SB FINANCIAL GROUP INC (SBFG) Fundamental Analysis & Valuation

NASDAQ:SBFG • US78408D1054

Current stock price

21.94 USD
-0.23 (-1.04%)
At close:
20.48 USD
-1.46 (-6.65%)
After Hours:

This SBFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SBFG Profitability Analysis

1.1 Basic Checks

  • In the past year SBFG was profitable.
  • SBFG had a positive operating cash flow in the past year.
  • In the past 5 years SBFG has always been profitable.
  • Each year in the past 5 years SBFG had a positive operating cash flow.
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 2025 5M 10M 15M 20M 25M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.90%, SBFG is in line with its industry, outperforming 42.44% of the companies in the same industry.
  • SBFG's Return On Equity of 9.87% is in line compared to the rest of the industry. SBFG outperforms 58.09% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 9.87%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.99%
ROE(3y)9.52%
ROE(5y)10.34%
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 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of SBFG (21.26%) is worse than 68.97% 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) 21.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.62%
PM growth 5Y-1.21%
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 2025 5 10 15 20 25

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3

2. SBFG Health Analysis

2.1 Basic Checks

  • SBFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SBFG has less shares outstanding
  • SBFG has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SBFG has been reduced compared to a year ago.
SBFG Yearly Shares OutstandingSBFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B

2.2 Solvency

  • SBFG has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
  • SBFG's Debt to FCF ratio of 1.83 is in line compared to the rest of the industry. SBFG outperforms 50.66% of its industry peers.
  • A Debt/Equity ratio of 0.28 indicates that SBFG is not too dependend on debt financing.
  • SBFG has a worse Debt to Equity ratio (0.28) than 66.05% 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 0.28
Debt/FCF 1.83
Altman-Z N/A
ROIC/WACCN/A
WACC15.7%
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 2025 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 2025 5M 10M 15M 20M

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

4

3. SBFG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.91% over the past year.
  • SBFG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.34% yearly.
  • SBFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.14%.
  • SBFG shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.14% yearly.
EPS 1Y (TTM)27.91%
EPS 3Y9.62%
EPS 5Y3.34%
EPS Q2Q%14.55%
Revenue 1Y (TTM)15.14%
Revenue growth 3Y4.39%
Revenue growth 5Y-0.14%
Sales Q2Q%50.68%

3.2 Future

  • Based on estimates for the next years, SBFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.37% on average per year.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y14.52%
EPS Next 2Y9.37%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2027 0.5 1 1.5 2 2.5

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7

4. SBFG Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.97, 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 82.49% of the companies in the same industry.
  • SBFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
  • SBFG is valuated reasonably with a Price/Forward Earnings ratio of 8.71.
  • SBFG's Price/Forward Earnings ratio is rather cheap when compared to the industry. SBFG is cheaper than 84.88% of the companies in the same industry.
  • SBFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.95.
Industry RankSector Rank
PE 9.97
Fwd PE 8.71
SBFG Price Earnings VS Forward Price EarningsSBFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SBFG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SBFG is cheaper than 88.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.45
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)0.69
PEG (5Y)2.99
EPS Next 2Y9.37%
EPS Next 3YN/A

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

7

5. SBFG Dividend Analysis

5.1 Amount

  • SBFG has a Yearly Dividend Yield of 2.79%.
  • Compared to an average industry Dividend Yield of 2.53, 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 1.82.
Industry RankSector Rank
Dividend Yield 2.79%

5.2 History

  • The dividend of SBFG is nicely growing with an annual growth rate of 8.25%!
  • SBFG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SBFG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.25%
Div Incr Years12
Div Non Decr Years12
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

  • 27.61% of the earnings are spent on dividend by SBFG. This is a low number and sustainable payout ratio.
  • The dividend of SBFG is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP27.61%
EPS Next 2Y9.37%
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 2025 5M 10M 15M 20M
SBFG Dividend Payout.SBFG Dividend Payout, showing the Payout Ratio.SBFG Dividend Payout.PayoutRetained Earnings

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SBFG Fundamentals: All Metrics, Ratios and Statistics

SB FINANCIAL GROUP INC

NASDAQ:SBFG (4/16/2026, 8:00:02 PM)

After market: 20.48 -1.46 (-6.65%)

21.94

-0.23 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners53.46%
Inst Owner Change0.07%
Ins Owners5.72%
Ins Owner Change12.09%
Market Cap138.22M
Revenue(TTM)65.56M
Net Income(TTM)13.94M
Analysts82.86
Price Target24.48 (11.58%)
Short Float %2.61%
Short Ratio11.82
Dividend
Industry RankSector Rank
Dividend Yield 2.79%
Yearly Dividend0.6
Dividend Growth(5Y)8.25%
DP27.61%
Div Incr Years12
Div Non Decr Years12
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.15%
Min EPS beat(2)-3.49%
Max EPS beat(2)1.2%
EPS beat(4)2
Avg EPS beat(4)-3.12%
Min EPS beat(4)-19.12%
Max EPS beat(4)8.93%
EPS beat(8)5
Avg EPS beat(8)5.85%
EPS beat(12)7
Avg EPS beat(12)8.25%
EPS beat(16)11
Avg EPS beat(16)9.98%
Revenue beat(2)2
Avg Revenue beat(2)59.38%
Min Revenue beat(2)57.82%
Max Revenue beat(2)60.94%
Revenue beat(4)4
Avg Revenue beat(4)59.9%
Min Revenue beat(4)52.41%
Max Revenue beat(4)68.43%
Revenue beat(8)7
Avg Revenue beat(8)30.74%
Revenue beat(12)8
Avg Revenue beat(12)22.49%
Revenue beat(16)12
Avg Revenue beat(16)29.67%
PT rev (1m)0%
PT rev (3m)4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.26%
EPS NY rev (1m)0%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.97
Fwd PE 8.71
P/S 2.11
P/FCF 6.45
P/OCF 5.75
P/B 0.98
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)2.2
EY10.03%
EPS(NY)2.52
Fwd EY11.48%
FCF(TTM)3.4
FCFY15.51%
OCF(TTM)3.82
OCFY17.39%
SpS10.41
BVpS22.42
TBVpS15.4
PEG (NY)0.69
PEG (5Y)2.99
Graham Number33.3123 (51.83%)
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 9.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.26%
GM N/A
FCFM 32.7%
ROA(3y)0.88%
ROA(5y)0.99%
ROE(3y)9.52%
ROE(5y)10.34%
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-0.62%
PM growth 5Y-1.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 1.83
Debt/EBITDA N/A
Cap/Depr 61.6%
Cap/Sales 3.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 153.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.7%
ROIC/WACCN/A
Cap/Depr(3y)41.02%
Cap/Depr(5y)41.88%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.93%
Profit Quality(3y)111.2%
Profit Quality(5y)120.86%
High Growth Momentum
Growth
EPS 1Y (TTM)27.91%
EPS 3Y9.62%
EPS 5Y3.34%
EPS Q2Q%14.55%
EPS Next Y14.52%
EPS Next 2Y9.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.14%
Revenue growth 3Y4.39%
Revenue growth 5Y-0.14%
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 1Y160.73%
FCF growth 3Y-3.25%
FCF growth 5Y-0.45%
OCF growth 1Y154.35%
OCF growth 3Y-2.04%
OCF growth 5Y0.11%

SB FINANCIAL GROUP INC / SBFG Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 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.


Can you provide the profitability details for SB FINANCIAL GROUP INC?

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


What are the PE and PB ratios of SB FINANCIAL GROUP INC (SBFG) stock?

The Price/Earnings (PE) ratio for SB FINANCIAL GROUP INC (SBFG) is 9.97 and the Price/Book (PB) ratio is 0.98.


Is the dividend of SB FINANCIAL GROUP INC sustainable?

The dividend rating of SB FINANCIAL GROUP INC (SBFG) is 7 / 10 and the dividend payout ratio is 27.61%.