SVB & T Corporation (SVBT) Fair Value & Analysis

Financial Services · US · Market cap $74.5M

A solid business, screening 51% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($77.99). The market is more pessimistic than our downside scenario.
• 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $27.73 – $72.36 · fair‑value band $77.99 – $129.98 · the $68.75 price screens below the $103.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

SVB & T Corporation (SVBT) currently trades at $68.75, while our model-based Fair Value estimate is $103.99, implying the stock looks roughly 51.3% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, SVB & T Corporation generated revenue of $31.7M at a net margin of 30.7%. Revenue grew 17.6% year over year. It earns a return on equity of 13.6%. Net debt stands at $16.2M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $77.99 (bear case) to $129.98 (bull case); at $68.75, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 62% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 51%, SVBT screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($93.59) versus Asset-Based ($44.79). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SVB & T Corporation 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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.