SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $132.67 million. The enterprise value is $134.26 million.

Market Cap	132.67M
Enterprise Value	134.26M

Important Dates

The last earnings date was Thursday, January 29, 2026, after market close.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

SBFG has 6.27 million shares outstanding. The number of shares has decreased by -4.37% in one year.

Current Share Class	6.27M
Shares Outstanding	6.27M
Shares Change (YoY)	-4.37%
Shares Change (QoQ)	-0.71%
Owned by Insiders (%)	6.32%
Owned by Institutions (%)	46.97%
Float	5.18M

Valuation Ratios

The trailing PE ratio is 9.66 and the forward PE ratio is 8.57.

PE Ratio	9.66
Forward PE	8.57
PS Ratio	2.06
Forward PS	n/a
PB Ratio	0.93
P/TBV Ratio	1.16
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.61
EV / Sales	2.08
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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)	3.47%
Revenue Per Employee	$256,123
Profits Per Employee	$55,452
Employee Count	252
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 -9.65% in the last 52 weeks. The beta is 0.21, so SBFG's price volatility has been lower than the market average.

Beta (5Y)	0.21
52-Week Price Change	-9.65%
50-Day Moving Average	22.04
200-Day Moving Average	20.37
Relative Strength Index (RSI)	42.51
Average Volume (20 Days)	10,415

Short Selling Information

The latest short interest is 114,253, so 1.82% of the outstanding shares have been sold short.

Short Interest	114,253
Short Previous Month	117,549
Short % of Shares Out	1.82%
Short % of Float	2.21%
Short Ratio (days to cover)	12.37

Income Statement

In the last 12 months, SBFG had revenue of $64.54 million and earned $13.97 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	13.97M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.19

Balance Sheet

The company has $72.68 million in cash and $74.28 million in debt, with a net cash position of -$1.60 million or -$0.25 per share.

Cash & Cash Equivalents	72.68M
Total Debt	74.28M
Net Cash	-1.60M
Net Cash Per Share	-$0.25
Equity (Book Value)	141.24M
Book Value Per Share	22.65
Working Capital	-1.24B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.62, which amounts to a dividend yield of 2.93%.

Dividend Per Share	$0.62
Dividend Yield	2.93%
Dividend Growth (YoY)	7.02%
Years of Dividend Growth	12
Payout Ratio	27.85%
Buyback Yield	4.37%
Shareholder Yield	7.30%
Earnings Yield	10.53%
FCF Yield	n/a

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	2