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SB Financial Group, Inc. (SBFG)

NASDAQ: SBFG · USD

$30.5

-0.91 (-2.9%)· Recorded snapshot

Market cap	189.1M
Revenue (ttm)	68.8M
Net income (ttm)	16.6M
EPS (ttm)	$2.67
Shares out	6.2M
P/E (trailing)	11.4x
P/E (forward)	11.6x
Dividend	$0.64 (2.10%)
Volume	21,213.88
Beta	0.18

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	خرید قوی
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	خرید قوی
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	نگه‌داری

Metric	Value
Amount currency	USD
CIK code	0000767405
Company name	SB Financial Group, Inc.
Country	United States
Country code	US
CUSIP number	78408D105
Earnings date	2026-10-22
Earnings time	bmo
Employees	266
Employees change	12
Employees growth	4.72%
Enterprise value	$143.8M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1983
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US78408D1054
Last 10-K release date	2026-03-06
Last earnings date	2026-10-22
Last refreshed	2026-11-04
Last stock split date	2022-01-20
Last stock split type	Forward
Market cap	$189.1M
Market cap category	Micro-Cap
Next earnings date	2027-01-28
Options	No
Price	$30.52
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-11-03
Symbol	SBFG
U.S. state	Ohio
Website	https://ir.yourstatebank.com

Metric

Value

Amount currency

USD

CIK code

0000767405

Company name

SB Financial Group, Inc.

Country

United States

Country code

CUSIP number

78408D105

Earnings date

2026-10-22

Earnings time

bmo

Employees

266

Employees change

Employees growth

4.72%

Enterprise value

$143.8M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-09

Fiscal year end

December

Founded

1983

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US78408D1054

Last 10-K release date

2026-03-06

Last earnings date

2026-10-22

Last refreshed

2026-11-04

Last stock split date

2022-01-20

Last stock split type

Forward

Market cap

$189.1M

Market cap category

Micro-Cap

Next earnings date

2027-01-28

Options

Price

$30.52

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-11-03

Symbol

SBFG

U.S. state

Ohio

Website

https://ir.yourstatebank.com

Metric	Value
Adjusted P/E ratio	11.56x
Average P/E ratio (10Y)	9.59x
Average P/E ratio (3Y)	9.84x
Average P/E ratio (5Y)	9.38x
Earnings yield	8.75%
EV/Earnings	8.65x
EV/FCF	6.24x
EV/Sales	2.09x
FCF / EV yield	16.03%
FCF yield	12.19%
Forward P/E	11.65x
Graham number	37.42297
Graham upside	22.62%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$13.36
Lynch upside	-56.23%
P/B ratio	1.31x
P/E ratio	11.42x
P/FCF ratio	8.2x
P/OCF ratio	7.63x
P/S ratio	2.75x
Price / tangible book value	1.61x
Sector forward P/E	13.72x
Sector P/E	15.79x

Metric

Value

Adjusted P/E ratio

11.56x

Average P/E ratio (10Y)

9.59x

Average P/E ratio (3Y)

9.84x

Average P/E ratio (5Y)

9.38x

Earnings yield

8.75%

EV/Earnings

8.65x

EV/FCF

6.24x

EV/Sales

2.09x

FCF / EV yield

16.03%

FCF yield

12.19%

Forward P/E

11.65x

Graham number

37.42297

Graham upside

22.62%

Industry forward P/E

9.87x

Industry P/E

11.69x

Lynch fair value

$13.36

Lynch upside

-56.23%

P/B ratio

1.31x

P/E ratio

11.42x

P/FCF ratio

8.2x

P/OCF ratio

7.63x

P/S ratio

2.75x

Price / tangible book value

1.61x

Sector forward P/E

13.72x

Sector P/E

15.79x

Metric	Value
Effective tax rate	18.98%
FCF margin	34.11%
Operating margin	29.54%
Pretax margin	29.89%
Profit margin	24.22%
Profit per employee	$62,523
Profitable quarters	62
Profitable years	15
Revenue per employee	$258,579
ROA	1.07%
ROA (5Y)	1.01%
ROE	11.84%
ROE (5Y)	10.34%
Tax / revenue	5.67%

Metric

Value

Effective tax rate

18.98%

FCF margin

34.11%

Operating margin

29.54%

Pretax margin

29.89%

Profit margin

24.22%

Profit per employee

$62,523

Profitable quarters

Profitable years

Revenue per employee

$258,579

ROA

1.07%

ROA (5Y)

1.01%

ROE

11.84%

ROE (5Y)

10.34%

Tax / revenue

5.67%

Metric	Value
EPS growth	26.07%
EPS growth (Q)	-1.56%
EPS growth (QoQ)	-12.5%
EPS growth 10Y	7.98%
EPS growth 3Y	16.69%
EPS growth 5Y	0.05%
EPS growth quarters	5
EPS growth years	1
FCF growth	118.87%
FCF growth 3Y	5.56%
FCF growth 5Y	-0.04%
Net income growth	21.66%
Net income growth (Q)	-2.47%
Net income growth (QoQ)	-12.25%
Net income growth 3Y	12.39%
Net income growth 5Y	-3.89%
Net income growth quarters	5
Net income growth years	1
OCF growth	95.96%
OCF growth 10Y	7.04%
OCF growth 3Y	5.76%
OCF growth 5Y	-1.15%
Revenue growth	8.48%
Revenue growth (Q)	6.86%
Revenue growth (QoQ)	1.18%
Revenue growth 10Y	4.98%
Revenue growth 3Y	7.06%
Revenue growth 5Y	0.53%
Revenue growth quarters	8
Revenue growth years	2

Metric

Value

EPS growth

26.07%

EPS growth (Q)

-1.56%

EPS growth (QoQ)

-12.5%

EPS growth 10Y

7.98%

EPS growth 3Y

16.69%

EPS growth 5Y

0.05%

EPS growth quarters

EPS growth years

FCF growth

118.87%

FCF growth 3Y

5.56%

FCF growth 5Y

-0.04%

Net income growth

21.66%

Net income growth (Q)

-2.47%

Net income growth (QoQ)

-12.25%

Net income growth 3Y

12.39%

Net income growth 5Y

-3.89%

Net income growth quarters

Net income growth years

OCF growth

95.96%

OCF growth 10Y

7.04%

OCF growth 3Y

5.76%

OCF growth 5Y

-1.15%

Revenue growth

8.48%

Revenue growth (Q)

6.86%

Revenue growth (QoQ)

1.18%

Revenue growth 10Y

4.98%

Revenue growth 3Y

7.06%

Revenue growth 5Y

0.53%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-1.7M
EPS	$2.67
FCF per share	$3.72
Financing cash flow	$112.1M
Free cash flow	$23.1M
Gross profit	$68.8M
Income taxes	$3.9M
Investing cash flow	$-78.2M
Net borrowing	$-21.4M
Net cash flow	$58.7M
Net income	$16.6M
Operating income	$20.3M
Revenue	$68.8M

Metric

Value

Capital expenditures

$-1.7M

EPS

$2.67

FCF per share

$3.72

Financing cash flow

$112.1M

Free cash flow

$23.1M

Gross profit

$68.8M

Income taxes

$3.9M

Investing cash flow

$-78.2M

Net borrowing

$-21.4M

Net cash flow

$58.7M

Net income

$16.6M

Operating income

$20.3M

Revenue

$68.8M

Metric	Value
Book value per share	$23.30
Debt / equity	0.41
Debt / FCF	2.55
Goodwill	$27.2M
Net cash (debt)	$45.3M
Net cash / market cap	23.94%
Net cash growth	310.15%
Net debt / equity	-0.31
Net debt / FCF	-1.96
Piotroski F-Score	4
Property, plant and equipment	$20.8M
Shareholders' equity	$144.3M
Tangible book value	$117.2M
Tangible book value per share	$18.91
Total assets	$1.6B
Total cash	$104.1M
Total debt	$58.9M
Total liabilities	$1.5B
WACC	4.02%

Metric

Value

Book value per share

$23.30

Debt / equity

0.41

Debt / FCF

2.55

Goodwill

$27.2M

Net cash (debt)

$45.3M

Net cash / market cap

23.94%

Net cash growth

310.15%

Net debt / equity

-0.31

Net debt / FCF

-1.96

Piotroski F-Score

Property, plant and equipment

$20.8M

Shareholders' equity

$144.3M

Tangible book value

$117.2M

Tangible book value per share

$18.91

Total assets

$1.6B

Total cash

$104.1M

Total debt

$58.9M

Total liabilities

$1.5B

WACC

4.02%

Metric	Value
Working capital	$-1.3B

Metric

Value

Working capital

$-1.3B

Metric	Value
Buyback yield / dilution	3.57%
Dividend growth	6.67%
Dividend growth (10Y)	10.85%
Dividend growth (3Y)	7.17%
Dividend growth (5Y)	8.84%
Dividend growth years	12
Dividend payment date	2026-11-27
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$0.64
Dividend yield	2.1%
Ex-dividend date	2026-11-13
FCF payout ratio	17.2%
Last dividend	$0.17
Payout ratio	23.95%
Shareholder yield	5.67%

Metric

Value

Buyback yield / dilution

3.57%

Dividend growth

6.67%

Dividend growth (10Y)

10.85%

Dividend growth (3Y)

7.17%

Dividend growth (5Y)

8.84%

Dividend growth years

Dividend payment date

2026-11-27

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.64

Dividend yield

2.1%

Ex-dividend date

2026-11-13

FCF payout ratio

17.2%

Last dividend

$0.17

Payout ratio

23.95%

Shareholder yield

5.67%

Metric	Value
10Y price change	156.36%
10Y return CAGR	12.74%
10Y total return	231.76%
150-day SMA	$25.73
15Y price change	958.25%
15Y return CAGR	19.61%
15Y total return	1,366.99%
1D price change	-2.9%
1M price change	3.81%
1M total return	3.81%
1W price change	-0.26%
1W total return	-0.26%
1Y price change	56.03%
1Y return CAGR	60.49%
1Y total return	60.44%
20-day SMA	$30.02
200-day SMA	$24.58
20Y price change	184.86%
20Y return CAGR	7.66%
20Y total return	337.84%
3M price change	16.13%
3M total return	16.82%
3Y price change	130.17%
3Y return CAGR	36.24%
3Y total return	152.94%
50-day SMA	$29.45
50-day SMA vs 200-day SMA	50over200
52-week high	$32.93
52-week high date	2026-09-28
52-week low	$18.72
52-week low date	2025-11-03
5Y price change	66.21%
5Y return CAGR	14.18%
5Y total return	94.07%
6M price change	40.71%
6M total return	42.58%
After-hours change	0.59%
After-hours close	$30.52
After-hours price	$30.70
All-time high	$32.93
All-time high date	2026-09-28
All-time low	$2.22
All-time low date	2010-11-12
Average true range (ATR)	$1.07
Average volume	14K
Beta (1Y)	0.11
Beta (2Y)	0.33
Beta (5Y)	0.18
Change from 52-week high	-7.32%
Change from 52-week low	63.03%
Change from all-time high	-7.32%
Change from all-time low	1,275.39%
Change from open	-2.34%
Day's gap	-0.57%
Dollar volume	$647,448
High price	$31.39
Low price	$30.52
Monthly RSI	75.46
Open price	$31.25
Position in 52-week range	0%
Previous close	$31.43
Price vs 150-day SMA	18.63%
Price vs 20-day SMA	1.68%
Price vs 200-day SMA	24.16%
Price vs 50-day SMA	3.62%
Relative volume	1.51
RSI	55.67
Sharpe ratio	1.49
Sharpe ratio (3Y)	0.91
Sharpe ratio (5Y)	0.48
Sortino ratio	2.59
Sortino ratio (3Y)	1.58
Sortino ratio (5Y)	0.9
Volume	21.2K
Weekly RSI	69.07
YTD price change	37.05%
YTD total return	39.9%

Metric

Value

10Y price change

156.36%

10Y return CAGR

12.74%

10Y total return

231.76%

150-day SMA

$25.73

15Y price change

958.25%

15Y return CAGR

19.61%

15Y total return

1,366.99%

1D price change

-2.9%

1M price change

3.81%

1M total return

3.81%

1W price change

-0.26%

1W total return

-0.26%

1Y price change

56.03%

1Y return CAGR

60.49%

1Y total return

60.44%

20-day SMA

$30.02

200-day SMA

$24.58

20Y price change

184.86%

20Y return CAGR

7.66%

20Y total return

337.84%

3M price change

16.13%

3M total return

16.82%

3Y price change

130.17%

3Y return CAGR

36.24%

3Y total return

152.94%

50-day SMA

$29.45

50-day SMA vs 200-day SMA

50over200

52-week high

$32.93

52-week high date

2026-09-28

52-week low

$18.72

52-week low date

2025-11-03

5Y price change

66.21%

5Y return CAGR

14.18%

5Y total return

94.07%

6M price change

40.71%

6M total return

42.58%

After-hours change

0.59%

After-hours close

$30.52

After-hours price

$30.70

All-time high

$32.93

All-time high date

2026-09-28

All-time low

$2.22

All-time low date

2010-11-12

Average true range (ATR)

$1.07

Average volume

14K

Beta (1Y)

0.11

Beta (2Y)

0.33

Beta (5Y)

0.18

Change from 52-week high

-7.32%

Change from 52-week low

63.03%

Change from all-time high

-7.32%

Change from all-time low

1,275.39%

Change from open

-2.34%

Day's gap

-0.57%

Dollar volume

$647,448

High price

$31.39

Low price

$30.52

Monthly RSI

75.46

Open price

$31.25

Position in 52-week range

Previous close

$31.43

Price vs 150-day SMA

18.63%

Price vs 20-day SMA

1.68%

Price vs 200-day SMA

24.16%

Price vs 50-day SMA

3.62%

Relative volume

1.51

RSI

55.67

Sharpe ratio

1.49

Sharpe ratio (3Y)

0.91

Sharpe ratio (5Y)

0.48

Sortino ratio

2.59

Sortino ratio (3Y)

1.58

Sortino ratio (5Y)

0.9

Volume

21.2K

Weekly RSI

69.07

YTD price change

37.05%

YTD total return

39.9%

Metric	Value
Float	5.4M
Float percentage	87.42%
Shares change (QoQ)	-0.03%
Shares change (YoY)	-3.57%
Shares held by insiders	6.32%
Shares held by institutions	46.4%
Shares outstanding	6.2M
Short % of float	0.36%
Short % of shares	0.32%
Short ratio	1.3 days

Metric

Value

Float

5.4M

Float percentage

87.42%

Shares change (QoQ)

-0.03%

Shares change (YoY)

-3.57%

Shares held by insiders

6.32%

Shares held by institutions

46.4%

Shares outstanding

6.2M

Short % of float

0.36%

Short % of shares

0.32%

Short ratio

1.3 days

SB Financial Group, Inc. (SBFG)

Price

Financial snapshot

Fair-value bridge

Latest news · SBFG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SBFG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SBFG

Frequently asked questions