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SB Financial Group, Inc. SBFG R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://ir.yourstatebank.com
Company Profile ↓
$29.99
+42.74% 1Y
Mkt Cap$187.53M
P/E11.23
P/B1.14
Div. Yield2.37%
52W High$29.99
52W Low$17.72
Book Value$23.70
EPS (TTM)$2.67

Company Overview

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 25.2% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.2, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 24.8%.

Dividend Income

Offers a dividend yield of 2.37%.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +7.8%, earnings +21.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 25.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:7.80%

Compounded Profit Growth

5 Years:25.22%
1 Year:21.00%

Stock Price Performance

1 Year:+42.74%
6 Months:+49.18%
3 Months:+35.76%
1 Month:+11.48%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$17.72 $29.99
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)72.64 · Overbought
Price Performance
1M+11.48%
3M+35.76%
6M+49.18%
1Y+42.74%
Valuation vs Sector

P/E of 11.23 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.8%.
  • Profit CAGR of 25.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.23
Industry PE
14.52
Forward P/E
11.53
PEG Ratio
-
Book Value
$23.70
Price to Book
1.14
P/S
2.50
EV/EBITDA
-
Dividend Yield
2.37%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
25.22%
Revenue (YoY)
7.80%
Earnings (YoY)
21.00%

Profitability & Returns

ROCE
-
ROE
11.95%
ROA
1.08%
Profit Margin
24.79%
Op Margin
31.41%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.72
EPS (TTM)
$2.67

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$59.30M
Total Assets
$1.62B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.46%
Chg in Prom Hold
0.01%
FII / Inst Holding
51.92%
Chg in FII Hold
-0.12%

Financial Snapshot

Enterprise Value
$187.53M
Total Revenue (TTM)
$67.59M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$24.04M
Shares Outstanding
6.25M
Gross Margin
0.00%
Payout Ratio
23.22%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SBFG SB Financial Group, Inc. R2KFINANCIAL 29.99 11.23 $187.53M 2.37% - 11.95% - 25.22%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 980.00K1.25M1.51M1.50M1.99M2.26M1.66M2.27M2.55M2.32M1.99M2.32M2.72M4.03M2.45M3.11M3.12M2.23M2.63M3.76M681.00K3.65M5.25M7.08M3.76M4.10M2.81M2.83M3.34M2.45M3.08M2.69M2.37M3.11M2.35M2.16M3.85M4.05M4.30M4.50M
Diluted EPS 0.200.250.310.230.310.350.260.350.400.370.310.370.430.640.350.400.390.280.330.480.090.470.690.970.520.580.400.400.470.350.440.390.350.470.350.330.600.640.690.72

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 382.49K-15.61M1.66M4.81M5.21M5.26M7.62M8.78M11.06M11.64M11.97M14.94M18.28M12.52M12.10M11.47M13.97M
Diluted EPS 0.07-3.210.340.991.071.071.191.381.741.511.511.962.561.771.751.722.19

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --660.29M628.66M638.23M631.75M684.23M733.07M816.00M876.63M986.83M1.04B1.26B1.33B1.34B1.34B1.38B1.55B
Total Equity 61.66M61.71M46.02M47.93M53.28M56.27M75.68M81.24M86.55M94.00M130.44M136.09M142.92M144.93M118.43M124.34M127.51M141.24M
Cash & Equivalents 28.06M24.82M30.42M14.85M19.14M13.14M28.20M20.46M17.01M26.62M48.36M27.06M140.69M149.51M----
Long Term Debt ---2.79M1.70M589.00K-------19.55M19.59M19.64M19.69M-
Total Liabilities --614.26M580.73M584.95M575.49M608.54M651.83M729.46M782.63M856.39M902.48M1.11B1.19B1.22B1.22B1.25B1.40B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -7.18M16.86M14.91M7.42M13.95M5.01M8.62M14.03M9.80M13.85M18.83M23.91M17.26M25.57M13.99M9.45M24.04M
Investing Cash Flow -9.55M-18.13M3.97M-10.05M-8.91M-36.65M-54.69M-90.73M-49.53M-87.59M-67.61M-57.22M-71.99M-165.67M-17.39M-28.95M-68.08M
Financing Cash Flow 13.50M6.86M-34.45M6.93M-11.04M46.70M38.34M73.25M49.33M95.48M27.49M146.94M63.55M18.41M-1.45M22.46M89.66M
Share Buybacks 156.29K00---2.00K1.17M1.78M109.00K5.05M7.17M9.52M5.90M3.47M4.77M5.69M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 0.6%-33.9%3.5%9.0%9.3%7.0%9.4%10.1%11.8%8.9%8.8%10.5%12.6%10.6%9.7%9.0%9.9%
ROCE % -----------------

Shareholding Pattern

Insiders
10.46%
Institutions
51.92%
Public Float
57.99%

Top Institutional Holders

#Holder% HeldSharesValue
1 Manufacturers Life Insurance Co. 7.48% 467.89K $12.94M
2 Cutler Capital Management, LLC 6.20% 387.85K $10.73M
3 Vanguard Capital Management LLC 4.06% 253.93K $7.02M
4 Strategic Value Bank Partners LLC 3.90% 243.63K $6.74M
5 Ameriprise Financial, Inc. 3.86% 241.46K $6.68M
6 Dimensional Fund Advisors LP 3.24% 202.63K $5.60M
7 Blackrock Inc. 2.54% 158.82K $4.39M
8 Pinnacle Holdings, LLC 2.50% 156.60K $4.33M
9 Truffle Hound Capital, LLC 1.45% 90.37K $2.50M
10 Bridgeway Capital Management, LLC 1.30% 81.51K $2.25M

Analyst View

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Latest News

Recent headlines for SBFG

Yahoo Finance Wed, 02 Sep 2026

Is SB Financial Group (SBFG) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to u…

Yahoo Finance Mon, 31 Aug 2026

SB Financial Group, Inc. (SBFG) Hits Fresh High: Is There Still Room to Run?

SB Financial Group (SBFG) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Yahoo Finance Mon, 17 Aug 2026

SB Financial Group (SBFG) Upgraded to Buy: Here's What You Should Know

SB Financial Group (SBFG) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Yahoo Finance Mon, 17 Aug 2026

Should Value Investors Buy SB Financial Group (SBFG) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to u…

Yahoo Finance Fri, 14 Aug 2026

Why SB Financial Group, Inc. (SBFG) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does SB Financial Group (SBFG) have what it takes? Let's find out.

Yahoo Finance Fri, 24 Jul 2026

SB Financial Group Inc (SBFG) Q2 2026 Earnings Call Highlights: Strong Profitability Amid ...

SB Financial Group Inc (SBFG) reports robust net income growth and consistent operational profitability, despite facing pressures in mortgage originations and interest margins.

SBFG — Frequently Asked Questions

What is the current share price of SB Financial Group, Inc. (SBFG)?

As of 2026-09-07 16:24 PDT, SB Financial Group, Inc. (SBFG) trades at $29.99 on NasdaqCM. Its 52-week range is $17.72 to $29.99.

What is the market capitalisation of SBFG?

SB Financial Group, Inc. (SBFG) has a market capitalisation of $187.53M on NasdaqCM.

What is the P/E ratio of SBFG?

SBFG trades at a trailing price-to-earnings (P/E) ratio of 11.23. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.14.

Does SBFG pay a dividend?

SB Financial Group, Inc. (SBFG) currently offers a dividend yield of 2.37%.

What is the return on equity (ROE) of SBFG?

SBFG has a return on equity (ROE) of 11.95%.

Is SBFG a good stock to buy?

This page provides a data-driven analysis of SB Financial Group, Inc. (SBFG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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