SB Financial Group, Inc. SBFG R2K
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
Net profit has compounded at 25.2% per year over the last five years.
Trades at a P/E of 10.4, below the sector median of 13.3.
Maintains a net profit margin of 24.3%.
Offers a dividend yield of 2.75%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +11.8%, earnings +108.5%.
- 5-Year Trend Long-term compounding — profit CAGR 25.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 11.80% |
Compounded Profit Growth
| 5 Years: | 25.22% |
| 1 Year: | 108.50% |
Stock Price Performance
| 1 Year: | +41.69% |
| 6 Months: | +27.65% |
| 3 Months: | +18.75% |
| 1 Month: | +15.71% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)69.05 · Neutral
P/E of 10.37 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 24.3%.
- Profit CAGR of 25.2% over 5 years.
- Attractive dividend yield of 2.75%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SBFG SB Financial Group, Inc. R2K | 26.44 | 10.37 | $165.91M | 2.75% | - | 11.71% | - | 25.22% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 1.22M | 980.00K | 1.25M | 1.51M | 1.50M | 1.99M | 2.26M | 1.66M | 2.27M | 2.55M | 2.32M | 1.99M | 2.32M | 2.72M | 4.03M | 2.45M | 3.11M | 3.12M | 2.23M | 2.63M | 3.76M | 681.00K | 3.65M | 5.25M | 7.08M | 3.76M | 4.10M | 2.81M | 2.83M | 3.34M | 2.45M | 3.08M | 2.69M | 2.37M | 3.11M | 2.35M | 2.16M | 3.85M | 4.05M | 4.30M |
| Diluted EPS | 0.25 | 0.20 | 0.25 | 0.31 | 0.23 | 0.31 | 0.35 | 0.26 | 0.35 | 0.40 | 0.37 | 0.31 | 0.37 | 0.43 | 0.64 | 0.35 | 0.40 | 0.39 | 0.28 | 0.33 | 0.48 | 0.09 | 0.47 | 0.69 | 0.97 | 0.52 | 0.58 | 0.40 | 0.40 | 0.47 | 0.35 | 0.44 | 0.39 | 0.35 | 0.47 | 0.35 | 0.33 | 0.60 | 0.64 | 0.69 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 382.49K | -15.61M | 1.66M | 4.81M | 5.21M | 5.26M | 7.62M | 8.78M | 11.06M | 11.64M | 11.97M | 14.94M | 18.28M | 12.52M | 12.10M | 11.47M | 13.97M |
| Diluted EPS | 0.07 | -3.21 | 0.34 | 0.99 | 1.07 | 1.07 | 1.19 | 1.38 | 1.74 | 1.51 | 1.51 | 1.96 | 2.56 | 1.77 | 1.75 | 1.72 | 2.19 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 660.29M | 628.66M | 638.23M | 631.75M | 684.23M | 733.07M | 816.00M | 876.63M | 986.83M | 1.04B | 1.26B | 1.33B | 1.34B | 1.34B | 1.38B | 1.55B |
| Total Equity | 61.66M | 61.71M | 46.02M | 47.93M | 53.28M | 56.27M | 75.68M | 81.24M | 86.55M | 94.00M | 130.44M | 136.09M | 142.92M | 144.93M | 118.43M | 124.34M | 127.51M | 141.24M |
| Cash & Equivalents | 28.06M | 24.82M | 30.42M | 14.85M | 19.14M | 13.14M | 28.20M | 20.46M | 17.01M | 26.62M | 48.36M | 27.06M | 140.69M | 149.51M | - | - | - | - |
| Long Term Debt | - | - | - | 2.79M | 1.70M | 589.00K | - | - | - | - | - | - | - | 19.55M | 19.59M | 19.64M | 19.69M | - |
| Total Liabilities | - | - | 614.26M | 580.73M | 584.95M | 575.49M | 608.54M | 651.83M | 729.46M | 782.63M | 856.39M | 902.48M | 1.11B | 1.19B | 1.22B | 1.22B | 1.25B | 1.40B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -7.18M | 16.86M | 14.91M | 7.42M | 13.95M | 5.01M | 8.62M | 14.03M | 9.80M | 13.85M | 18.83M | 23.91M | 17.26M | 25.57M | 13.99M | 9.45M | 24.04M |
| Investing Cash Flow | -9.55M | -18.13M | 3.97M | -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 | 13.50M | 6.86M | -34.45M | 6.93M | -11.04M | 46.70M | 38.34M | 73.25M | 49.33M | 95.48M | 27.49M | 146.94M | 63.55M | 18.41M | -1.45M | 22.46M | 89.66M |
| Share Buybacks | 156.29K | 0 | 0 | - | - | - | 2.00K | 1.17M | 1.78M | 109.00K | 5.05M | 7.17M | 9.52M | 5.90M | 3.47M | 4.77M | 5.69M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Manufacturers Life Insurance Co. | 7.50% | 470.50K | $12.11M |
| 2 | Blackrock Inc. | 6.29% | 394.86K | $10.16M |
| 3 | Cutler Capital Management, LLC | 6.22% | 390.14K | $10.04M |
| 4 | Vanguard Capital Management LLC | 4.74% | 297.73K | $7.66M |
| 5 | Strategic Value Bank Partners LLC | 4.37% | 274.16K | $7.05M |
| 6 | Dimensional Fund Advisors LP | 3.15% | 197.77K | $5.09M |
| 7 | Petiole USA Ltd | 2.69% | 168.82K | $4.34M |
| 8 | Pinnacle Holdings, LLC | 2.50% | 156.91K | $4.04M |
| 9 | Geode Capital Management, LLC | 2.22% | 139.08K | $3.58M |
| 10 | Goldman Sachs Group Inc | 1.36% | 85.55K | $2.20M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SBFG
SB Financial Group, Inc. (SBFG) Could Be a Great Choice - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMilwFBVV95cUxQZHJPYlJjdTQ0T0xvS2ZVaXdab3pRWEVaWFE5eTd1R0sxZy1ZX0NhRlpkMW1SS2lldU9JSmNUVTNZZE1lTTVkWUtJTnJ2b2RPbEhpazlmenRLd1B5aW0yODYzMkpITVF3ZUg1ZkRBa0hlV0pYZlZXNVc4c1V2VV9DS2dVb0pXMUVuY3JPMT…
(SBFG) Movement Within Algorithmic Entry Frameworks - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMiyAFBVV95cUxPbnUweWtGU1VWN242S3M3Q0ktbXlZU2dRUXk5emZLdTA4Q0R0b0pMUUZhdjRBVnhoX2w5VEJmMjlWVndyeENPd0xHb0VBOGc1S0FlazR3ZzNWUDcxaDJodkV2bFpDWkZNTF92UEs1ZE8ySTI3UG9HS0xWdlhUM0NnZDJZdk92T1k5NjIyYl…
SB Financial Group sets July 24 call after Q2 2026 results - Stock Titan
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Should Value Investors Buy SB Financial Group (SBFG) Stock? - Yahoo Finance
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Price to book forward of SB Financial Group, Inc. – NASDAQ:SBFG - TradingView
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SB Financial Group, Inc.(NasdaqCM: SBFG) dropped from Russell 2500 Value Benchmark - marketscreener.com
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SBFG — Frequently Asked Questions
What is the current share price of SB Financial Group, Inc. (SBFG)?
As of 2026-07-14 21:23 PDT, SB Financial Group, Inc. (SBFG) trades at $26.44 on NasdaqCM. Its 52-week range is $17.82 to $26.56.
What is the market capitalisation of SBFG?
SB Financial Group, Inc. (SBFG) has a market capitalisation of $165.91M on NasdaqCM.
What is the P/E ratio of SBFG?
SBFG trades at a trailing price-to-earnings (P/E) ratio of 10.37. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.02.
Does SBFG pay a dividend?
SB Financial Group, Inc. (SBFG) currently offers a dividend yield of 2.75%.
What is the return on equity (ROE) of SBFG?
SBFG has a return on equity (ROE) of 11.71%.
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.