SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $128.68 million. The enterprise value is $128.75 million.

Market Cap	128.68M
Enterprise Value	128.75M

Important Dates

The next estimated earnings date is Thursday, October 23, 2025, after market close.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

SBFG has 6.33 million shares outstanding. The number of shares has decreased by -3.28% in one year.

Current Share Class	6.33M
Shares Outstanding	6.33M
Shares Change (YoY)	-3.28%
Shares Change (QoQ)	-0.66%
Owned by Insiders (%)	5.89%
Owned by Institutions (%)	49.07%
Float	4.91M

Valuation Ratios

The trailing PE ratio is 11.22 and the forward PE ratio is 8.89.

PE Ratio	11.22
Forward PE	8.89
PS Ratio	2.18
Forward PS	n/a
PB Ratio	0.98
P/TBV Ratio	1.21
P/FCF Ratio	12.25
P/OCF Ratio	10.20
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.76
EV / Sales	2.10
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.22

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.26%.

Return on Equity (ROE)	9.26%
Return on Assets (ROA)	0.85%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$242,956
Profits Per Employee	$47,472
Employee Count	252
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SBFG has paid $2.95 million in taxes.

Income Tax	2.95M
Effective Tax Rate	19.73%

Stock Price Statistics

The stock price has increased by +13.69% in the last 52 weeks. The beta is 0.29, so SBFG's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+13.69%
50-Day Moving Average	20.43
200-Day Moving Average	20.33
Relative Strength Index (RSI)	43.00
Average Volume (20 Days)	24,112

Short Selling Information

The latest short interest is 98,008, so 1.55% of the outstanding shares have been sold short.

Short Interest	98,008
Short Previous Month	131,013
Short % of Shares Out	1.55%
Short % of Float	2.00%
Short Ratio (days to cover)	3.86

Income Statement

In the last 12 months, SBFG had revenue of $61.23 million and earned $11.96 million in profits. Earnings per share was $1.83.

Revenue	61.23M
Gross Profit	61.23M
Operating Income	14.96M
Pretax Income	14.27M
Net Income	11.96M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.83

Balance Sheet

The company has $82.98 million in cash and $82.71 million in debt, giving a net cash position of $271,000 or $0.04 per share.

Cash & Cash Equivalents	82.98M
Total Debt	82.71M
Net Cash	271,000
Net Cash Per Share	$0.04
Equity (Book Value)	133.65M
Book Value Per Share	20.87
Working Capital	-1.17B

Cash Flow

In the last 12 months, operating cash flow was $12.66 million and capital expenditures -$2.12 million, giving a free cash flow of $10.53 million.

Operating Cash Flow	12.66M
Capital Expenditures	-2.12M
Free Cash Flow	10.53M
FCF Per Share	$1.66

Margins

Gross Margin	n/a
Operating Margin	24.43%
Pretax Margin	24.42%
Profit Margin	19.60%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	17.20%

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 2.92%.

Dividend Per Share	$0.60
Dividend Yield	2.92%
Dividend Growth (YoY)	7.27%
Years of Dividend Growth	11
Payout Ratio	32.26%
Buyback Yield	3.28%
Shareholder Yield	6.22%
Earnings Yield	9.27%
FCF Yield	8.16%

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