SB Financial Group, Inc. (SBFG)

NCM – Real Time Price. Currency in USD

27.52

+0.28 (1.03%)

Market open: Aug 12, 2026, 2:29 PM EDT

27.24

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 27.24$
Day's range: 26.7 - 27.27$
52-week range: 18.16 - 27.69$
Volume: 18 286
Average volume: 16 464
Beta: 0.24
EPS (TTM): 2.68
PE ratio (TTM): 10.19
Forward P/E: 10.64
Market cap: 170 331 505
Shares outstanding: 6 252 992
Dividend yield: $2.28 (2.28%)
Next earnings date: 2026-11-04
Sector: Financials
Industry: Banks - Regional

About the company

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, consum... read more

CEO: Mark Klein
Country: United States
IPO Date
Employees: 254
Fiscal Year End: January - December
Website: https://ir.yourstatebank.co...

Revenue Breakdown

Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: SBFG

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Overall Score

4.5 / 1045%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $59.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.4) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.19	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.40	0.05	7.0
Debt to Assets	0.04	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	63M	76M	81M	91M	95M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	15M	15M	14M	17M	21M
Net Income	12M	12M	11M	14M	17M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	30.72	0.44	10
Net margin %	25.05	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.00	1.46	3.0
ROE	11.03	14.94	7.0
ROIC	7.94	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	-8.82	1.0
Next quarter	N/A	-10.77	1.0
Current year	N/A	10.82	4.0
Next year	N/A	1.56	2.0
Weighted average score			2.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	4.19	4.92	15.87	-142.58	4.5
Y/Y	5.63	17.17	25.86	-155.79	6.3
3y average	13.18	4.45	13.39	35.71	7.5
5y average	5.25	0.82	1.75	146.94	5.0
Weighted average score					5.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	9.94	11.16	7.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.43	3.37	5.2
P/B	1.13	1.53	7.0
Weighted average score			5.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR5.25%

FCF 5 year CAGR4

Fair value42.04$

Stock price27.24$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.87	2.87	7.0
Payout ratio	25.53	25.53	4.0
5-year dividend growth rate	9.33	9.33	9.0
Years of dividend increase	12.00	12.00	8.0
Weighted average score			7.0

Fair Value

$42.04

UndervaluedStock priceOvervalued

$27.24

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Mark Klein

Country

United States

IPO Date

Employees

254

Fiscal Year End

January - December

Website

https://ir.yourstatebank.co...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.19

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.40

0.05

7.0

Debt to Assets

0.04

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

63M

76M

81M

91M

95M

Gross Profit

N/A

Operating Income

15M

14M

17M

21M

Net Income

12M

11M

14M

17M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

30.72

0.44

Net margin %

25.05

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.00

1.46

3.0

ROE

11.03

14.94

7.0

ROIC

7.94

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

-8.82

1.0

Next quarter

N/A

-10.77

1.0

Current year

N/A

10.82

4.0

Next year

N/A

1.56

2.0

Weighted average score

2.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

4.19

4.92

15.87

-142.58

4.5

Y/Y

5.63

17.17

25.86

-155.79

6.3

3y average

13.18

4.45

13.39

35.71

7.5

5y average

5.25

0.82

1.75

146.94

5.0

Weighted average score

5.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

9.94

11.16

7.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.43

3.37

5.2

P/B

1.13

1.53

7.0

Weighted average score

5.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.87

7.0

Payout ratio

25.53

4.0

5-year dividend growth rate

9.33

9.0

Years of dividend increase

12.00

8.0

Weighted average score

7.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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SB Financial Group, Inc. (SBFG)

Stock details

About the company

Revenue Breakdown

News

Chart: SBFG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$42.04

$27.24

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: SBFG

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$42.04

$27.24

Economic Moat