Symbols / SBFG Stock $22.22 +0.54% SB Financial Group, Inc.

Financial Services • Banks - Regional • United States • NCM
SBFG (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Mark A. Klein
Exch · Country NCM · United States
Market Cap 139.43M
Enterprise Value 78.11M
Income 16.08M
Sales 66.31M
FCF (ttm) —
Book/sh 22.86
Cash/sh 20.75
Employees 258
Insider 10d —
IPO Jan 04, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 23.92%
P/E 8.71
Forward P/E 8.61
PEG —
P/S 2.10
P/B 0.97
P/C —
EV/EBITDA —
EV/Sales 1.18
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.55
EPS next Y 2.58
EPS Growth 108.50%
Revenue Growth 11.80%
EPS Gr Q/Q 99.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.04%
ROE 11.71%
ROIC —
Gross Margin 0.00%
Oper. Margin 28.82%
Profit Margin 24.30%
Shs Outstand 6.28M
Shs Float 5.18M
Insider Own 11.15%
Instit Own 54.75%
Short Float 2.49%
Short Ratio 18.49
Short Interest 146.68K
52W High 23.93
vs 52W High -7.15%
52W Low 17.10
vs 52W Low 29.94%
Beta 0.21
Impl. Vol. —
Rel Volume 1.52
Avg Volume 10.67K
Volume 16.17K
Target (mean) $25.00
Tgt Median $25.00
Tgt Low $25.00
Tgt High $25.00
# Analysts 1
Recom None
Prev Close $22.10
Price $22.22
Change 0.54%
About

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$25.00
Mean price target
2. Current target
$22.22
Latest analyst target
3. DCF / Fair value
$38.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$22.22
Low
$25.00
High
$25.00
Mean
$25.00
News
RSS: Latest SBFG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-04 STRAUSBAUGH SUE ANN Director — 48 $20.68 $993
2026-02-05 COSENTINO ANTHONY VAN Chief Financial Officer — 3,672 $22.14 $81,298
2026-02-05 STOLLY TIMOTHY J Director — 1,150 $22.14 $25,461
2026-02-05 CARTER GEORGE W Director — 1,150 $22.14 $25,461
2026-02-05 MARTIN WILLIAM G Director — 1,150 $22.14 $25,461
2026-02-05 HELBERG TOM R Director — 1,150 $22.14 $25,461
2026-02-05 GAYTAN GARCIAO JUAN ERNESTO Officer — 3,672 $22.14 $81,298
2026-02-05 DILLER KEETA JANE Officer — 3,672 $0.00 $0
2026-02-05 CLAXTON TIMOTHY L. Director — 1,150 $22.14 $25,461
2026-02-05 WALZ STEVEN A. Officer — 3,672 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
65.56
+15.14%
56.94
-0.10%
56.99
-1.10%
57.63
Operating Revenue
65.56
+15.14%
56.94
-0.10%
56.99
-1.10%
57.63
Selling General And Administration
26.49
+5.30%
25.16
+4.00%
24.19
-5.75%
25.67
Selling And Marketing Expense
0.65
-20.71%
0.82
+4.99%
0.78
-14.16%
0.91
General And Administrative Expense
25.84
+6.18%
24.34
+3.96%
23.41
-5.44%
24.75
Salaries And Wages
25.84
+6.18%
24.34
+3.96%
23.41
-5.44%
24.75
Other Gand A
—
—
—
—
Reconciled Depreciation
4.22
+18.92%
3.55
-0.42%
3.57
-11.14%
4.01
Net Income
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Pretax Income
17.25
+24.53%
13.86
-5.85%
14.72
-3.91%
15.32
Net Interest Income
48.45
+21.37%
39.92
+1.65%
39.27
-0.32%
39.40
Interest Expense
25.47
+4.26%
24.43
+29.39%
18.88
+265.16%
5.17
Interest Income
73.92
+14.87%
64.35
+10.66%
58.15
+30.48%
44.57
Gain On Sale Of Security
—
0.00
-100.00%
1.45
0.00
Tax Provision
3.28
+37.51%
2.39
-9.00%
2.62
-6.19%
2.79
Tax Rate For Calcs
0.00
+10.27%
0.00
-3.29%
0.00
-2.37%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Net Income From Continuing Operation Net Minority Interest
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Net Income From Continuing And Discontinued Operation
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Net Income Continuous Operations
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Normalized Income
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Net Income Common Stockholders
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Diluted EPS
2.19
+27.33%
1.72
-1.71%
1.75
-1.13%
1.77
Basic EPS
2.19
+27.33%
1.72
-2.82%
1.77
-1.12%
1.79
Basic Average Shares
6.37
-4.37%
6.66
-2.47%
6.83
-2.51%
7.00
Diluted Average Shares
6.39
-4.37%
6.68
-3.43%
6.92
-2.27%
7.08
Diluted NI Availto Com Stockholders
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Occupancy And Equipment
7.84
+8.69%
7.22
+0.60%
7.17
+8.55%
6.61
Other Non Interest Expense
9.07
+18.44%
7.66
+1.11%
7.57
+10.97%
6.83
Professional Expense And Contract Services Expense
3.59
+22.79%
2.93
-3.21%
3.02
-5.91%
3.21
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,545.37
+12.02%
1,379.52
+2.70%
1,343.25
+0.57%
1,335.63
Cash And Cash Equivalents
72.68
+164.37%
27.49
+12.22%
24.50
-18.19%
29.95
Cash Financial
71.54
+175.93%
25.93
+12.90%
22.96
-17.44%
27.82
Other Short Term Investments
73.53
-14.59%
86.09
-60.82%
219.71
-7.99%
238.78
Receivables
5.49
+11.86%
4.91
+5.39%
4.66
+13.84%
4.09
Accounts Receivable
5.49
+11.86%
4.91
+5.39%
4.66
+13.84%
4.09
Net PPE
21.69
+6.02%
20.46
-4.31%
21.38
-6.36%
22.83
Gross PPE
51.89
+7.08%
48.46
+2.60%
47.23
+1.68%
46.46
Accumulated Depreciation
-30.21
-7.85%
-28.01
-8.32%
-25.86
-9.44%
-23.63
Land And Improvements
3.88
+8.95%
3.56
+0.00%
3.56
+0.00%
3.56
Buildings And Improvements
29.11
+4.73%
27.80
+0.49%
27.66
-0.13%
27.70
Machinery Furniture Equipment
—
—
—
14.31
Construction In Progress
0.04
-82.09%
0.20
+20.36%
0.17
-81.00%
0.88
Other Properties
18.86
+11.60%
16.90
+6.69%
15.84
+10.67%
14.31
Goodwill And Other Intangible Assets
42.41
+11.30%
38.11
+2.59%
37.15
+1.10%
36.74
Goodwill
27.16
+16.86%
23.24
+0.00%
23.24
+0.00%
23.24
Other Intangible Assets
15.25
+2.60%
14.87
+6.92%
13.91
+2.98%
13.50
Investments And Advances
73.53
-14.59%
86.09
-60.82%
219.71
-7.99%
238.78
Total Liabilities Net Minority Interest
1,404.13
+12.15%
1,252.01
+2.72%
1,218.91
+0.14%
1,217.20
Payables And Accrued Expenses
2.46
+4.64%
2.35
-3.77%
2.44
+217.69%
0.77
Payables
2.46
+4.64%
2.35
-3.77%
2.44
+217.69%
0.77
Accounts Payable
2.46
+4.64%
2.35
-3.77%
2.44
+217.69%
0.77
Long Term Debt And Capital Lease Obligation
54.74
+0.09%
54.69
-47.03%
103.24
+29.71%
79.59
Long Term Debt
54.74
+0.09%
54.69
-47.03%
103.24
+29.71%
79.59
Preferred Securities Outside Stock Equity
10.31
+0.00%
10.31
+0.00%
10.31
+0.00%
10.31
Stockholders Equity
141.24
+10.77%
127.51
+2.55%
124.34
+4.99%
118.43
Common Stock Equity
141.24
+10.77%
127.51
+2.55%
124.34
+4.99%
118.43
Capital Stock
61.32
+0.00%
61.32
+0.00%
61.32
+0.00%
61.32
Common Stock
61.32
+0.00%
61.32
+0.00%
61.32
+0.00%
61.32
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
8.53
+0.64%
8.47
-0.06%
8.48
-0.57%
8.53
Ordinary Shares Number
6.28
-3.35%
6.49
-3.37%
6.72
-3.11%
6.94
Treasury Shares Number
2.25
+13.75%
1.98
+12.57%
1.76
+10.49%
1.59
Additional Paid In Capital
15.16
-0.22%
15.19
+0.46%
15.12
+0.25%
15.09
Retained Earnings
126.31
+8.71%
116.19
+7.10%
108.49
+6.39%
101.97
Gains Losses Not Affecting Retained Earnings
-21.48
+28.95%
-30.23
-1.35%
-29.83
+7.13%
-32.12
Treasury Stock
40.07
+14.64%
34.96
+13.66%
30.76
+10.54%
27.82
Total Equity Gross Minority Interest
141.24
+10.77%
127.51
+2.55%
124.34
+4.99%
118.43
Total Capitalization
195.97
+7.56%
182.20
-19.94%
227.58
+14.93%
198.02
Invested Capital
195.97
+7.56%
182.20
-19.94%
227.58
+14.93%
198.02
Total Debt
54.74
+0.09%
54.69
-47.03%
103.24
+29.71%
79.59
Net Debt
—
27.20
-65.46%
78.74
+58.61%
49.65
Net Tangible Assets
98.82
+10.54%
89.40
+2.53%
87.20
+6.75%
81.69
Tangible Book Value
98.82
+10.54%
89.40
+2.53%
87.20
+6.75%
81.69
Available For Sale Securities
—
29.83
—
—
Cash Cash Equivalents And Federal Funds Sold
72.68
+164.37%
27.49
+12.22%
24.50
-18.19%
29.95
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
24.04
+154.35%
9.45
-32.44%
13.99
-45.29%
25.57
Cash Flow From Continuing Operating Activities
24.04
+154.35%
9.45
-32.44%
13.99
-45.29%
25.57
Net Income From Continuing Operations
13.97
+21.83%
11.47
-5.17%
12.10
-3.40%
12.52
Depreciation Amortization Depletion
4.22
+18.92%
3.55
-0.42%
3.57
-11.14%
4.01
Depreciation
2.20
+2.19%
2.15
-3.76%
2.23
+1.78%
2.20
Amortization Cash Flow
2.03
+44.61%
1.40
+5.18%
1.33
-26.73%
1.82
Depreciation And Amortization
4.22
+18.92%
3.55
-0.42%
3.57
-11.14%
4.01
Amortization Of Intangibles
2.03
+44.61%
1.40
+5.18%
1.33
-26.73%
1.82
Other Non Cash Items
7.70
+530.09%
-1.79
-194.71%
1.89
-77.28%
8.32
Stock Based Compensation
0.54
-15.86%
0.64
+10.59%
0.58
+1.41%
0.57
Asset Impairment Charge
0.29
+804.88%
-0.04
-182.00%
0.05
+103.91%
-1.28
Deferred Tax
-0.11
-105.50%
2.02
+7.40%
1.88
-30.68%
2.71
Deferred Income Tax
-0.11
-105.50%
2.02
+7.40%
1.88
-30.68%
2.71
Operating Gains Losses
-5.16
-9.51%
-4.71
+14.22%
-5.49
-12.89%
-4.86
Gain Loss On Investment Securities
—
0.00
+100.00%
-1.45
0.00
Change In Working Capital
0.84
+136.70%
-2.30
-62.66%
-1.41
-152.76%
2.68
Change In Receivables
-0.58
-131.87%
-0.25
+55.65%
-0.57
+51.67%
-1.17
Changes In Account Receivables
-0.58
-131.87%
-0.25
+55.65%
-0.57
+51.67%
-1.17
Change In Payables And Accrued Expense
-3.60
-692.59%
0.61
+112.85%
-4.72
-180.55%
5.87
Change In Payable
-3.60
-692.59%
0.61
+112.85%
-4.72
-180.55%
5.87
Change In Account Payable
-3.60
-692.59%
0.61
+112.85%
-4.72
-180.55%
5.87
Change In Other Current Assets
5.02
+289.12%
-2.66
-168.52%
3.88
+292.45%
-2.01
Investing Cash Flow
-68.08
-135.20%
-28.95
-66.46%
-17.39
+89.50%
-165.67
Cash Flow From Continuing Investing Activities
-68.08
-135.20%
-28.95
-66.46%
-17.39
+89.50%
-165.67
Net PPE Purchase And Sale
-2.60
-111.72%
-1.23
-28.29%
-0.96
+49.47%
-1.90
Purchase Of PPE
-2.60
-111.72%
-1.23
-28.29%
-0.96
+49.47%
-1.90
Sale Of PPE
—
—
—
—
Capital Expenditure
-2.60
-111.72%
-1.23
-28.29%
-0.96
+49.47%
-1.90
Net Investment Purchase And Sale
52.78
+231.89%
15.90
-21.88%
20.36
+238.11%
-14.74
Purchase Of Investment
-1.05
+63.68%
-2.89
-59.46%
-1.81
+96.42%
-50.62
Sale Of Investment
53.83
+186.43%
18.79
-15.23%
22.17
-38.21%
35.88
Net Business Purchase And Sale
-3.01
0.00
—
0.00
Purchase Of Business
-3.01
0.00
—
0.00
Net Other Investing Changes
-0.98
-149.77%
1.97
+653.64%
0.26
+102.64%
-9.88
Financing Cash Flow
89.66
+299.20%
22.46
+1647.90%
-1.45
-107.88%
18.41
Cash Flow From Continuing Financing Activities
89.66
+299.20%
22.46
+1647.90%
-1.45
-107.88%
18.41
Net Issuance Payments Of Debt
-1.00
+97.94%
-48.60
-305.93%
23.60
-56.70%
54.50
Issuance Of Debt
0.00
-100.00%
133.00
-83.59%
810.50
+249.35%
232.00
Long Term Debt Issuance
0.00
-100.00%
133.00
-83.59%
810.50
+249.35%
232.00
Long Term Debt Payments
-1.00
+99.45%
-181.60
+76.92%
-786.90
-343.32%
-177.50
Net Long Term Debt Issuance
-1.00
+97.94%
-48.60
-305.93%
23.60
-56.70%
54.50
Net Common Stock Issuance
-5.69
-19.25%
-4.77
-37.37%
-3.47
+41.17%
-5.90
Common Stock Payments
-5.69
-19.25%
-4.77
-37.37%
-3.47
+41.17%
-5.90
Common Stock Dividend Paid
-3.85
-2.10%
-3.77
-5.19%
-3.58
-4.95%
-3.42
Cash Dividends Paid
-3.85
-2.10%
-3.77
-5.19%
-3.58
-4.95%
-3.42
Repurchase Of Capital Stock
-5.69
-19.25%
-4.77
-37.37%
-3.47
+41.17%
-5.90
Proceeds From Stock Option Exercised
—
—
—
—
Net Other Financing Charges
—
—
—
—
Changes In Cash
45.62
+1439.49%
2.96
+161.07%
-4.85
+96.01%
-121.69
Beginning Cash Position
25.93
+12.90%
22.96
-17.44%
27.82
-81.39%
149.51
End Cash Position
71.54
+175.93%
25.93
+12.90%
22.96
-17.44%
27.82
Free Cash Flow
21.44
+160.73%
8.22
-36.90%
13.03
-44.95%
23.67
Interest Paid Supplemental Data
25.58
+4.31%
24.52
+42.51%
17.20
+266.06%
4.70
Income Tax Paid Supplemental Data
2.05
+391.61%
0.42
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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