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SB FINANCIAL GROUP, INC.

Data quality: 83%
SBFG
Nasdaq Financial Services Depository Institutions
$22.09
▼ $0.28 (-1.25%)
Mkt Cap: 139.22 M
Price
$22.09
Mkt Cap
139.22 M
Day Range
$21.14 — $22.17
52-Week Range
$17.10 — $23.93
Volume
5,261
Open $22.17
50D / 200D Avg
$21.04
4.98% above
50D / 200D Avg
$20.62
7.11% above

Quick Summary

Key Takeaways

Earnings grew 21.83% over the past year
ROE of 10.33% — decent returns on equity
Debt/Equity of 0.08 — conservative balance sheet
Generating 24.04 M in free cash flow
P/E of 9.96 — trading at a low valuation
Cash machine — converts 172.03% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)21.83%
FCF Growth (3Y)31.09%

Quality

Return on Equity
10.33%
Below sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.08
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.96
Below sector avg (12.63)
P/B Ratio1.02
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 10.0 12.6
P/B 1.0 1.4
ROE % 10.3 10.7
Net Margin % — 14.8
Rev Growth 5Y % — 6.4
D/E 0.1 0.5

ETFs Holding This Stock

BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.05% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 21.83% Earnings Growth (3Y) 7.49%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -6.49%
Profitability
Revenue (TTM) N/A Net Income (TTM) 13.97 M
ROE 10.33% ROA 0.94%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 24.04 M
ROIC N/A FCF Growth (3Y) 31.09%
Safety
Debt / Equity 0.08 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 109.78 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.96 Forward P/E N/A
P/B Ratio 1.02 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 17.27%
Market Cap 139.22 M Enterprise Value 150.20 M
Per Share
EPS (Diluted TTM) 2.19 Revenue / Share N/A
FCF / Share 3.81 OCF / Share 3.81
EPS CAGR (1Y) 27.33% EPS CAGR (5Y) -3.83%
EPS CAGR (10Y) 5.27%
Efficiency
CapEx / Revenue N/A FCF Conversion 172.03%
SBC-Adj. FCF 23.04 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 13.97 M 11.47 M 12.10 M 12.52 M 18.28 M
EPS (Diluted) 2.19 1.72 1.75 1.77 2.56
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 2.20 M 2.15 M 2.24 M 2.20 M 2.26 M
Interest Expense 48.45 M 39.92 M 18.88 M 5.17 M 4.02 M
Income Tax 3.28 M 2.39 M 2.62 M 2.80 M 4.45 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.55 B 1.38 B 1.34 B 1.34 B 1.33 B
Total Liabilities 1.40 B 1.25 B 1.22 B 1.22 B 1.19 B
Shareholders' Equity 141.24 M 127.51 M 124.34 M 118.43 M 144.93 M
Total Debt 9.23 M 30.28 M — 19.59 M 19.55 M
Cash & Equivalents — — — — 149.51 M
Current Assets — — — — —
Current Liabilities — — — — —