SB Financial Group, Inc. (SBFG)

SB Financial Group Statistics

Total Valuation

SBFG has a market cap or net worth of $139.83 million. The enterprise value is $78.69 million.

Market Cap	139.83M
Enterprise Value	78.69M

Important Dates

The last earnings date was Thursday, April 23, 2026, after market close.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	May 15, 2026

Share Statistics

SBFG has 6.28 million shares outstanding. The number of shares has decreased by -4.55% in one year.

Current Share Class	6.28M
Shares Outstanding	6.28M
Shares Change (YoY)	-4.55%
Shares Change (QoQ)	-0.37%
Owned by Insiders (%)	6.31%
Owned by Institutions (%)	47.20%
Float	5.19M

Valuation Ratios

The trailing PE ratio is 8.73 and the forward PE ratio is 8.92.

PE Ratio	8.73
Forward PE	8.92
PS Ratio	2.11
Forward PS	n/a
PB Ratio	0.96
P/TBV Ratio	1.20
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	4.89
EV / Sales	1.19
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 11.71%.

Return on Equity (ROE)	11.71%
Return on Assets (ROA)	1.04%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.59%
Revenue Per Employee	$257,027
Profits Per Employee	$62,349
Employee Count	258
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SBFG has paid $3.84 million in taxes.

Income Tax	3.84M
Effective Tax Rate	19.23%

Stock Price Statistics

The stock price has increased by +15.44% in the last 52 weeks. The beta is 0.19, so SBFG's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+15.44%
50-Day Moving Average	21.18
200-Day Moving Average	20.99
Relative Strength Index (RSI)	54.59
Average Volume (20 Days)	8,359

Short Selling Information

The latest short interest is 151,377, so 2.41% of the outstanding shares have been sold short.

Short Interest	151,377
Short Previous Month	145,691
Short % of Shares Out	2.41%
Short % of Float	2.92%
Short Ratio (days to cover)	13.39

Income Statement

In the last 12 months, SBFG had revenue of $66.31 million and earned $16.09 million in profits. Earnings per share was $2.55.

Revenue	66.31M
Gross Profit	66.31M
Operating Income	19.80M
Pretax Income	19.95M
Net Income	16.09M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.55

Balance Sheet

The company has $128.26 million in cash and $66.99 million in debt, with a net cash position of $61.26 million or $9.75 per share.

Cash & Cash Equivalents	128.26M
Total Debt	66.99M
Net Cash	61.26M
Net Cash Per Share	$9.75
Equity (Book Value)	143.66M
Book Value Per Share	23.10
Working Capital	-1.24B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	29.85%
Pretax Margin	30.08%
Profit Margin	24.30%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.87%.

Dividend Per Share	$0.64
Dividend Yield	2.87%
Dividend Growth (YoY)	6.90%
Years of Dividend Growth	12
Payout Ratio	24.31%
Buyback Yield	4.55%
Shareholder Yield	7.42%
Earnings Yield	11.49%
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