GS
The Goldman Sachs Group, Inc.
GS has the edge over SBFG overall, supported by stronger valuation and stronger modeled upside.
SBFG
SB Financial Group, Inc.
SBFG trails on the overall score without a compensating advantage in the available component scores.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
SBFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
SBFG's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SBFG.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
SBFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $19.93 | -32% |
| Fair | 9.2x | $24.55 | -16% |
| Expensive | 11x | $30.03 | +2.8% |
| Current | 11x | $29.21 | — |
| Forward | 11x | $29.21 | — |
Historical ranges are pointers, not guarantees.
SBFG has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over SBFG on the outlook, with more favorable earnings and profitability expectations.
SBFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect SBFG's revenue to grow, but its profitability to weaken.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over SBFG on earnings, with more consistent year-over-year improvement.
SBFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.62 | -1.5% |
| Q3 2026 | $2.66 | +25% |
| Q2 2026 | $2.67 | +46% |
| Q1 2026 | $2.55 | +50% |
| Q4 2025 | $2.19 | +27% |
| Q3 2025 | $2.12 | +22% |
| Q2 2025 | $1.83 | +2.8% |
| Q1 2025 | $1.70 | -2.9% |
| Q4 2024 | $1.72 | -1.7% |
SBFG earned $2.66 per share over the past year, up 25% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over SBFG on profitability, with a higher operating margin.
SBFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.1M | +9% |
| Q2 2026 | $17.9M | +4.5% |
| Q1 2026 | $17.4M | +13% |
| Q4 2025 | $16.4M | +6.3% |
| Q3 2025 | $16.6M | +16% |
| Q2 2025 | $17.2M | +22% |
| Q1 2025 | $15.4M | +17% |
| Q4 2024 | $15.5M | +2.2% |
SBFG's revenue has grown year over year for nine quarters in a row: $18M last quarter, up 9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | -3.4 points |
| Q2 2026 | 31% | +3.2 points |
| Q1 2026 | 30% | +14 points |
| Q4 2025 | 30% | +1.1 points |
| Q3 2025 | 30% | +8.2 points |
| Q2 2025 | 28% | +3.5 points |
| Q1 2025 | 17% | -4.9 points |
| Q4 2024 | 29% | -2.6 points |
SBFG's operating margin was 27% last quarter, down 3.4 points from the same quarter a year ago.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
SBFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.5M | -31% |
| Q2 2026 | $6.5M | +$10.6M |
| Q1 2026 | -$3.2M | -156% |
| Q4 2025 | $7.6M | +33% |
| Q3 2025 | $12.2M | +279% |
| Q2 2025 | -$4.2M | -$3.3M |
| Q1 2025 | $5.8M | +3779% |
| Q4 2024 | $5.7M | -14% |
SBFG has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over SBFG on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
SBFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -2K shares |
| 1 year | -1.5% | -93K shares |
| 3 years | -9.6% | -660K shares |
| 5 years | -19% | -1.5M shares |
| Available history | -24% | -1.9M shares |
SBFG has 6M diluted shares, down 1.5% from a year ago, with $2M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $194,000 |
| Q2 2026 | $626,000 |
| Q1 2026 | $676,000 |
| Q4 2025 | $649,000 |
| Q3 2025 | $2M |
| Q2 2025 | $2.3M |
| Q1 2025 | $712,000 |
| Q4 2024 | $2.7M |
SBFG spent $2M buying back its own shares over the past year, down 72% from the year before.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over SBFG on leverage, with a lower net debt burden relative to earnings.
SBFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 11.1x | High |
| Q1 2026 | 12.3x | High |
| Q4 2025 | 27.7x | High |
| Q3 2025 | 15.5x | High |
| Q2 2025 | 18.2x | High |
| Q1 2025 | 18.0x | High |
| Q4 2024 | 0.3x | Very low |
SBFG's net debt is about 13 years of its operating earnings (EBITDA), down from 15 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SBFG.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
SBFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.5 | Neutral |
| Stochastic | 60.0 | Neutral |
SBFG's weekly RSI is 60 (neutral) and its Stochastic is 60 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
SBFG PE vs Financial Services Sector
| Metric | SBFG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 16% below |
| PE % | 79 | 63 | 16 pts above |
SBFG has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
SBFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 1.3% below |
| 20 week MA | $28.2 | 3.5% above |
| 50 week MA | $24.4 | 20% above |
| 100 week MA | $22.3 | 31% above |
| 200 week MA | $18.7 | 56% above |
SBFG has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
SBFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.7 | $17.1 | -8.4% |
| 2021 | $17.1 | $18.1 | +5.6% |
| 2022 | $18.1 | $16.5 | -8.6% |
| 2023 | $16.5 | $15.4 | -7% |
| 2024 | $15.4 | $21.5 | +40% |
| 2025 | $21.5 | $21.9 | +1.9% |
| 2026 YTD | $21.9 | $29.2 | +33% |
SBFG has the edge over GS on returns for 2026, with the stronger performance.