SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $119.87 million. The enterprise value is $89.20 million.

Market Cap	119.87M
Enterprise Value	89.20M

Important Dates

The next confirmed earnings date is Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	May 16, 2025

Share Statistics

SBFG has 6.53 million shares outstanding. The number of shares has decreased by -3.23% in one year.

Current Share Class	6.53M
Shares Outstanding	6.53M
Shares Change (YoY)	-3.23%
Shares Change (QoQ)	-1.47%
Owned by Insiders (%)	5.81%
Owned by Institutions (%)	35.29%
Float	4.73M

Valuation Ratios

The trailing PE ratio is 10.21 and the forward PE ratio is 8.75.

PE Ratio	10.21
Forward PE	8.75
PS Ratio	1.95
Forward PS	n/a
PB Ratio	0.86
P/TBV Ratio	1.15
P/FCF Ratio	8.65
P/OCF Ratio	7.56
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	7.95
EV / Sales	1.52
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.44

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.69
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.82%.

Return on Equity (ROE)	8.82%
Return on Assets (ROA)	0.79%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$233,385
Profits Per Employee	$44,552
Employee Count	252
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SBFG has paid $2.34 million in taxes.

Income Tax	2.34M
Effective Tax Rate	17.18%

Stock Price Statistics

The stock price has increased by +31.21% in the last 52 weeks. The beta is 0.25, so SBFG's price volatility has been lower than the market average.

Beta (5Y)	0.25
52-Week Price Change	+31.21%
50-Day Moving Average	18.90
200-Day Moving Average	20.12
Relative Strength Index (RSI)	50.86
Average Volume (20 Days)	64,231

Short Selling Information

The latest short interest is 20,029, so 0.31% of the outstanding shares have been sold short.

Short Interest	20,029
Short Previous Month	11,796
Short % of Shares Out	0.31%
Short % of Float	0.42%
Short Ratio (days to cover)	0.95

Income Statement

In the last 12 months, SBFG had revenue of $58.81 million and earned $11.23 million in profits. Earnings per share was $1.70.

Revenue	58.81M
Gross Profit	58.81M
Operating Income	13.73M
Pretax Income	14.27M
Net Income	11.23M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.70

Balance Sheet

The company has $109.49 million in cash and $78.83 million in debt, giving a net cash position of $30.66 million or $4.70 per share.

Cash & Cash Equivalents	109.49M
Total Debt	78.83M
Net Cash	30.66M
Net Cash Per Share	$4.70
Equity (Book Value)	131.53M
Book Value Per Share	20.14
Working Capital	-1.17B

Cash Flow

In the last 12 months, operating cash flow was $15.85 million and capital expenditures -$1.99 million, giving a free cash flow of $13.85 million.

Operating Cash Flow	15.85M
Capital Expenditures	-1.99M
Free Cash Flow	13.85M
FCF Per Share	$2.12

Margins

Gross Margin	n/a
Operating Margin	23.34%
Pretax Margin	23.12%
Profit Margin	19.15%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.55%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 3.49%.

Dividend Per Share	$0.60
Dividend Yield	3.49%
Dividend Growth (YoY)	7.41%
Years of Dividend Growth	11
Payout Ratio	34.10%
Buyback Yield	3.23%
Shareholder Yield	6.49%
Earnings Yield	9.37%
FCF Yield	11.56%

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