SBT Earnings

SBT reported its earnings on 2025-01-30, showcasing a revenue of 13.59M against an estimate of , resulting in a 0% surprise. The EPS was 0.02, surpassing the expected 0 by 0% . The stock experienced a 0% price change on the earnings day and a -0.83% change over the next five days, reflecting market reactions to the results.

Following SBT's earnings announcement on 2025-01-30, the stock price moved by 0.00% on the day of the release. Over the subsequent five days, it saw a -0.83% change. Historically, SBT's stock price tends to shift by an average of -1.75% in the 10 days leading up to earnings and -1.47% in the 10 days following, providing insight into potential market.

For 2025/Q1, analysts estimate SBT’s annual revenue to reach 15.36M, while the EPS is projected at 0.03. These estimates reflect recent revisions, with revenue estimates revised Revenue No Change by % and EPS estimates No Change by % over the past three months, indicating analyst expectation in the company’s performance.

The correlation between SBT's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock’s fundamentals. Over the past three months, revenue estimates for were No Change by %, while EPS estimates moved No Change by % . This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, SBT's stock price typically moves by -1.75% in the 10 days before its earnings and -1.47% in the 10 days after. For the upcoming 2025/Q1 earnings, analysts expect an EPS of 0.03 and revenue of 15.36M.

The earnings call summary presents a mixed picture: cost reductions, closure of investigations, and a transition to core deposit funding are positive, but there are concerns about margins and market caution. The Q&A section highlighted ongoing legal costs and lack of clarity on loan roll-offs. Despite stable financial performance and mild credit conditions, the absence of a share repurchase program and cautious market strategy temper expectations. The potential for rate cuts could be positive, but uncertainties in commercial real estate and interest rate impacts balance the outlook, leading to a neutral stock price prediction.