SB FINANCIAL GROUP INC (SBFG) Stock Fundamental Analysis

NASDAQ:SBFG • US78408D1054

21.66 USD
+0.27 (+1.26%)
Last: Feb 20, 2026, 04:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SBFG. SBFG was compared to 381 industry peers in the Banks industry. SBFG may be in some trouble as it scores bad on both profitability and health. SBFG is valued quite cheap, but it does not seem to be growing. Finally SBFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • SBFG had positive earnings in the past year.
  • SBFG had a positive operating cash flow in the past year.
  • SBFG had positive earnings in 4 of the past 5 years.
  • SBFG had a positive operating cash flow in 4 of the past 5 years.
SBFG Yearly Net Income VS EBIT VS OCF VS FCFSBFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

  • SBFG has a Return On Assets of 0.91%. This is comparable to the rest of the industry: SBFG outperforms 51.18% of its industry peers.
  • SBFG has a better Return On Equity (9.97%) than 63.25% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 9.97%
ROIC N/A
ROA(3y)0.89%
ROA(5y)1.04%
ROE(3y)9.74%
ROE(5y)10.45%
ROIC(3y)N/A
ROIC(5y)N/A
SBFG Yearly ROA, ROE, ROICSBFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • SBFG's Profit Margin of 21.14% is on the low side compared to the rest of the industry. SBFG is outperformed by 63.25% of its industry peers.
  • In the last couple of years the Profit Margin of SBFG has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for SBFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.97%
PM growth 5Y-0.75%
GM growth 3YN/A
GM growth 5YN/A
SBFG Yearly Profit, Operating, Gross MarginsSBFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • SBFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SBFG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SBFG Yearly Shares OutstandingSBFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
SBFG Yearly Total Debt VS Total AssetsSBFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • The Debt to FCF ratio of SBFG is 2.10, which is a good value as it means it would take SBFG, 2.10 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.10, SBFG is in line with its industry, outperforming 46.98% of the companies in the same industry.
  • A Debt/Equity ratio of 0.30 indicates that SBFG is not too dependend on debt financing.
  • SBFG's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. SBFG is outperformed by 66.40% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for SBFG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 2.1
Altman-Z N/A
ROIC/WACCN/A
WACC13.9%
SBFG Yearly LT Debt VS Equity VS FCFSBFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBFG Yearly Current Assets VS Current LiabilitesSBFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • SBFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.91%, which is quite impressive.
  • Measured over the past 5 years, SBFG shows a small growth in Earnings Per Share. The EPS has been growing by 3.34% on average per year.
EPS 1Y (TTM)27.91%
EPS 3Y9.62%
EPS 5Y3.34%
EPS Q2Q%14.55%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%50.68%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y13.59%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SBFG Yearly Revenue VS EstimatesSBFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
SBFG Yearly EPS VS EstimatesSBFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.85, which indicates a very decent valuation of SBFG.
  • SBFG's Price/Earnings ratio is rather cheap when compared to the industry. SBFG is cheaper than 85.83% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SBFG to the average of the S&P500 Index (26.99), we can say SBFG is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.67, the valuation of SBFG can be described as very reasonable.
  • 88.71% of the companies in the same industry are more expensive than SBFG, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. SBFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.85
Fwd PE 8.67
SBFG Price Earnings VS Forward Price EarningsSBFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SBFG is valued cheaper than 87.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.91
EV/EBITDA N/A
SBFG Per share dataSBFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • SBFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)2.95
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • SBFG has a Yearly Dividend Yield of 2.94%.
  • Compared to an average industry Dividend Yield of 2.78, SBFG has a dividend in line with its industry peers.
  • SBFG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.94%

5.2 History

  • The dividend of SBFG has a limited annual growth rate of 4.30%.
  • SBFG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SBFG has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.3%
Div Incr Years11
Div Non Decr Years11
SBFG Yearly Dividends per shareSBFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 28.09% of the earnings are spent on dividend by SBFG. This is a low number and sustainable payout ratio.
  • The dividend of SBFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.09%
EPS Next 2YN/A
EPS Next 3YN/A
SBFG Yearly Income VS Free CF VS DividendSBFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
SBFG Dividend Payout.SBFG Dividend Payout, showing the Payout Ratio.SBFG Dividend Payout.PayoutRetained Earnings

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SB FINANCIAL GROUP INC

NASDAQ:SBFG (2/20/2026, 4:30:02 PM)

21.66

+0.27 (+1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners55.18%
Inst Owner Change-0.46%
Ins Owners5.28%
Ins Owner Change12.11%
Market Cap134.94M
Revenue(TTM)N/A
Net Income(TTM)13.66M
Analysts85.71
Price Target23.46 (8.31%)
Short Float %2.07%
Short Ratio9.68
Dividend
Industry RankSector Rank
Dividend Yield 2.94%
Yearly Dividend0.57
Dividend Growth(5Y)4.3%
DP28.09%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.07%
Min EPS beat(2)1.2%
Max EPS beat(2)8.93%
EPS beat(4)3
Avg EPS beat(4)5.63%
Min EPS beat(4)-19.12%
Max EPS beat(4)31.52%
EPS beat(8)6
Avg EPS beat(8)13.74%
EPS beat(12)8
Avg EPS beat(12)9.29%
EPS beat(16)12
Avg EPS beat(16)12.24%
Revenue beat(2)2
Avg Revenue beat(2)64.69%
Min Revenue beat(2)60.94%
Max Revenue beat(2)68.43%
Revenue beat(4)4
Avg Revenue beat(4)47.42%
Min Revenue beat(4)7.91%
Max Revenue beat(4)68.43%
Revenue beat(8)6
Avg Revenue beat(8)23.51%
Revenue beat(12)8
Avg Revenue beat(12)21.15%
Revenue beat(16)12
Avg Revenue beat(16)29.91%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.47%
EPS NY rev (1m)0%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.85
Fwd PE 8.67
P/S 2.09
P/FCF 6.91
P/OCF 6.21
P/B 0.99
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)2.2
EY10.16%
EPS(NY)2.5
Fwd EY11.54%
FCF(TTM)3.14
FCFY14.48%
OCF(TTM)3.49
OCFY16.1%
SpS10.37
BVpS21.98
TBVpS15.16
PEG (NY)0.72
PEG (5Y)2.95
Graham Number32.99
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 9.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.14%
GM N/A
FCFM 30.25%
ROA(3y)0.89%
ROA(5y)1.04%
ROE(3y)9.74%
ROE(5y)10.45%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.97%
PM growth 5Y-0.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF 2.1
Debt/EBITDA N/A
Cap/Depr 55.4%
Cap/Sales 3.38%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 143.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.9%
ROIC/WACCN/A
Cap/Depr(3y)36.24%
Cap/Depr(5y)35.42%
Cap/Sales(3y)2.38%
Cap/Sales(5y)2.74%
Profit Quality(3y)123.14%
Profit Quality(5y)119.5%
High Growth Momentum
Growth
EPS 1Y (TTM)27.91%
EPS 3Y9.62%
EPS 5Y3.34%
EPS Q2Q%14.55%
EPS Next Y13.59%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%50.68%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y5.05%
FCF growth 3Y-17.85%
FCF growth 5Y-13.31%
OCF growth 1Y8.79%
OCF growth 3Y-18.19%
OCF growth 5Y-12.88%

SB FINANCIAL GROUP INC / SBFG FAQ

What is the ChartMill fundamental rating of SB FINANCIAL GROUP INC (SBFG) stock?

ChartMill assigns a fundamental rating of 3 / 10 to SBFG.


What is the valuation status of SB FINANCIAL GROUP INC (SBFG) stock?

ChartMill assigns a valuation rating of 7 / 10 to SB FINANCIAL GROUP INC (SBFG). This can be considered as Undervalued.


What is the profitability of SBFG stock?

SB FINANCIAL GROUP INC (SBFG) has a profitability rating of 3 / 10.


What is the valuation of SB FINANCIAL GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SB FINANCIAL GROUP INC (SBFG) is 9.85 and the Price/Book (PB) ratio is 0.99.


What is the earnings growth outlook for SB FINANCIAL GROUP INC?

The Earnings per Share (EPS) of SB FINANCIAL GROUP INC (SBFG) is expected to grow by 13.59% in the next year.