SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $127.06 million. The enterprise value is $130.14 million.

Market Cap	127.06M
Enterprise Value	130.14M

Important Dates

The next estimated earnings date is Thursday, April 30, 2026, after market close.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

SBFG has 6.30 million shares outstanding. The number of shares has decreased by -4.37% in one year.

Current Share Class	6.30M
Shares Outstanding	6.30M
Shares Change (YoY)	-4.37%
Shares Change (QoQ)	-0.71%
Owned by Insiders (%)	6.28%
Owned by Institutions (%)	46.87%
Float	5.21M

Valuation Ratios

The trailing PE ratio is 9.21 and the forward PE ratio is 8.16.

PE Ratio	9.21
Forward PE	8.16
PS Ratio	1.97
Forward PS	n/a
PB Ratio	0.90
P/TBV Ratio	1.11
P/FCF Ratio	5.93
P/OCF Ratio	5.29
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.33
EV / Sales	2.02
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.07

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.60
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.40%.

Return on Equity (ROE)	10.40%
Return on Assets (ROA)	0.96%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.38%
Revenue Per Employee	$254,106
Profits Per Employee	$54,913
Employee Count	254
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SBFG has paid $3.28 million in taxes.

Income Tax	3.28M
Effective Tax Rate	19.01%

Stock Price Statistics

The stock price has decreased by -0.15% in the last 52 weeks. The beta is 0.22, so SBFG's price volatility has been lower than the market average.

Beta (5Y)	0.22
52-Week Price Change	-0.15%
50-Day Moving Average	21.51
200-Day Moving Average	20.46
Relative Strength Index (RSI)	34.28
Average Volume (20 Days)	12,354

Short Selling Information

The latest short interest is 114,623, so 1.82% of the outstanding shares have been sold short.

Short Interest	114,623
Short Previous Month	114,253
Short % of Shares Out	1.82%
Short % of Float	2.20%
Short Ratio (days to cover)	11.87

Income Statement

In the last 12 months, SBFG had revenue of $64.54 million and earned $13.95 million in profits. Earnings per share was $2.19.

Revenue	64.54M
Gross Profit	64.54M
Operating Income	17.54M
Pretax Income	17.26M
Net Income	13.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.19

Balance Sheet

The company has $74.16 million in cash and $77.25 million in debt, with a net cash position of -$3.08 million or -$0.49 per share.

Cash & Cash Equivalents	74.16M
Total Debt	77.25M
Net Cash	-3.08M
Net Cash Per Share	-$0.49
Equity (Book Value)	141.24M
Book Value Per Share	22.50
Working Capital	-1.24B

Cash Flow

In the last 12 months, operating cash flow was $24.04 million and capital expenditures -$2.60 million, giving a free cash flow of $21.44 million.

Operating Cash Flow	24.04M
Capital Expenditures	-2.60M
Free Cash Flow	21.44M
FCF Per Share	$3.40

Margins

Gross Margin	n/a
Operating Margin	27.18%
Pretax Margin	26.73%
Profit Margin	21.65%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	33.21%

Dividends & Yields

This stock pays an annual dividend of $0.62, which amounts to a dividend yield of 3.08%.

Dividend Per Share	$0.62
Dividend Yield	3.08%
Dividend Growth (YoY)	7.02%
Years of Dividend Growth	12
Payout Ratio	27.85%
Buyback Yield	4.37%
Shareholder Yield	7.45%
Earnings Yield	10.98%
FCF Yield	16.87%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 20, 2022. It was a forward split with a ratio of 1.05:1.

Last Split Date	Jan 20, 2022
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4