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SVB & T Corp (SVBT) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of SVB & T Corp $97.32, price $72.75, upside +33.8%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN US7848661051

ST SVB & T Corp logo Some data Sep 23, 2026

SVB & T Corp

SVBT · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $97.32 · Undervalued (+34%)
!Quality 60/100
!Mixed Growth (revenue 5y +4.9 %/yr)
✓Highly profitable · 30.7% net margin (TTM)
✓Low debt · generates free cash flow
✓Ranks above peers (11/13)
✓Wide moat 66/100
!Evidence only medium, 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

$75.00 $27.73 Fair Value $97.32 Jun 2018 Sep 2026

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 $27.73 – $75.00 · fair‑value band $72.99 – $121.64 · the $72.75 price screens below the $97.32 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

SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company, providing banking and financial services to families and businesses in Dubois, Daviess, Gibson, Orange, and surrounding counties in southern Indiana.

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SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company, providing banking and financial services to families and businesses in Dubois, Daviess, Gibson, Orange, and surrounding counties in southern Indiana. The company offers checking, savings, and club accounts, certificates of deposit, individual retirement accounts, health savings accounts, and safe deposit boxes. It also provides personal loans, including mortgages, construction, professional, first-time home buyer, veterans and federal housing administration, US Department of Agriculture, home equity, and consumer and student loan products, and debit and credit cards. In addition, the company offers business loans, including commercial and agricultural loans, lines of credit, small business administration/farm service agency loans, and leases, as well as financial planning, investment management, estate planning and administration, trust services, and other services. Further, it provides brokerage services, such as mutual funds, annuities, tax-advantaged investments, life insurance products, retirement plans, and professionally managed accounts. Additionally, the company offers online solutions, which include online banking, estatements, bill pay, mobile banking, mobile deposit, transfer, and mobile wallet services, as well as card and cash management services. SVB & T Corporation was founded in 1902 and is headquartered in French Lick, Indiana.

Stock analysis

SVB & T Corp (SVBT) currently trades at $72.75, while our model-based Fair Value estimate is $97.32, implying the stock looks roughly 25.2% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $93.59 per share, and 2 of the 4 models we run sit above the $72.75 price.

Bear case: the Asset-Based group reads lowest at $44.79, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $72.99 (bear) to $121.64 (bull), the price of $72.75 sits below 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 60/100 (solid quality), in the Financial Services sector.

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

SVB & T Corp reported revenue of $31.0M in FY2025 versus $27.3M in FY2021, a compound +3.2%/yr. Reported net income was $8.8M in FY2025, compounding +4.6%/yr from FY2021.

Key figures

Market cap $80.0M · P/E ratio 8.3 · P/S ratio 2.38 · EPS (TTM) $8.72 · Net margin 28.5% · Return on equity 13.6% · Return on assets (EBIT) 1.2% · Operating margin 42.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 54% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 34%, SVBT screens cheaper than that median.

Fair Value models

Bear $72.99 Fair Value $97.32 Bull $121.64
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 2025 figures (about 9 months old). Earnings retained since then ($6.40 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 $55.56 $61.32 $80.64 76
P/E Multiple $77.99 $103.99 $129.98 63
P/B Multiple $70.20 $93.59 $116.99 55
All 4 models by family
Multiples
P/E Multiple $77.99 $103.99 $129.98 63
P/B Multiple $70.20 $93.59 $116.99 55
Asset-Based
NCAV (Graham) $33.43 $44.79 $66.85 54
Economic Profit
Residual Income $55.56 $61.32 $80.64 76

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Quality Score breakdown

Overall quality 60/100

Of which business quality 55 · Market factors (momentum, volatility) 87

Profitability 36
Margins and returns on capital today
Quality Growth 50
Are margins and returns improving?
Cashflow 81
Earnings quality: real cash, not paper profit
Fin. Strength 23
Balance sheet, leverage, solvency risk
Investment 75
Disciplined investing over empire-building
Low Volatility 94
Calm price path (market factor)
Momentum 78
Price trend over the last 3–12 months (market factor)
52W Momentum 97
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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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. 71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.3%
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.
+4.6%
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.
+4.9%
Start year 2020 (pandemic). Over 10 years: +8.5% a year
Revenue growth 26 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.
+5.1%
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.
+2.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.0%
Dividend (yield on the price)0.0%
Profit margin 2015 to 2019 ⓘ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.28% → 24%
⚠ Revenue per share shrinking 4.2%/yr over ~6Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

Growth Forecast

Price in line with expectations
The price assumes about as much growth as 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).
+2.1%
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 −0.3% a year for the price.

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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 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +34% · Top 25%
Profitability
Return on equity (TTM) 14% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 31% · Above median
Operating margin (TTM) 43% · Above median
Growth and dividend
Revenue growth 18% · Above median
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.14× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 8.3× · Cheapest 25%
P/B 1.08× · Cheaper than median
P/S (TTM) 2.53× · Cheaper than median
P/FCF 9.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)78 · sector 11
FUTURE (revenue growth)88 · sector 45
PAST (return on equity)54 · sector 41
HEALTH (low debt)93 · sector 85
DIVIDEND (yield)0 · sector 53

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
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Al Rajhi Banking and Investment Corporation 1120 64.45 SAR 36.95 SAR −43%

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Cite: Fair Value Calculator (2026). "SVB & T Corp Fair Value". https://www.fairvalue-calculator.com/stock/SVBT

Frequently asked questions

Is SVB & T Corp (SVBT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $97.32 versus a price of $72.75, about +34% upside (undervalued).
What is the fair value of SVBT?
Our model-based fair value for SVB & T Corp is $97.32 (as of Sep 23, 2026), built from audited fundamentals. The current price: $72.75.
What is the quality score of SVBT?
SVB & T Corp has a Quality Score of 60/100. 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 SVB & T Corp (SVBT)?
Our model-based price target is the fair value of $97.32 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $72.99, optimistic scenario $121.64. It is a calculation from audited fundamentals, not an analyst target.
What is the SVB & T Corp stock forecast for 2026?
Our models put fair value at $97.32, about +34% upside versus a price of $72.75 (undervalued). Cautious scenario $72.99, optimistic scenario $121.64. The calculation is refreshed regularly with new filings.
What is the revenue of SVB & T Corp (SVBT)?
SVB & T Corp reported trailing-twelve-month revenue of about $31.7M (latest available figure, as of Sep 23, 2026).
What growth is priced into SVB & T Corp (SVBT)?
For today's price to be fair in a discounted-cash-flow model, SVB & T Corp would have to grow free cash flow by +2.1 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SVBT use?
Our models discount SVB & T Corp at 11.2 %: a base by market capitalisation (micro), damped by beta 0.18, 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 SVB & T Corp that is +2.1 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has SVB & T Corp (SVBT) delivered so far?
Over the past 5 years revenue at SVB & T Corp grew +4.9 % a year. The price currently implies +2.1 % 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 SVB & T Corp (SVBT) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into SVB & T Corp (+2.1 % 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 SVB & T Corp (SVBT)?
The free-cash-flow yield on the price is 10.15 %: that much free cash flow SVB & T Corp produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SVB & T Corp (SVBT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SVB & T Corp it is $97.32 per share (as of Sep 23, 2026), against a price of $72.75. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is SVB & T Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SVBT trades below its calculated fair value: price $72.75, fair value $97.32, a gap of about +34% (undervalued). 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 SVBT?
No. The price is what the market pays today ($72.75); the fair value is what the company's own numbers justify ($97.32). For SVB & T Corp the two are $24.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is SVB & T Corp worth?
The market values SVB & T Corp at about $80.0M (market capitalisation, as of Sep 23, 2026). Per share that is $72.75; our models calculate a fair value of $97.32 per share.
What do the bullish and bearish scenarios say about SVBT?
Our models span a range for SVB & T Corp: cautious scenario $72.99, base $97.32, optimistic $121.64 per share (as of Sep 23, 2026, price $72.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SVBT?
SVB & T Corp trades at a price-to-earnings ratio of 8.3 (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 $97.32 is built from several models across several years. Other multiples: P/B 1.1, P/S 2.5.
How solid is the balance sheet of SVB & T Corp (SVBT)?
Balance-sheet figures for SVB & T Corp (as of Sep 23, 2026): return on equity 13.6%, debt of 0.14 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is SVBT from its 52-week high?
SVB & T Corp trades at $72.75, about 3% below its 52-week high of $75.00 and 54% above the low of $47.09 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $97.32 is for.
Which stocks are comparable to SVB & T Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 SVB & T Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $72.75, calculated fair value $97.32 (+34%), Quality Score 60/100, 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 SVBT calculated?
We run SVB & T Corp 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 $97.32, 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 13.0 % above its aggregate fair value. SVB & T Corp currently trades 34 % below its own fair value, and the market average says nothing about that. 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 SVB & T Corp (SVBT)?
The closing price on Sep 23, 2026 was $72.75. Our model-based fair value is $97.32, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SVB & T Corp right now?
Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. 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 SVB & T Corp

How large is the market capitalisation of SVB & T Corp (SVBT)?
The market capitalisation of SVB & T Corp is $80.0M. 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 SVB & T Corp (SVBT)?
The price-to-sales ratio of SVB & T Corp is 2.38 (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 SVB & T Corp (SVBT)?
Earnings per share at SVB & T Corp are $8.72 (price ÷ EPS = P/E 8.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SVB & T Corp (SVBT)?
The net margin of SVB & T Corp is 28.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SVB & T Corp (SVBT)?
The return on equity (ROE) of SVB & T Corp is 13.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SVB & T Corp (SVBT)?
On an EBIT basis the return on assets of SVB & T Corp is 1.2% (avg 4y). 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.
What is the operating margin of SVB & T Corp (SVBT)?
The operating margin of SVB & T Corp is 42.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SVB & T Corp (SVBT)?
Revenue at SVB & T Corp is growing +17.6% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SVB & T Corp (SVBT)?
Earnings per share at SVB & T Corp are growing +40.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SVB & T Corp (SVBT) carry?
The net debt of SVB & T Corp is $16.2M (fiscal year 2022, ≈ 2.0 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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