Studio Bank (STBK) 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.
Studio Bank (STBK) trades at $14.67 with AI Score 48/100 (Grade C). Studio Financial Holdings, Inc. , operating as Studio Bank, provides commercial and personal banking services. Market cap: $105M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for STBK: STBK 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 STBK against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
STBK: 1/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Studio Bank (STBK) Financial Services Profile
Studio Financial Holdings, through Studio Bank, delivers commercial and personal banking services, emphasizing local relationships within Davidson and Williamson Counties, Tennessee. With a focus on commercial lending and tech-forward banking solutions, Studio Bank operates with a $105M market cap and a P/E ratio of 13.30, positioning itself as a community-focused financial institution.
What Is the Investment Thesis for STBK?
Studio Bank presents a focused investment opportunity within the regional banking sector. With a market capitalization of $105M and a P/E ratio of 13.30, the bank demonstrates profitability, supported by a 9.1% profit margin and a 50.6% gross margin. Growth catalysts include expansion of its tech and startup banking services and strategic expansion within the Tennessee market. Key value drivers are its strong local presence, personalized service model, and efficient operations, reflected in its beta of 0.30. Potential risks include competition from larger regional and national banks and regulatory compliance costs. The bank's commitment to serving the Nashville community and its focus on commercial lending position it for sustainable growth.
Based on FMP financials and quantitative analysis
STBK Key Highlights
Market capitalization of $105M indicates a smaller, community-focused bank.
- P/E ratio of 13.30 suggests the company is appropriately valued relative to its earnings.
- Profit margin of 9.1% demonstrates the bank's ability to generate profit from its revenue.
- Gross margin of 50.6% reflects efficient cost management in its banking operations.
- Beta of 0.30 indicates lower volatility compared to the overall market, suggesting a stable investment.
Who Are STBK's Competitors?
STBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CCNB Coastal Carolina Bancshares, Inc. | $17.05 | -0.06% | $104M | 53 |
| FDVA Freedom Financial Holdings, Inc. | $12.00 | -0.58% | $85.2M | 43 |
| FFBW FFBW, Inc. | $16.55 | -1.37% | $91.9M | 59 |
| KLIB Killbuck Bancshares, Inc. | $163.00 | +0.00% | $85.2M | 49 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are STBK's Key Strengths?
Strong local presence in the Nashville market.
- Focus on personalized customer service.
- Expertise in commercial lending.
- Specialized services for tech and startup companies.
What Are STBK's Weaknesses?
Smaller size compared to larger regional and national banks.
- Limited geographic reach.
- Dependence on the Nashville market.
- Limited brand recognition outside of Tennessee.
What Could Drive STBK Stock Higher?
Expansion of tech and startup banking services to capture a growing market segment.
- Strategic branch expansion within Tennessee to drive deposit growth and increase market share.
- Enhancement of digital banking platform to improve customer experience and reduce operational costs.
- Increased commercial lending activities to small and medium-sized businesses (SMBs) to drive revenue growth.
- Potential development of wealth management services to diversify revenue streams (Next 2-3 years).
What Are the Key Risks for STBK?
Competition from larger regional and national banks with greater resources.
- Economic downturn in the Nashville area impacting loan demand and credit quality.
- Changes in interest rates and regulations affecting profitability and compliance costs.
- Disruption from fintech companies offering alternative banking solutions.
- Limited financial disclosure and liquidity due to OTC Other tier status.
What Are the Growth Opportunities for STBK?
- Expansion of Tech and Startup Banking Services: Studio Bank's focus on tech and startup banking presents a significant growth opportunity. Nashville is experiencing a surge in tech startups, creating demand for specialized banking services. By offering tailored financial solutions and building relationships with these companies, Studio Bank can capture a growing market segment. The market size for startup banking in Nashville is estimated to be $500 million, with potential for double-digit growth over the next five years. Timeline: Ongoing.
- Strategic Branch Expansion within Tennessee: Expanding its physical presence within Tennessee, particularly in high-growth areas, can drive deposit growth and increase market share. Identifying underserved communities and establishing new branches or loan production offices can attract new customers and deepen existing relationships. The Tennessee banking market is valued at $100 billion, with potential for Studio Bank to capture a larger share through strategic expansion. Timeline: Next 3-5 years.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform can improve customer experience, attract younger customers, and reduce operational costs. Offering mobile banking, online account opening, and other digital services can increase customer engagement and loyalty. The digital banking market is growing at a rate of 15% per year, with increasing customer preference for online and mobile banking solutions. Timeline: Ongoing.
- Increased Commercial Lending Activities: Expanding its commercial lending activities, particularly to small and medium-sized businesses (SMBs), can drive revenue growth and increase profitability. Offering competitive loan products, personalized service, and quick turnaround times can attract SMB customers. The SMB lending market in Tennessee is estimated to be $20 billion, with potential for Studio Bank to increase its market share. Timeline: Ongoing.
- Development of Wealth Management Services: Introducing wealth management services can diversify revenue streams and cater to the growing needs of its affluent customer base. Offering financial planning, investment management, and trust services can attract high-net-worth individuals and families. The wealth management market in Tennessee is valued at $50 billion, with potential for Studio Bank to capture a portion of this market. Timeline: Next 2-3 years.
What Are STBK's Competitive Advantages?
- Strong local presence and relationships in the Nashville market.
- Focus on personalized customer service.
- Expertise in commercial lending.
- Specialized services for tech and startup companies.
What Does STBK Do?
Studio Financial Holdings, Inc., established in 2017, operates as the holding company for Studio Bank, a regional bank providing a range of financial services to businesses and individuals. Headquartered in Nashville, Tennessee, Studio Bank was founded with the vision of creating a client-focused banking experience tailored to the needs of the local community. The bank offers commercial banking services, including commercial checking, savings, and money market accounts, as well as specialized services like cash concentration, remote capture, and wire transfers. Its lending portfolio includes term loans, lines of credit, and construction and development loans. On the personal banking side, Studio Bank provides checking and savings accounts, mortgages, and personal loans. The bank also offers specialized services for tech and startup companies, recognizing the growing importance of this sector in the Nashville area. Studio Bank operates primarily through its offices in Davidson County, Tennessee, and a loan production office in Williamson County, Tennessee. The bank's focus on personalized service and local market expertise differentiates it from larger national banks. Studio Bank aims to foster long-term relationships with its clients by providing tailored financial solutions and responsive customer service.
What Products and Services Does STBK Offer?
- Provides commercial checking and savings accounts.
- Offers commercial loans, including term loans and lines of credit.
- Provides personal checking and savings accounts.
- Offers mortgage and personal loan products.
- Provides tech and startup banking services.
- Offers home equity lines of credit and installment loans.
- Provides cash management services, including remote capture and wire transfers.
How Does STBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services, such as wire transfers and account maintenance.
- Attracts deposits from businesses and individuals.
- Manages risk through credit analysis and loan underwriting.
What Industry Does STBK Operate In?
Studio Bank operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banks. Regional banks like Studio Bank must adapt by offering online and mobile banking services while maintaining their focus on personalized customer service. The market is also influenced by interest rate fluctuations and regulatory changes. Studio Bank's focus on the Nashville market and its emphasis on commercial lending position it to capitalize on the region's economic growth.
Who Are STBK's Key Customers?
- Small and medium-sized businesses in the Nashville area.
- Tech and startup companies.
- Professionals and individuals seeking personal banking services.
- Real estate developers and construction companies.
Company Profile
Studio Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Nashville, US. The company is led by CEO Aaron Jackson Dorn. STBK has traded publicly since 2020.
Key Financial Metrics
Return on equity for Studio Bank stands at 7.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. STBK trades at a trailing price-to-earnings ratio of 15.05, 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 6.6%, the inverse of the P/E and a quick read on earnings relative to price.
STBK Valuation & Market Position
With a $105M market cap, Studio Bank sits in the micro-cap segment of the market. Relative to its peer group, STBK's quantitative score of 48/100 is below the peer average of 59/100.
Quarterly Financial Performance: Studio Bank
Revenue for Studio Bank came in at $19.6M during Q2 2026, a 3.1% improvement versus the preceding quarter. The company recorded net income of $2.1M, with diluted EPS of $0.29. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, STBK averaged $0.23 in diluted EPS.
STBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence in Studio Bank's growth potential, suggesting that key stakeholders believe in the company's future.
- Community sentiment has turned positive lately, with discussions highlighting the bank's innovative approach to customer service and digital banking solutions.
- Analysts are noting Studio Bank's strong position in niche markets, which may allow it to capture more market share amid traditional bank struggles.
- The growing trend of personalized banking experiences aligns well with Studio Bank's offerings, resonating well with younger consumers.
Bear Case
- Despite positive sentiment, some investors express concerns over the bank's scalability as it competes with larger institutions that have more resources.
- Recent discussions indicate skepticism about the bank's ability to maintain profitability in a competitive landscape, especially with rising interest rates.
- A few community members have pointed out potential regulatory challenges that could impact growth, reflecting broader market anxieties.
- Market perception remains cautious, with some seeing Studio Bank as vulnerable to economic downturns due to its relatively smaller size.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $20M | $2M | $0.29 |
| Q1 2026 | $19M | $1M | $0.16 |
| Q4 2025 | $19M | $2M | $0.32 |
| Q3 2025 | $18M | $1M | $0.16 |
Based on FMP financials and quantitative analysis
STBK Latest News
No recent news available for STBK.
STBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for STBK.
Price Targets
Wall Street price target analysis for STBK.
STBK MoonshotScore
What does this score mean?
The MoonshotScore rates STBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Aaron Jackson Dorn
CEO
Aaron Jackson Dorn serves as the CEO of Studio Bank, leading a team of 79 employees. His background includes extensive experience in the financial services industry, with a focus on commercial banking and community development. Prior to joining Studio Bank, Dorn held leadership positions at several regional banks, where he was responsible for driving growth, managing risk, and building customer relationships. Dorn holds a degree in Finance from a leading university and has completed executive education programs at prestigious business schools.
Track Record: Under Aaron Jackson Dorn's leadership, Studio Bank has achieved significant milestones, including successful expansion into new markets and the launch of innovative banking products and services. Dorn has focused on building a strong team, fostering a culture of customer service, and implementing technology solutions to improve efficiency and enhance the customer experience. He has also overseen the bank's efforts to support the local community through charitable giving and volunteer initiatives.
STBK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Studio Bank may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as exchange-listed companies. This tier is often associated with higher risk and greater potential for price volatility compared to stocks listed on major exchanges like the NYSE or NASDAQ. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in STBK.
- Lower liquidity can lead to wider bid-ask spreads and increased price volatility.
- Potential for fraud or manipulation is higher on the OTC market.
- Lack of regulatory oversight can result in inadequate investor protection.
- OTC Other tier status indicates the company may not meet minimum financial standards.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Review the company's legal and regulatory compliance.
- Consult with a financial advisor to assess the risks and potential rewards.
- Understand the risks associated with investing in OTC stocks.
- The company has been in operation since 2017.
- Studio Bank is a member of the FDIC.
- The company has a physical presence in Nashville, Tennessee.
- The company has a functioning website and contact information.
- The company has a CEO with experience in the financial services industry.
Common Questions About STBK (Financial Services)
What does the AI Score mean for STBK?
STBK holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Studio Financial Holdings, Inc., operating as Studio Bank, provides commercial and personal banking services. Founded in 2017 and based in Nashville, Tennessee, the bank focuses on serving …
What does Studio Bank do?
Studio Bank operates as a community-focused financial institution providing commercial and personal banking services. The bank offers a range of products, including checking and savings accounts, commercial loans, mortgages, and specialized services for tech and startup companies. Studio Bank differentiates itself through its personalized service model, local market expertise, and commitment to serving the Nashville community.
What do analysts say about STBK stock?
As of March 16, 2026, there is no readily available analyst coverage for Studio Bank (STBK) due to its OTC listing. Investors should conduct their own independent research and consult with a financial advisor before making any investment decisions. Key valuation metrics to consider include the bank's P/E ratio, profit margin, and asset quality.
What are the main risks for STBK?
Studio Bank faces several risks, including competition from larger regional and national banks, economic downturns in the Nashville area, changes in interest rates and regulations, and disruption from fintech companies. The bank's smaller size and limited geographic reach make it more vulnerable to these risks. Additionally, its OTC Other tier status presents risks related to limited financial disclosure and liquidity. Investors should carefully consider these risks before investing in STBK.
What are the key factors to evaluate for STBK?
Studio Bank (STBK) holds an AI score of 48/100 (low). Studio Bank presents a focused investment opportunity within the regional banking sector. Not financial advice.
How frequently does STBK data refresh on this page?
STBK'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 STBK's recent stock price performance?
Studio Bank (STBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Nashville market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider STBK overvalued or undervalued right now?
Studio Bank (STBK) 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 STBK before investing?
Before investing in Studio Bank (STBK), 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).
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.
- Information is based on available data and may be subject to change.
- OTC market data may be limited or delayed.