SBFG
SB Financial Group, Inc.
Price Chart
Latest Quote
$23.01
+0.50 (+2.22%)
Current Price
| Previous Close | $22.51 |
| Open | $22.72 |
| Day High | $23.05 |
| Day Low | $22.07 |
| Volume | 22,549 |
Stock Information
| Quarterly Dividend / Yield | $0.64 / 2.80% |
| Shares Outstanding | 6.28M |
| Quarterly Dividend Yield | 2.80% |
| Quarterly Dividend | $0.64 |
| Total Debt | $68.86M |
| Cash Equivalents | $130.19M |
| Revenue | $66.31M |
| Net Income | $16.08M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $144.39M |
| P/E Ratio | 8.95 |
| EPS (TTM) | $2.57 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $83.07M |
| Sales | $66.31M |
| Income | $16.08M |
| Book/sh | $22.86 |
| Cash/sh | $20.75 |
| Employees | 258 |
Financial Ratios
| EPS Growth TTM | 99.10% |
Returns & Margins
| ROA | 1.04% |
| ROE | 11.71% |
| Operating Margin | 28.82% |
| Profit Margin | 24.30% |
Ownership
| Insider Ownership | 10.42% |
| Institutional Ownership | 54.77% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.92 |
| P/S | 2.18 |
| P/B | 1.01 |
Analyst Data
| Recommendation | none |
| Target Price | $25.00 |
Technical Indicators
| SMA20 | $22.20 |
| SMA50 | $21.96 |
| SMA200 | $20.96 |
| RSI | 64.24 |
| ATR | 0.7700 |
| Shares Float | 5.18M |
| Short Float | 2.35% |
| Short Ratio | 15.29 |
| Volatility | 0.21 |
| Rel Volume | 1.57 |
Performance History
| Week | +0.70% |
| Month | +6.63% |
| Quarter | +15.84% |
| 6 Months | -0.72% |
| YTD | +9.27% |
| Year | +37.80% |
| 3 Years | +96.24% |
| 5 Years | +45.67% |
| 10 Years | +190.12% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $23.01 | 29,400 |
| 2026-06-17 | $22.51 | 26,400 |
| 2026-06-16 | $22.33 | 28,400 |
| 2026-06-15 | $22.93 | 23,500 |
| 2026-06-12 | $23.31 | 32,800 |
| 2026-06-11 | $22.85 | 17,800 |
| 2026-06-10 | $22.67 | 15,500 |
| 2026-06-09 | $22.89 | 16,900 |
| 2026-06-08 | $22.24 | 17,400 |
| 2026-06-05 | $22.22 | 16,300 |
| 2026-06-04 | $22.10 | 16,100 |
| 2026-06-03 | $21.03 | 28,100 |
| 2026-06-02 | $21.15 | 13,400 |
| 2026-06-01 | $21.38 | 16,700 |
| 2026-05-29 | $21.60 | 21,300 |
| 2026-05-28 | $21.98 | 16,900 |
| 2026-05-27 | $22.21 | 10,700 |
| 2026-05-26 | $22.30 | 11,100 |
| 2026-05-22 | $21.82 | 6,200 |
| 2026-05-21 | $21.50 | 8,700 |
| 2026-05-20 | $21.77 | 5,700 |
| 2026-05-19 | $21.58 | 5,400 |
About SB Financial Group, Inc.
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.
đ° Latest News
Why SB Financial Group, Inc. (SBFG) is a Great Dividend Stock Right Now
Zacks âĸ 2026-06-10T15:45:02Z
Should Value Investors Buy SB Financial Group (SBFG) Stock?
Zacks âĸ 2026-06-09T13:40:02Z
SB Financial Group, Inc. (SBFG) Could Be a Great Choice
Zacks âĸ 2026-05-25T15:45:03Z
Are Investors Undervaluing SB Financial Group (SBFG) Right Now?
Zacks âĸ 2026-05-21T13:40:02Z
Here's What We Like About SB Financial Group's (NASDAQ:SBFG) Upcoming Dividend
Simply Wall St. âĸ 2026-05-11T11:32:17Z
Are You Looking for a High-Growth Dividend Stock?
Zacks âĸ 2026-05-08T15:45:03Z
Is SB Financial Group (SBFG) Stock Undervalued Right Now?
Zacks âĸ 2026-05-05T13:40:02Z
SB Financial Group Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-27T18:43:01Z
SB Financial Group AGM: Shareholders OK Directors, Auditor, Say-on-Pay as CEO Highlights 2025 Surge
MarketBeat âĸ 2026-04-26T00:03:59Z
SB Financial Group Inc (SBFG) Q1 2026 Earnings Call Highlights: Strong Start with Increased Net ...
GuruFocus.com âĸ 2026-04-25T07:05:05Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $65,560,000 | $56,939,000 | $56,994,000 | $57,630,000 |
| Operating Revenue | $65,560,000 | $56,939,000 | $56,994,000 | $57,630,000 |
| Expenses | ||||
| Interest Expense | $25,467,000 | $24,427,000 | $18,879,000 | $5,170,000 |
| Selling And Marketing Expense | $651,000 | $821,000 | $782,000 | $911,000 |
| General And Administrative Expense | $25,840,000 | $24,336,000 | $23,408,000 | $24,755,000 |
| Professional Expense And Contract Services Expense | $3,594,000 | $2,927,000 | $3,024,000 | $3,214,000 |
| Other Non Interest Expense | $9,070,000 | $7,658,000 | $7,574,000 | $6,825,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Interest Income | $48,453,000 | $39,922,000 | $39,273,000 | $39,399,000 |
| Interest Income | $73,920,000 | $64,349,000 | $58,152,000 | $44,569,000 |
| Normalized Income | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Income From Continuing And Discontinued Operation | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Income Common Stockholders | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Income | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Income Including Noncontrolling Interests | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Net Income Continuous Operations | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Pretax Income | $17,255,000 | $13,856,000 | $14,717,000 | $15,316,000 |
| Per Share | ||||
| Diluted EPS | $2.19 | $1.72 | $1.75 | $1.77 |
| Basic EPS | $2.19 | $1.72 | $1.77 | $1.79 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $4,224,000 | $3,552,000 | $3,567,000 | $4,014,000 |
| Diluted Average Shares | $6,388,000 | $6,680,000 | $6,917,000 | $7,078,000 |
| Basic Average Shares | $6,369,000 | $6,660,000 | $6,829,000 | $7,005,000 |
| Diluted NI Availto Com Stockholders | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Tax Provision | $3,281,000 | $2,386,000 | $2,622,000 | $2,795,000 |
| Selling General And Administration | $26,491,000 | $25,157,000 | $24,190,000 | $25,666,000 |
| Salaries And Wages | $25,840,000 | $24,336,000 | $23,408,000 | $24,755,000 |
| Occupancy And Equipment | $7,844,000 | $7,217,000 | $7,174,000 | $6,609,000 |
| Gain On Sale Of Security | - | $0 | $1,453,000 | $0 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $98,824,000 | $89,401,000 | $87,197,000 | $81,686,000 |
| Total Assets | $1,545,367,000 | $1,379,517,000 | $1,343,249,000 | $1,335,633,000 |
| Goodwill And Other Intangible Assets | $42,412,000 | $38,107,000 | $37,145,000 | $36,742,000 |
| Other Intangible Assets | $15,254,000 | $14,868,000 | $13,906,000 | $13,503,000 |
| Receivables | $5,490,000 | $4,908,000 | $4,657,000 | $4,091,000 |
| Accounts Receivable | $5,490,000 | $4,908,000 | $4,657,000 | $4,091,000 |
| Cash And Cash Equivalents | $72,683,000 | $27,493,000 | $24,500,000 | $29,948,000 |
| Cash Financial | $71,543,000 | $25,928,000 | $22,965,000 | $27,817,000 |
| Cash Cash Equivalents And Federal Funds Sold | $72,683,000 | $27,493,000 | $24,500,000 | $29,948,000 |
| Debt | ||||
| Total Debt | $54,739,000 | $54,690,000 | $103,242,000 | $79,594,000 |
| Long Term Debt And Capital Lease Obligation | $54,739,000 | $54,690,000 | $103,242,000 | $79,594,000 |
| Long Term Debt | $54,739,000 | $54,690,000 | $103,242,000 | $79,594,000 |
| Net Debt | - | $27,197,000 | $78,742,000 | $49,646,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,404,131,000 | $1,252,009,000 | $1,218,907,000 | $1,217,205,000 |
| Payables And Accrued Expenses | $2,460,000 | $2,351,000 | $2,443,000 | $769,000 |
| Payables | $2,460,000 | $2,351,000 | $2,443,000 | $769,000 |
| Accounts Payable | $2,460,000 | $2,351,000 | $2,443,000 | $769,000 |
| Equity | ||||
| Common Stock Equity | $141,236,000 | $127,508,000 | $124,342,000 | $118,428,000 |
| Total Equity Gross Minority Interest | $141,236,000 | $127,508,000 | $124,342,000 | $118,428,000 |
| Stockholders Equity | $141,236,000 | $127,508,000 | $124,342,000 | $118,428,000 |
| Gains Losses Not Affecting Retained Earnings | $-21,481,000 | $-30,234,000 | $-29,831,000 | $-32,120,000 |
| Retained Earnings | $126,311,000 | $116,186,000 | $108,486,000 | $101,966,000 |
| Preferred Securities Outside Stock Equity | $10,310,000 | $10,310,000 | $10,310,000 | $10,310,000 |
| Other | ||||
| Treasury Shares Number | $2,249,417 | $1,977,538 | $1,756,733 | $1,589,913 |
| Ordinary Shares Number | $6,275,958 | $6,493,526 | $6,719,676 | $6,935,462 |
| Share Issued | $8,525,375 | $8,471,064 | $8,476,409 | $8,525,375 |
| Tangible Book Value | $98,824,000 | $89,401,000 | $87,197,000 | $81,686,000 |
| Invested Capital | $195,975,000 | $182,198,000 | $227,584,000 | $198,022,000 |
| Total Capitalization | $195,975,000 | $182,198,000 | $227,584,000 | $198,022,000 |
| Treasury Stock | $40,073,000 | $34,957,000 | $30,756,000 | $27,824,000 |
| Additional Paid In Capital | $15,160,000 | $15,194,000 | $15,124,000 | $15,087,000 |
| Capital Stock | $61,319,000 | $61,319,000 | $61,319,000 | $61,319,000 |
| Common Stock | $61,319,000 | $61,319,000 | $61,319,000 | $61,319,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $73,526,000 | $86,087,000 | $219,708,000 | $238,780,000 |
| Goodwill | $27,158,000 | $23,239,000 | $23,239,000 | $23,239,000 |
| Net PPE | $21,688,000 | $20,456,000 | $21,378,000 | $22,829,000 |
| Accumulated Depreciation | $-30,206,000 | $-28,008,000 | $-25,857,000 | $-23,627,000 |
| Gross PPE | $51,894,000 | $48,464,000 | $47,235,000 | $46,456,000 |
| Construction In Progress | $36,000 | $201,000 | $167,000 | $879,000 |
| Other Properties | $18,862,000 | $16,902,000 | $15,842,000 | $14,315,000 |
| Buildings And Improvements | $29,114,000 | $27,798,000 | $27,663,000 | $27,699,000 |
| Land And Improvements | $3,882,000 | $3,563,000 | $3,563,000 | $3,563,000 |
| Other Short Term Investments | $73,526,000 | $86,087,000 | $219,708,000 | $238,780,000 |
| Available For Sale Securities | - | $29,827,000 | - | - |
| Machinery Furniture Equipment | - | - | - | $14,315,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $21,437,000 | $8,222,000 | $13,031,000 | $23,673,000 |
| Operating Activities | ||||
| Operating Cash Flow | $24,039,000 | $9,451,000 | $13,989,000 | $25,569,000 |
| Cash Flow From Continuing Operating Activities | $24,039,000 | $9,451,000 | $13,989,000 | $25,569,000 |
| Operating Gains Losses | $-5,158,000 | $-4,710,000 | $-5,491,000 | $-4,864,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,602,000 | $-1,229,000 | $-958,000 | $-1,896,000 |
| Investing Cash Flow | $-68,085,000 | $-28,948,000 | $-17,390,000 | $-165,671,000 |
| Cash Flow From Continuing Investing Activities | $-68,085,000 | $-28,948,000 | $-17,390,000 | $-165,671,000 |
| Net Other Investing Changes | $-979,000 | $1,967,000 | $261,000 | $-9,877,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-5,686,000 | $-4,768,000 | $-3,471,000 | $-5,900,000 |
| Financing Cash Flow | $89,661,000 | $22,460,000 | $-1,451,000 | $18,408,000 |
| Cash Flow From Continuing Financing Activities | $89,661,000 | $22,460,000 | $-1,451,000 | $18,408,000 |
| Cash Dividends Paid | $-3,849,000 | $-3,770,000 | $-3,584,000 | $-3,415,000 |
| Common Stock Dividend Paid | $-3,849,000 | $-3,770,000 | $-3,584,000 | $-3,415,000 |
| Net Common Stock Issuance | $-5,686,000 | $-4,768,000 | $-3,471,000 | $-5,900,000 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Issuance Of Debt | $0 | $133,000,000 | $810,500,000 | $232,000,000 |
| Interest Paid Supplemental Data | $25,576,000 | $24,519,000 | $17,205,000 | $4,700,000 |
| Income Tax Paid Supplemental Data | $2,050,000 | $417,000 | $0 | $0 |
| End Cash Position | $71,543,000 | $25,928,000 | $22,965,000 | $27,817,000 |
| Beginning Cash Position | $25,928,000 | $22,965,000 | $27,817,000 | $149,511,000 |
| Changes In Cash | $45,615,000 | $2,963,000 | $-4,852,000 | $-121,694,000 |
| Common Stock Payments | $-5,686,000 | $-4,768,000 | $-3,471,000 | $-5,900,000 |
| Net Issuance Payments Of Debt | $-1,000,000 | $-48,600,000 | $23,600,000 | $54,500,000 |
| Net Long Term Debt Issuance | $-1,000,000 | $-48,600,000 | $23,600,000 | $54,500,000 |
| Long Term Debt Payments | $-1,000,000 | $-181,600,000 | $-786,900,000 | $-177,500,000 |
| Long Term Debt Issuance | $0 | $133,000,000 | $810,500,000 | $232,000,000 |
| Net Investment Purchase And Sale | $52,781,000 | $15,903,000 | $20,357,000 | $-14,740,000 |
| Sale Of Investment | $53,831,000 | $18,794,000 | $22,170,000 | $35,878,000 |
| Purchase Of Investment | $-1,050,000 | $-2,891,000 | $-1,813,000 | $-50,618,000 |
| Net Business Purchase And Sale | $-3,014,000 | $0 | - | $0 |
| Purchase Of Business | $-3,014,000 | $0 | - | $0 |
| Net PPE Purchase And Sale | $-2,602,000 | $-1,229,000 | $-958,000 | $-1,896,000 |
| Purchase Of PPE | $-2,602,000 | $-1,229,000 | $-958,000 | $-1,896,000 |
| Change In Working Capital | $844,000 | $-2,300,000 | $-1,414,000 | $2,680,000 |
| Change In Other Current Assets | $5,023,000 | $-2,656,000 | $3,876,000 | $-2,014,000 |
| Change In Payables And Accrued Expense | $-3,597,000 | $607,000 | $-4,724,000 | $5,865,000 |
| Change In Payable | $-3,597,000 | $607,000 | $-4,724,000 | $5,865,000 |
| Change In Account Payable | $-3,597,000 | $607,000 | $-4,724,000 | $5,865,000 |
| Change In Receivables | $-582,000 | $-251,000 | $-566,000 | $-1,171,000 |
| Changes In Account Receivables | $-582,000 | $-251,000 | $-566,000 | $-1,171,000 |
| Other Non Cash Items | $7,703,000 | $-1,791,000 | $1,891,000 | $8,323,000 |
| Stock Based Compensation | $536,000 | $637,000 | $576,000 | $568,000 |
| Asset Impairment Charge | $289,000 | $-41,000 | $50,000 | $-1,279,000 |
| Deferred Tax | $-111,000 | $2,017,000 | $1,878,000 | $2,709,000 |
| Deferred Income Tax | $-111,000 | $2,017,000 | $1,878,000 | $2,709,000 |
| Depreciation Amortization Depletion | $4,224,000 | $3,552,000 | $3,567,000 | $4,014,000 |
| Depreciation And Amortization | $4,224,000 | $3,552,000 | $3,567,000 | $4,014,000 |
| Amortization Cash Flow | $2,026,000 | $1,401,000 | $1,332,000 | $1,818,000 |
| Amortization Of Intangibles | $2,026,000 | $1,401,000 | $1,332,000 | $1,818,000 |
| Depreciation | $2,198,000 | $2,151,000 | $2,235,000 | $2,196,000 |
| Net Income From Continuing Operations | $13,974,000 | $11,470,000 | $12,095,000 | $12,521,000 |
| Gain Loss On Investment Securities | - | $0 | $-1,453,000 | $0 |
| Proceeds From Stock Option Exercised | - | - | - | - |
| Sale Of PPE | - | - | - | - |
Fetched: 2026-06-17