S.B.C.P. Bancorp, Inc. (SBBI) Stock Analysis
DELISTED 2025
What happened to S.B.C.P. Bancorp, Inc. (SBBI) stock?
S.B.C.P. Bancorp, Inc. (SBBI) no longer trades on public markets. It was delisted in April 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
S.B.C.P. Bancorp, Inc. (SBBI) trades at $95.00. S. B. C. Sector: Financial services.
Last analyzed: Jun 14, 2026Analyst Coverage for SBBI: SBBI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SBBI against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
SBBI: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →S.B.C.P. Bancorp, Inc. (SBBI) Financial Services Profile
S.B.C.P. Bancorp, Inc. is a regional financial services provider specializing in personal and business banking solutions, with a strong community presence in Wisconsin and a diversified product offering that includes loans, investment management, and digital banking services.
What Is the Investment Thesis for SBBI?
S.B.C.P. Bancorp, Inc. is positioned for growth through its diverse product offerings and strong community presence. With a P/E ratio of 9.21, the company is valued attractively compared to industry peers, suggesting potential for upside. The profit margin of 16.5% indicates efficient operations, while a gross margin of 62.3% reflects strong revenue generation capabilities. The bank's focus on expanding its loan portfolio, particularly in small business and real estate lending, provides a solid growth catalyst. Additionally, the ongoing digital transformation initiatives are expected to enhance customer engagement and operational efficiency. The company's dividend yield of 1.44% adds to its appeal, providing a return to shareholders while retaining capital for growth. Key risks include regulatory challenges and competition from larger financial institutions, which could impact market share and profitability.
Based on FMP financials and quantitative analysis
SBBI Key Highlights
P/E ratio of 9.21, indicating attractive valuation compared to industry peers.
- Profit margin of 16.5%, showcasing efficient operational management.
- Gross margin of 62.3%, reflecting strong revenue generation capabilities.
- Dividend yield of 1.44%, providing a return to shareholders.
- Diverse product offerings, including personal and commercial loans, enhancing revenue streams.
Who Are SBBI's Competitors?
SBBI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WBS Webster Financial Corporation | $77.57 | -0.51% | $12.6B | 84 |
| CZR Caesars Entertainment, Inc. | $29.59 | -0.14% | $6.03B | — |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SBBI's Key Strengths?
Established brand with over 100 years of history.
- Strong profit margins and efficient operations.
- Diverse range of financial products and services.
What Are SBBI's Weaknesses?
Limited geographic presence compared to larger banks.
- Potentially lower brand recognition outside local markets.
- Dependence on the local economy for growth.
What Could Drive SBBI Stock Higher?
Expansion of digital banking services to enhance customer engagement.
- Growth in loan portfolio driven by demand for small business and real estate loans.
- Continued investment in wealth management services to attract affluent clients.
- Community engagement initiatives aimed at increasing brand awareness and customer loyalty.
What Are the Key Risks for SBBI?
Regulatory changes that could impact operational costs and compliance requirements.
- Intense competition from larger banks and fintech companies.
- Economic downturns affecting loan performance and customer repayment abilities.
What Are the Growth Opportunities for SBBI?
- Expansion of Loan Portfolio: S.B.C.P. Bancorp aims to increase its loan portfolio, particularly in small business and commercial real estate lending. The U.S. small business lending market is projected to grow at a CAGR of 4.5% over the next five years, providing ample opportunities for the bank to capture market share and drive revenue growth.
- Digital Banking Services: The shift towards digital banking is accelerating, with the online banking market expected to grow by 10% annually. S.B.C.P. Bancorp's investment in digital banking technologies will enhance customer experience and attract tech-savvy clients, positioning the bank for sustained growth in a competitive environment.
- Wealth Management Services: The wealth management sector is experiencing robust growth, with an estimated market size of $100 trillion by 2025. S.B.C.P. Bancorp's expansion of its wealth management and investment services will cater to affluent customers seeking personalized financial advice, driving additional revenue streams.
- Agricultural Lending: With agriculture being a significant sector in Wisconsin, S.B.C.P. Bancorp's focus on agriculture loans positions it well to serve the local farming community. The agricultural lending market is expected to grow as farmers seek financing for equipment and land development, providing a stable revenue source for the bank.
- Community Engagement Initiatives: S.B.C.P. Bancorp's commitment to community involvement and support for local businesses enhances its reputation and customer loyalty. By continuing to invest in community programs and partnerships, the bank can strengthen its market position and attract new customers.
What Are SBBI's Competitive Advantages?
- Strong community presence and local decision-making enhance customer loyalty.
- Diverse product offerings cater to various customer needs.
- Established reputation built over more than a century of operation.
What Does SBBI Do?
S.B.C.P. Bancorp, Inc., founded in 1908, serves as the holding company for the State Bank of Cross Plains, a community-focused financial institution headquartered in Cross Plains, Wisconsin. The bank has grown significantly over the years, expanding its footprint to include full-service offices in multiple locations across Dane, Green, and Rock counties. S.B.C.P. Bancorp offers a comprehensive suite of financial services, including personal and business checking and savings accounts, individual retirement accounts, and certificates of deposit. The company also provides various loan products such as personal loans, home equity loans, construction loans, and small business loans, catering to a diverse clientele. In addition to traditional banking services, S.B.C.P. Bancorp offers wealth and investment management, retirement planning, and estate services, positioning itself as a one-stop financial resource for its customers. The bank's commitment to community banking is reflected in its personalized service and local decision-making, which enhances customer relationships and fosters loyalty. With a focus on innovation, S.B.C.P. Bancorp has embraced online and mobile banking technologies, allowing customers to manage their finances conveniently and securely. The bank operates a motor bank and a loan production office, further enhancing its accessibility within the region.
What Products and Services Does SBBI Offer?
- Provide personal and business checking and savings accounts.
- Offer a variety of loans including personal, home equity, and small business loans.
- Deliver wealth management and investment services.
- Facilitate online and mobile banking for convenient access.
- Conduct commercial real estate and construction financing.
- Provide insurance products and payment services.
How Does SBBI Make Money?
- Generate revenue through interest on loans and fees from banking services.
- Offer investment management and financial planning services for additional income.
- Leverage community relationships to attract and retain customers.
- Utilize digital banking to enhance service delivery and operational efficiency.
What Industry Does SBBI Operate In?
The regional banking industry is characterized by a competitive landscape with a mix of community banks and larger financial institutions. As consumer preferences shift towards personalized banking experiences, community banks like S.B.C.P. Bancorp are well-positioned to capitalize on this trend. The industry is expected to grow steadily, driven by increasing demand for local banking services and the expansion of digital banking solutions. S.B.C.P. Bancorp's focus on community engagement and tailored financial products differentiates it from larger competitors, allowing it to maintain a strong market presence.
Who Are SBBI's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring financial solutions.
- Agricultural clients needing specialized loans.
- Affluent customers seeking wealth management and investment advice.
Company Profile
S.B.C.P. Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Cross Plains, US. The company is led by CEO Charles L. Saeman. SBBI has traded publicly since 2012.
Key Financial Metrics
Return on equity for S.B.C.P. Bancorp, Inc. stands at 9.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. SBBI trades at a trailing price-to-earnings ratio of 12.03, below the Financial Services sector average of ~18x. A current ratio of 13.70 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.3%, the inverse of the P/E and a quick read on earnings relative to price.
SBBI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Established brand with over 100 years of history.
- Strong profit margins and efficient operations.
- Diverse range of financial products and services.
- Upcoming: Expansion of digital banking services to enhance customer engagement.
Bear Case
- Limited geographic presence compared to larger banks.
- Potentially lower brand recognition outside local markets.
- Dependence on the local economy for growth.
- Potential: Regulatory changes that could impact operational costs and compliance requirements.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SBBI Latest News
No recent news available for SBBI.
Leadership: Charles L. Saeman
CEO
Charles L. Saeman has been leading S.B.C.P. Bancorp, Inc. since its inception, bringing over 30 years of experience in the banking industry. He holds a degree in finance from the University of Wisconsin and has held various leadership roles in community banking prior to his current position. His expertise in financial management and strategic planning has been pivotal in guiding the company through various economic cycles.
Track Record: Under Saeman's leadership, S.B.C.P. Bancorp has seen consistent growth in its loan portfolio and a significant increase in customer deposits. His strategic focus on community engagement and digital transformation has positioned the bank for future success.
SBBI OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the requirements for the higher tiers. This tier includes smaller companies that may have less stringent reporting requirements compared to those listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Less regulatory oversight compared to stocks listed on major exchanges.
- Potential for lower liquidity, making it harder to buy or sell shares.
- Limited access to financial information and disclosures.
- Review the company's financial health and performance metrics.
- Assess management's track record and strategic vision.
- Investigate competitive positioning and market trends.
- Examine regulatory compliance and potential risks.
- Consider the company's growth strategies and market opportunities.
- Established history of operation since 1908.
- Active engagement in community banking and local initiatives.
- Diverse product offerings that meet customer needs.
Common Questions About SBBI (Financial Services)
What happened to S.B.C.P. Bancorp, Inc. (SBBI) stock?
S.B.C.P. Bancorp, Inc. (SBBI) no longer trades on public markets. It was delisted in April 2025. The figures below are historical and are not a current quote.
Can I still buy SBBI shares?
No. SBBI stopped trading on public markets in April 2025, so the shares are not available through a broker. Anything you see quoted for SBBI elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before SBBI stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to S.B.C.P. Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does S.B.C.P. Bancorp, Inc. do?
S.B.C.P. Bancorp, Inc. operates as the holding company for State Bank of Cross Plains, providing a comprehensive range of personal and business financial services. This includes checking and savings accounts, various loan products, wealth management, and investment services, all tailored to meet the needs of customers in Dane, Green, and Rock counties.
What are the main risks for SBBI?
S.B.C.P. Bancorp, Inc. faces several risks, including regulatory challenges that may impact compliance costs and operational flexibility. Additionally, the bank must navigate intense competition from larger financial institutions and fintech companies, which could affect its market share. Economic downturns also pose a risk, as they can lead to increased loan defaults and reduced demand for banking services.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.