3–12 months (market factor)
52W Momentum
88
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
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%
’19
’20
’21
’22
’23
’24
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%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+54.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +51.1% a year for the price.
SGBG screens 605% overvalued. Compare with DBS Group →
Compare Signature Bank of Georgia with another stock
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 0/10 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA 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 |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Frequently asked questions
Is Signature Bank of Georgia (SGBG) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $7.90 versus a price of $55.70, about −86% upside (overvalued).
What is the fair value of SGBG?
Our model-based fair value for Signature Bank of Georgia is $7.90 (as of Sep 23, 2026), built from audited fundamentals. The current price: $55.70.
What is the quality score of SGBG?
Signature Bank of Georgia has a Quality Score of 30/100. 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 Sep 23, 2026) from 4 valuation models. 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% upside versus a price of $55.70 (overvalued). The calculation is refreshed regularly with new filings.
What growth is priced into Signature Bank of Georgia (SGBG)?
For today's price to be fair in a discounted-cash-flow model, Signature Bank of Georgia would have to grow free cash flow by +54.7 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +19.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SGBG use?
Our models discount Signature Bank of Georgia at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Signature Bank of Georgia that is +54.7 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Signature Bank of Georgia (SGBG) delivered so far?
Over the past 5 years revenue at Signature Bank of Georgia grew +19.7 % a year. The price currently implies +54.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Signature Bank of Georgia (SGBG) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Signature Bank of Georgia (+54.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Signature Bank of Georgia (SGBG)?
The free-cash-flow yield on the price is 0.47 %: that much free cash flow Signature Bank of Georgia produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 Sep 23, 2026), against a price of $55.70. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Signature Bank of Georgia stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SGBG trades above its calculated fair value: price $55.70, 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 ($55.70); the fair value is what the company's own numbers justify ($7.90). For Signature Bank of Georgia the two are $47.80 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 Sep 23, 2026). Per share that is $55.70; our models calculate a fair value of $7.90 per share.
What is the P/E ratio of SGBG?
Signature Bank of Georgia trades at a price-to-earnings ratio of 36.5 (as of Sep 23, 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 $55.70, about 19% below its 52-week high of $68.65 and 232% above the low of $16.79 (as of Sep 24, 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 DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Sep 23, 2026: price $55.70, calculated fair value $7.90 (−86%), Quality Score 30/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.90, 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 14.0 % 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 Sep 24, 2026 was $55.70. Our model-based fair value is $7.90, about −86% upside (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 ($7.90). The favourable scenario is already priced in. Weak quality (30/100) 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. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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 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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