SB FINANCIAL GROUP INC (SBFG)
US78408D1054 - Common Stock
Overall SBFG gets a fundamental rating of 3 out of 10. We evaluated SBFG against 412 industry peers in the Banks industry. SBFG has a bad profitability rating. Also its financial health evaluation is rather negative. SBFG is valued correctly, but it does not seem to be growing. SBFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SBFG was profitable.
SBFG had a positive operating cash flow in the past year.
SBFG had positive earnings in each of the past 5 years.
In the past 5 years SBFG always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.90%, SBFG perfoms like the industry average, outperforming 52.67% of the companies in the same industry.
SBFG's Return On Equity of 9.70% is in line compared to the rest of the industry. SBFG outperforms 55.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 9.7% | ||
| ROIC | N/A |
ROA(3y)1.07%
ROA(5y)1.09%
ROE(3y)10.95%
ROE(5y)10.28%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 21.17%, SBFG is doing worse than 62.14% of the companies in the same industry.
In the last couple of years the Profit Margin of SBFG has remained more or less at the same level.
SBFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.17%
PM growth 5Y-0.18%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SBFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SBFG has been reduced compared to 1 year ago.
Compared to 5 years ago, SBFG has more shares outstanding
SBFG has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SBFG is 3.33, which is a good value as it means it would take SBFG, 3.33 years of fcf income to pay off all of its debts.
SBFG has a Debt to FCF ratio of 3.33. This is comparable to the rest of the industry: SBFG outperforms 42.96% of its industry peers.
A Debt/Equity ratio of 0.35 indicates that SBFG is not too dependend on debt financing.
SBFG's Debt to Equity ratio of 0.35 is on the low side compared to the rest of the industry. SBFG is outperformed by 63.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 3.33 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.79% over the past year.
The Earnings Per Share has been growing slightly by 4.80% on average over the past years.
SBFG shows a decrease in Revenue. In the last year, the revenue decreased by -1.08%.
SBFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.70% yearly.
EPS 1Y (TTM)4.79%
EPS 3Y-2.13%
EPS 5Y4.8%
EPS growth Q2Q14%
Revenue 1Y (TTM)-1.08%
Revenue growth 3Y-4.79%
Revenue growth 5Y2.7%
Revenue growth Q2Q3.46%
3.2 Future
Based on estimates for the next years, SBFG will show a decrease in Earnings Per Share. The EPS will decrease by -5.57% on average per year.
The Revenue is expected to grow by 0.41% on average over the next years.
EPS Next Y-13.15%
EPS Next 2Y-5.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.49%
Revenue Next 2Y0.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.83, which indicates a rather cheap valuation of SBFG.
75.97% of the companies in the same industry are more expensive than SBFG, based on the Price/Earnings ratio.
SBFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.84.
The Price/Forward Earnings ratio is 9.02, which indicates a very decent valuation of SBFG.
70.63% of the companies in the same industry are more expensive than SBFG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.35, SBFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.83 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
67.48% of the companies in the same industry are more expensive than SBFG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SBFG's earnings are expected to decrease with -5.57% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.63
EPS Next 2Y-5.57%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.06%, SBFG is a good candidate for dividend investing.
SBFG's Dividend Yield is a higher than the industry average which is at 3.83.
Compared to an average S&P500 Dividend Yield of 2.41, SBFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
5.2 History
The dividend of SBFG decreases each year by -0.71%.
SBFG has paid a dividend for at least 10 years, which is a reliable track record.
SBFG has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-0.71%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
SBFG pays out 29.70% of its income as dividend. This is a sustainable payout ratio.
The Dividend Rate of SBFG has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP29.7%
EPS Next 2Y-5.57%
EPS Next 3YN/A
SB FINANCIAL GROUP INC
NASDAQ:SBFG (4/26/2024, 7:15:04 PM)
13.71
-0.09 (-0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap93.09M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.83 | ||
| Fwd PE | 9.02 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 9.7% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 21.17% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)4.79%
EPS 3Y-2.13%
EPS 5Y
EPS growth Q2Q
EPS Next Y-13.15%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.08%
Revenue growth 3Y-4.79%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y