SB FINANCIAL GROUP, INC.
Data quality: 83%
SBFG
NASDAQ
Financial Services
Depository Institutions
$22.00
▼
$0.17
(-0.77%)
6 months return
—
Momentum
Neutral
1Y earnings growth
21.83%
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%
Above sector avg (9.22%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
0.08
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM|NTM|2027)
9.96 | 8.59 | 8.56
Below sector avg (11.12)
P/B Ratio1.02
EV/EBITDAN/A
Dividend Yield2.76%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
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
Price History
Financial Trends
Analyst Price Target
1 analyst
Buy
+9.1%
upside to target
Current
$22.00
Consensus Target
$24.00
$24.00
Low
$24.00
High
Forecast
Forward P/E
8.59
Forward EPS
$2.58
EPS Growth (est.)
+4.5%
Est. Revenue
52.40 M
Earnings Surprises
EPS
Reported
Estimate
Forecast
Next: Q1 2026
·
EPS Est: $0.60
·
Rev Est: 12.60 M
| Q12025 | Q22025 | Q32025 | Q42025 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|
| Reported | $0.42 | $0.58 | $0.68 | $0.65 | — | — |
| Estimate | $0.40 | $0.54 | $0.62 | $0.64 | $0.60 | $0.65 |
| Surprise | +5.00% | +7.41% | +9.68% | +1.56% | — | — |
Growth
Rev 5Y: N/A · Earnings 1Y: 21.83%
Growth
Rev 5Y: N/A · Earnings 1Y: 21.83%| 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
ROE: 10.33% · Net Margin: N/A
Profitability
ROE: 10.33% · Net Margin: N/A| 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
D/E: 0.08 · Current: N/A
Safety
D/E: 0.08 · Current: N/A| 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
Yield: 2.76% · Payout: 27.85%
Dividends
Yield: 2.76% · Payout: 27.85%| Dividend Yield | 2.76% | Payout Ratio | 27.85% |
| Dividend Growth (3Y) | 7.72% | Dividend Growth (5Y) | 9.51% |
| Consecutive Div Years | 17 yrs | ||
Valuation
P/E: 9.96 · EV/EBITDA: N/A
Valuation
P/E: 9.96 · EV/EBITDA: N/A| P/E Ratio | 9.96 | Forward P/E | 8.59 |
| P/B Ratio | 1.02 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | 1.93 |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | 2.66 | Fwd Earnings Yield | 11.64% |
| FCF Yield | 17.27% | ||
| Market Cap | 139.22 M | Enterprise Value | 150.20 M |
Per Share
EPS: 2.19 · FCF/Share: 3.81
Per Share
EPS: 2.19 · FCF/Share: 3.81| 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
FCF Conv: 172.03% · CapEx/Rev: N/A
Efficiency
FCF Conv: 172.03% · CapEx/Rev: N/A| CapEx / Revenue | N/A | FCF Conversion | 172.03% |
| SBC-Adj. FCF | 23.04 M | Growth Momentum | N/A |
Income Statement
Annual, most recent first
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
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 | — | — | — | — | — |
Peer Comparison
vs Financial Services sector median (6628 peers)
Compared with similar companies in Financial Services
Peer Comparison
vs Financial Services sector median (6628 peers) Compared with similar companies in Financial Services| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 10.0 | 11.1 |
| P/B | 1.0 | 1.2 |
| ROE % | 10.3 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | 0.1 | 0.5 |
Dividend History
Dividend History
Yield
2.76%
Payout ratio
27.85%
Growth (3Y)
7.72%
Growth (5Y)
9.51%
Recent per-share payments (most recent first).
| Ex-dividend | Payment | Amount / share |
|---|---|---|
| Feb 13, 2026 | — | $0.16 |
| Nov 14, 2025 | — | $0.16 |
| Aug 15, 2025 | — | $0.15 |
| May 16, 2025 | — | $0.15 |
| Feb 14, 2025 | — | $0.15 |
| Nov 08, 2024 | — | $0.15 |
| Aug 09, 2024 | — | $0.14 |
| May 09, 2024 | — | $0.14 |
| Feb 08, 2024 | — | $0.14 |
| Nov 09, 2023 | — | $0.14 |
| Aug 10, 2023 | — | $0.13 |
| May 11, 2023 | — | $0.13 |
Strategy Scores
1 strategy matched
Strategy Scores
1 strategy matched
Dividend
Dividend Growth
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Recent Activity
Entered
Dividend Growth
Apr 12, 2026
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