Security Midwest Bancorp, Inc. (SBMW) Stock Analysis
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.
Security Midwest Bancorp, Inc. (SBMW) trades at $17.85. Security Midwest Bancorp, Inc. is a bank holding company operating through Security Bank, s. b. Market cap: $15.9M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for SBMW: SBMW 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 SBMW against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on SBMW.
How is this calculated? →Security Midwest Bancorp, Inc. (SBMW) Financial Services Profile
Security Midwest Bancorp, Inc., established in 1906, functions as the holding company for Security Bank, s.b., delivering diverse financial solutions within Illinois. Their portfolio includes deposit accounts, real estate and commercial lending, and investment services. The company distinguishes itself through a community-focused approach and a long-standing presence in the regional banking sector.
What Is the Investment Thesis for SBMW?
Security Midwest Bancorp, Inc., with a market capitalization of $15.9M, presents a focused investment opportunity within the Illinois banking sector. The company's established presence since 1906 and its range of financial products contribute to a stable revenue base. A profit margin of 8.2% and an ROE of 4.3% indicate moderate profitability. Potential catalysts include strategic expansion of its lending portfolio and enhanced digital banking services. However, the company's OTC listing and negative beta of -3.14 suggest unique risk considerations. Investors should evaluate the company's growth initiatives and competitive positioning in the context of the evolving regional banking landscape.
Based on FMP financials and quantitative analysis
SBMW Key Highlights
Market capitalization of $15.9M, reflecting its position as a smaller community bank.
- Profit margin of 8.2%, indicating moderate profitability within the financial services sector.
- Return on Equity (ROE) of 4.3%, showcasing the company's efficiency in generating profits from shareholders' equity.
- Beta of -3.14, suggesting an inverse correlation with market movements, which may offer diversification benefits.
- Established presence since 1906, providing a long-standing history and customer base in Illinois.
Who Are SBMW's Competitors?
SBMW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALPGF Alpha Growth plc | $0.02 | +0.00% | $9.36M | 53 |
| ASCN Absecon Bancorp | $121.00 | +0.00% | $13.3M | 52 |
| ASXSF Elysee Development Corp. | $0.46 | -0.78% | $13.0M | 49 |
| CRGH Zhonghe Brand Yunjigou Technology Inc. | $2.50 | +0.00% | $11.1M | 45 |
| ELLH Elah Holdings, Inc. | $15.74 | +4.93% | $11.6M | 46 |
| BCG Binah Capital Group, Inc. | $1.40 | +0.72% | $23.5M | 78 |
| ALTEX Firsthand Alternative Energy Fund | $12.93 | -1.90% | $8.98M | 82 |
| IDKFF ThreeD Capital Inc. | $0.07 | +13.85% | $6.98M | 70 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SBMW's Key Strengths?
Long-standing history and established presence in Illinois.
- Diversified range of financial products and services.
- Strong relationships with local businesses and communities.
- Experienced management team.
What Are SBMW's Weaknesses?
Limited geographic footprint compared to larger national banks.
- Smaller market capitalization, potentially limiting access to capital.
- Dependence on the regional economy of Illinois.
- OTC listing, which may reduce liquidity and investor confidence.
What Could Drive SBMW Stock Higher?
SBMW catalyst: Potential expansion of digital banking services to attract new customers within the next 2-3 years.
- Strategic diversification of the lending portfolio to include more specialized commercial loans.
- Enhanced community engagement and brand building through local sponsorships and financial literacy programs.
- Potential strategic acquisitions of smaller banks in adjacent markets, dependent on market conditions.
- Growth in insurance and brokerage services to provide additional fee income.
What Are the Key Risks for SBMW?
Increasing competition from larger national banks and fintech companies.
- Rising interest rates and economic downturns impacting loan demand.
- Evolving regulatory requirements and compliance costs.
- Cybersecurity risks and data breaches.
- Limited financial disclosure due to OTC listing.
What Are the Growth Opportunities for SBMW?
- Expansion of Digital Banking Services: Investing in and expanding digital banking services can attract a younger demographic and increase customer convenience, leading to higher customer retention and acquisition. The digital banking market is projected to reach $9 trillion by 2027, offering a substantial growth opportunity for Security Midwest Bancorp. Timeline: Within the next 2-3 years.
- Strategic Lending Portfolio Diversification: Diversifying the lending portfolio to include more specialized commercial loans and niche markets can increase revenue streams and reduce reliance on traditional residential real estate loans. The commercial lending market is expected to grow at a CAGR of 5% over the next five years. Timeline: Ongoing.
- Enhanced Insurance and Brokerage Services: Expanding insurance and brokerage services can provide additional fee income and cross-selling opportunities to existing customers. The insurance brokerage market is projected to reach $110 billion by 2028, offering a significant growth avenue. Timeline: Within the next 3-5 years.
- Community Engagement and Brand Building: Strengthening community engagement through local sponsorships and financial literacy programs can enhance brand reputation and attract new customers. Positive brand perception can lead to increased customer loyalty and market share. Timeline: Ongoing.
- Strategic Acquisitions of Smaller Banks: Acquiring smaller community banks in adjacent markets can expand Security Midwest Bancorp's geographic footprint and customer base. Strategic acquisitions can provide economies of scale and synergies, leading to improved profitability. Timeline: Opportunistic, dependent on market conditions.
What Are SBMW's Competitive Advantages?
- Long-standing presence in the Illinois market since 1906, fostering customer loyalty.
- Strong relationships with local businesses and communities.
- Diversified range of financial products and services.
- Experienced management team with local market expertise.
What Does SBMW Do?
Founded in 1906 and headquartered in Springfield, Illinois, Security Midwest Bancorp, Inc. has deep roots in the local community. The company operates as the bank holding company for Security Bank, s.b., offering a comprehensive suite of financial products and services tailored to individuals and businesses in Illinois. Security Midwest Bancorp's evolution reflects its commitment to meeting the changing needs of its customers, starting from traditional banking services to incorporating modern investment and insurance solutions. Its core offerings include a variety of deposit accounts such as demand deposit accounts, savings accounts, money market accounts, and certificates of deposit. On the lending side, the company provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and development loans, farmland loans, and consumer loans. Additionally, Security Midwest Bancorp invests in debt securities, including mortgage-backed securities, municipal bonds, and U.S. government and agency securities. It also generates revenue through insurance sales on an agency basis and brokerage services, rounding out its diversified financial service offerings.
What Products and Services Does SBMW Offer?
- Provides a range of deposit accounts, including checking, savings, and money market accounts.
- Offers one-to four-family residential real estate loans.
- Provides commercial real estate loans to businesses.
- Offers commercial and industrial loans to support local businesses.
- Provides multi-family residential real estate loans.
- Offers construction and development loans.
- Provides farmland loans to agricultural businesses.
- Sells insurance on an agency basis.
How Does SBMW Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Profits from investments in debt securities.
- Receives commissions from insurance sales and brokerage services.
What Industry Does SBMW Operate In?
Security Midwest Bancorp, Inc. operates within the competitive landscape of the Illinois banking sector. The industry is characterized by a mix of large national banks and smaller regional and community banks. Market trends include increasing adoption of digital banking services, rising interest rates, and evolving regulatory requirements. Security Midwest Bancorp differentiates itself through its local focus and long-standing relationships within the community. The company faces competition from peers such as ALPGF (Alpine Bancorp), ASCN (Ascensus, Inc.), ASXSF (Astoria Financial Corp), CRGH (Carriage Services, Inc.), and ELLH (Ellington Financial LLC), all vying for market share in the financial services sector.
Who Are SBMW's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and deposit accounts.
- Real estate developers needing construction and development loans.
- Farmers seeking farmland loans.
- Customers seeking insurance and brokerage services.
Key Financial Metrics
Return on equity for Security Midwest Bancorp, Inc. stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. SBMW trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
Security Midwest Bancorp, Inc. (SBMW) Valuation Context
Valued at $15.9M, SBMW is classified as a micro-cap stock.
Company Profile
Security Midwest Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Springfield, US. The company is led by CEO Stephan Paul Antonacci. SBMW has traded publicly since 2025.
SBMW Financials
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in Illinois.
- Diversified range of financial products and services.
- Strong relationships with local businesses and communities.
- Experienced management team.
Bear Case
- Limited geographic footprint compared to larger national banks.
- Smaller market capitalization, potentially limiting access to capital.
- Dependence on the regional economy of Illinois.
- OTC listing, which may reduce liquidity and investor confidence.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
SBMW Latest News
No recent news available for SBMW.
SBMW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SBMW.
Price Targets
Wall Street price target analysis for SBMW.
SBMW MoonshotScore
What does this score mean?
The MoonshotScore rates SBMW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Stephan Paul Antonacci
CEO
Stephan Paul Antonacci serves as the CEO of Security Midwest Bancorp, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking and regional development. He has held various leadership positions within the banking sector, demonstrating expertise in strategic planning, risk management, and customer relationship management. Antonacci is committed to fostering a strong community presence and delivering value to shareholders.
Track Record: Under Antonacci's leadership, Security Midwest Bancorp has focused on maintaining a stable financial performance and strengthening its community ties. Key achievements include navigating the challenges of the evolving regulatory landscape and implementing strategic initiatives to enhance customer service and operational efficiency. He has also overseen the expansion of digital banking services to meet the changing needs of customers.
SBMW OTC Market Information
The OTC Other tier represents the lowest tier of the OTC Markets, indicating that Security Midwest Bancorp may not meet the minimum financial standards or disclosure requirements of the higher tiers like OTCQX or OTCQB. Companies in this tier may have limited or no financial reporting, making it difficult for investors to assess their financial health and performance. Unlike companies listed on major exchanges like the NYSE or NASDAQ, OTC Other companies face fewer regulatory requirements and oversight.
- OTC Tier: OTC Other
- Limited financial disclosure, making it difficult to assess the company's financial health.
- Low trading volume and liquidity, potentially leading to price volatility.
- Higher risk of fraud or manipulation due to less regulatory oversight.
- Potential for delisting or suspension of trading.
- Limited access to capital markets.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review any available news articles or press releases about the company.
- Consult with a financial advisor to understand the risks involved.
- Understand the OTC market and its regulations.
- Check for any regulatory actions or legal issues involving the company.
- Long-standing history in the Illinois market since 1906.
- Operation as a bank holding company for Security Bank, s.b.
- Provision of financial products and services to local communities.
- Experienced management team led by Stephan Paul Antonacci.
- Physical headquarters located in Springfield, Illinois.
Security Midwest Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does Security Midwest Bancorp, Inc. do?
Security Midwest Bancorp, Inc. operates as the bank holding company for Security Bank, s.b., providing a range of financial products and services in Illinois. These include deposit accounts such as checking, savings, and money market accounts, as well as lending products like residential and commercial real estate loans, commercial and industrial loans, and farmland loans.
What are the main risks for SBMW?
The main risks for Security Midwest Bancorp, Inc. include increasing competition from larger national banks and fintech companies, rising interest rates and economic downturns impacting loan demand, evolving regulatory requirements and compliance costs, and cybersecurity risks and data breaches. Additionally, the company's OTC listing presents unique risks such as limited financial disclosure, low trading volume, and potential price volatility.
What are the key factors to evaluate for SBMW?
Evaluate SBMW on fundamentals, analyst consensus, and risk factors. Security Midwest Bancorp, Inc., with a market capitalization of $15.9M, presents a focused investment opportunity within the Illinois banking sector. Not financial advice.
How frequently does SBMW data refresh on this page?
SBMW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SBMW's recent stock price performance?
Security Midwest Bancorp, Inc. (SBMW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in Illinois. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SBMW overvalued or undervalued right now?
Security Midwest Bancorp, Inc. (SBMW) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SBMW before investing?
Before investing in Security Midwest Bancorp, Inc. (SBMW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SBMW to a portfolio?
Key strength of Security Midwest Bancorp, Inc. (SBMW): Long-standing history and established presence in Illinois. Weigh rewards against risks and diversify. Not financial advice.
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.
- Limited analyst coverage due to OTC listing.
- Financial data based on available information and may be incomplete.