SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $135.68 million. The enterprise value is $124.64 million.

Market Cap	135.68M
Enterprise Value	124.64M

Important Dates

The next confirmed earnings date is Thursday, January 29, 2026, after market close.

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

Share Statistics

SBFG has 6.24 million shares outstanding. The number of shares has decreased by -3.93% in one year.

Current Share Class	6.24M
Shares Outstanding	6.24M
Shares Change (YoY)	-3.93%
Shares Change (QoQ)	-2.29%
Owned by Insiders (%)	6.02%
Owned by Institutions (%)	48.27%
Float	5.17M

Valuation Ratios

The trailing PE ratio is 10.29 and the forward PE ratio is 8.73.

PE Ratio	10.29
Forward PE	8.73
PS Ratio	2.21
Forward PS	n/a
PB Ratio	1.00
P/TBV Ratio	1.24
P/FCF Ratio	6.94
P/OCF Ratio	6.25
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.12
EV / Sales	1.97
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.38

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.97
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.15%.

Return on Equity (ROE)	10.15%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.48%
Revenue Per Employee	$251,611
Profits Per Employee	$54,218
Employee Count	252
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SBFG has paid $3.11 million in taxes.

Income Tax	3.11M
Effective Tax Rate	18.50%

Stock Price Statistics

The stock price has increased by +2.21% 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	+2.21%
50-Day Moving Average	21.78
200-Day Moving Average	20.18
Relative Strength Index (RSI)	48.65
Average Volume (20 Days)	9,333

Short Selling Information

The latest short interest is 105,319, so 1.69% of the outstanding shares have been sold short.

Short Interest	105,319
Short Previous Month	120,101
Short % of Shares Out	1.69%
Short % of Float	2.04%
Short Ratio (days to cover)	7.69

Income Statement

In the last 12 months, SBFG had revenue of $63.41 million and earned $13.66 million in profits. Earnings per share was $2.11.

Revenue	63.41M
Gross Profit	63.41M
Operating Income	16.64M
Pretax Income	16.80M
Net Income	13.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.11

Balance Sheet

The company has $88.63 million in cash and $77.59 million in debt, with a net cash position of $11.04 million or $1.77 per share.

Cash & Cash Equivalents	88.63M
Total Debt	77.59M
Net Cash	11.04M
Net Cash Per Share	$1.77
Equity (Book Value)	136.94M
Book Value Per Share	21.71
Working Capital	-1.18B

Cash Flow

In the last 12 months, operating cash flow was $21.73 million and capital expenditures -$2.19 million, giving a free cash flow of $19.54 million.

Operating Cash Flow	21.73M
Capital Expenditures	-2.19M
Free Cash Flow	19.54M
FCF Per Share	$3.13

Margins

Gross Margin	n/a
Operating Margin	26.25%
Pretax Margin	26.49%
Profit Margin	21.59%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.82%

Dividends & Yields

This stock pays an annual dividend of $0.62, which amounts to a dividend yield of 2.85%.

Dividend Per Share	$0.62
Dividend Yield	2.85%
Dividend Growth (YoY)	7.02%
Years of Dividend Growth	12
Payout Ratio	28.88%
Buyback Yield	3.93%
Shareholder Yield	6.78%
Earnings Yield	10.07%
FCF Yield	14.40%

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