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SB Financial Group, Inc. (SBFG)

NASDAQ: SBFG · USD

$30.2

-0.37 (-1.2%)· Recorded snapshot

Market cap	186.8M
Revenue (ttm)	68.8M
Net income (ttm)	16.6M
EPS (ttm)	$2.67
Shares out	6.2M
P/E (trailing)	11.3x
P/E (forward)	11.5x
Dividend	$0.64 (2.12%)
Volume	11,101
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.	35.9B	9.0x	1.9x	15.9%	+15.1%	+28.1%	Sterk kopen
AIG	American International Group Inc.	42.7B	13.0x	1.5x	7.9%	-10.3%	+5.5%	Sterk kopen
AIZ	Assurant, Inc.	15.3B	14.6x	1.1x	14.4%	+6.5%	+49.1%	Aanhouden

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	$141.5M
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	$186.8M
Market cap category	Micro-Cap
Next earnings date	2027-01-28
Options	No
Price	$30.15
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-11-04
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

$141.5M

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

$186.8M

Market cap category

Micro-Cap

Next earnings date

2027-01-28

Options

Price

$30.15

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-11-04

Symbol

SBFG

U.S. state

Ohio

Website

https://ir.yourstatebank.com

Metric	Value
Adjusted P/E ratio	11.42x
Average P/E ratio (10Y)	9.59x
Average P/E ratio (3Y)	9.84x
Average P/E ratio (5Y)	9.38x
Earnings yield	8.86%
EV/Earnings	8.57x
EV/FCF	6.18x
EV/Sales	2.07x
FCF / EV yield	16.17%
FCF yield	12.28%
Forward P/E	11.51x
Graham number	37.42297
Graham upside	23.47%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$13.36
Lynch upside	-55.93%
P/B ratio	1.31x
P/E ratio	11.28x
P/FCF ratio	8.15x
P/OCF ratio	7.57x
P/S ratio	2.73x
Price / tangible book value	1.6x
Sector forward P/E	13.72x
Sector P/E	15.79x

Metric

Value

Adjusted P/E ratio

11.42x

Average P/E ratio (10Y)

9.59x

Average P/E ratio (3Y)

9.84x

Average P/E ratio (5Y)

9.38x

Earnings yield

8.86%

EV/Earnings

8.57x

EV/FCF

6.18x

EV/Sales

2.07x

FCF / EV yield

16.17%

FCF yield

12.28%

Forward P/E

11.51x

Graham number

37.42297

Graham upside

23.47%

Industry forward P/E

9.87x

Industry P/E

11.69x

Lynch fair value

$13.36

Lynch upside

-55.93%

P/B ratio

1.31x

P/E ratio

11.28x

P/FCF ratio

8.15x

P/OCF ratio

7.57x

P/S ratio

2.73x

Price / tangible book value

1.6x

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	24.11%
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	4.01%

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

24.11%

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

4.01%

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	2.12%
Ex-dividend date	2026-11-13
FCF payout ratio	17.2%
Last dividend	$0.17
Payout ratio	23.95%
Shareholder yield	5.68%

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

2.12%

Ex-dividend date

2026-11-13

FCF payout ratio

17.2%

Last dividend

$0.17

Payout ratio

23.95%

Shareholder yield

5.68%

Metric	Value
10Y price change	155.02%
10Y return CAGR	12.68%
10Y total return	230.02%
150-day SMA	$25.79
15Y price change	980.43%
15Y return CAGR	19.77%
15Y total return	1,397.83%
1D price change	-1.21%
1M price change	3.27%
1M total return	3.27%
1W price change	-1.52%
1W total return	-1.52%
1Y price change	62.18%
1Y return CAGR	66.82%
1Y total return	66.76%
20-day SMA	$30.08
200-day SMA	$24.63
20Y price change	192.46%
20Y return CAGR	7.81%
20Y total return	349.53%
3M price change	13.92%
3M total return	14.59%
3Y price change	117.63%
3Y return CAGR	33.72%
3Y total return	139.17%
50-day SMA	$29.52
50-day SMA vs 200-day SMA	50over200
52-week high	$32.93
52-week high date	2026-09-28
52-week low	$19.36
52-week low date	2025-11-04
5Y price change	67.96%
5Y return CAGR	14.42%
5Y total return	96.11%
6M price change	39.97%
6M total return	41.83%
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)	$1.06
Average volume	14K
Beta (1Y)	0.11
Beta (2Y)	0.33
Beta (5Y)	0.18
Change from 52-week high	-8.44%
Change from 52-week low	55.73%
Change from all-time high	-7.8%
Change from all-time low	1,268.18%
Change from open	-2.21%
Day's gap	1.02%
Dollar volume	$334,695
High price	$31.27
Low price	$30.00
Monthly RSI	74.73
Open price	$30.83
Position in 52-week range	11.81%
Previous close	$30.52
Price vs 150-day SMA	17.71%
Price vs 20-day SMA	0.92%
Price vs 200-day SMA	23.28%
Price vs 50-day SMA	2.85%
Relative volume	0.79
RSI	53.75
Sharpe ratio	1.62
Sharpe ratio (3Y)	0.92
Sharpe ratio (5Y)	0.48
Sortino ratio	2.84
Sortino ratio (3Y)	1.59
Sortino ratio (5Y)	0.9
Volume	11.1K
Weekly RSI	67.94
YTD price change	36.33%
YTD total return	39.16%

Metric

Value

10Y price change

155.02%

10Y return CAGR

12.68%

10Y total return

230.02%

150-day SMA

$25.79

15Y price change

980.43%

15Y return CAGR

19.77%

15Y total return

1,397.83%

1D price change

-1.21%

1M price change

3.27%

1M total return

3.27%

1W price change

-1.52%

1W total return

-1.52%

1Y price change

62.18%

1Y return CAGR

66.82%

1Y total return

66.76%

20-day SMA

$30.08

200-day SMA

$24.63

20Y price change

192.46%

20Y return CAGR

7.81%

20Y total return

349.53%

3M price change

13.92%

3M total return

14.59%

3Y price change

117.63%

3Y return CAGR

33.72%

3Y total return

139.17%

50-day SMA

$29.52

50-day SMA vs 200-day SMA

50over200

52-week high

$32.93

52-week high date

2026-09-28

52-week low

$19.36

52-week low date

2025-11-04

5Y price change

67.96%

5Y return CAGR

14.42%

5Y total return

96.11%

6M price change

39.97%

6M total return

41.83%

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)

$1.06

Average volume

14K

Beta (1Y)

0.11

Beta (2Y)

0.33

Beta (5Y)

0.18

Change from 52-week high

-8.44%

Change from 52-week low

55.73%

Change from all-time high

-7.8%

Change from all-time low

1,268.18%

Change from open

-2.21%

Day's gap

1.02%

Dollar volume

$334,695

High price

$31.27

Low price

$30.00

Monthly RSI

74.73

Open price

$30.83

Position in 52-week range

11.81%

Previous close

$30.52

Price vs 150-day SMA

17.71%

Price vs 20-day SMA

0.92%

Price vs 200-day SMA

23.28%

Price vs 50-day SMA

2.85%

Relative volume

0.79

RSI

53.75

Sharpe ratio

1.62

Sharpe ratio (3Y)

0.92

Sharpe ratio (5Y)

0.48

Sortino ratio

2.84

Sortino ratio (3Y)

1.59

Sortino ratio (5Y)

0.9

Volume

11.1K

Weekly RSI

67.94

YTD price change

36.33%

YTD total return

39.16%

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