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SB FINANCIAL GROUP INC (SBFG) Stock Fundamental Analysis

NASDAQ:SBFG - US78408D1054 - Common Stock

22.05 USD
-0.05 (-0.23%)
Last: 9/8/2025, 12:10:47 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SBFG. SBFG was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of SBFG have multiple concerns. SBFG has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

With a Return On Assets value of 0.80%, SBFG perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
The Return On Equity of SBFG (8.95%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.8%
ROE 8.95%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

SBFG's Profit Margin of 19.19% is on the low side compared to the rest of the industry. SBFG is outperformed by 64.96% 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) 19.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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 less shares outstanding
SBFG has a better debt/assets ratio than last year.
SBFG Yearly Shares OutstandingSBFG Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 4.34, which is a neutral value as it means it would take SBFG, 4.34 years of fcf income to pay off all of its debts.
SBFG has a Debt to FCF ratio of 4.34. This is in the lower half of the industry: SBFG underperforms 63.94% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that SBFG is not too dependend on debt financing.
SBFG has a worse Debt to Equity ratio (0.34) than 72.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.34
Altman-Z N/A
ROIC/WACCN/A
WACC14.16%
SBFG Yearly LT Debt VS Equity VS FCFSBFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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4

3. Growth

3.1 Past

SBFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.81%.
The Earnings Per Share has been growing slightly by 2.91% on average over the past years.
SBFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.31%.
Measured over the past years, SBFG shows a small growth in Revenue. The Revenue has been growing by 1.50% on average per year.
EPS 1Y (TTM)2.81%
EPS 3Y-11.38%
EPS 5Y2.91%
EPS Q2Q%27.66%
Revenue 1Y (TTM)11.31%
Revenue growth 3Y-6.01%
Revenue growth 5Y1.5%
Sales Q2Q%77.87%

3.2 Future

SBFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.05% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y13.27%
EPS Next 2Y18.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.16%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.05, which indicates a correct valuation of SBFG.
Based on the Price/Earnings ratio, SBFG is valued a bit cheaper than the industry average as 60.10% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SBFG to the average of the S&P500 Index (27.02), we can say SBFG is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.20, the valuation of SBFG can be described as reasonable.
Based on the Price/Forward Earnings ratio, SBFG is valued a bit cheaper than 70.84% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, SBFG is valued rather cheaply.
Industry RankSector Rank
PE 12.05
Fwd PE 9.2
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

SBFG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.25
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SBFG's earnings are expected to grow with 18.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.91
PEG (5Y)4.14
EPS Next 2Y18.05%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

SBFG has a Yearly Dividend Yield of 2.72%.
SBFG's Dividend Yield is comparable with the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.45, SBFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

The dividend of SBFG has a limited annual growth rate of 4.30%.
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)4.3%
Div Incr Years11
Div Non Decr Years11
SBFG Yearly Dividends per shareSBFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

SBFG pays out 32.02% of its income as dividend. This is a sustainable payout ratio.
SBFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.02%
EPS Next 2Y18.05%
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 2015 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 (9/8/2025, 12:10:47 PM)

22.05

-0.05 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22
Inst Owners54.66%
Inst Owner Change3.71%
Ins Owners5.54%
Ins Owner Change0.83%
Market Cap139.58M
Analysts85.71
Price Target23.46 (6.39%)
Short Float %2.31%
Short Ratio3.15
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend0.57
Dividend Growth(5Y)4.3%
DP32.02%
Div Incr Years11
Div Non Decr Years11
Ex-Date08-15 2025-08-15 (0.15)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.09%
Min EPS beat(2)-19.12%
Max EPS beat(2)8.93%
EPS beat(4)2
Avg EPS beat(4)0.76%
Min EPS beat(4)-19.12%
Max EPS beat(4)31.52%
EPS beat(8)5
Avg EPS beat(8)12.75%
EPS beat(12)8
Avg EPS beat(12)10.45%
EPS beat(16)12
Avg EPS beat(16)13.64%
Revenue beat(2)2
Avg Revenue beat(2)60.42%
Min Revenue beat(2)52.41%
Max Revenue beat(2)68.43%
Revenue beat(4)4
Avg Revenue beat(4)32.93%
Min Revenue beat(4)2.95%
Max Revenue beat(4)68.43%
Revenue beat(8)5
Avg Revenue beat(8)15.69%
Revenue beat(12)8
Avg Revenue beat(12)19.68%
Revenue beat(16)12
Avg Revenue beat(16)30.84%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)14.81%
EPS NQ rev (3m)8.77%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.5%
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 12.05
Fwd PE 9.2
P/S 2.24
P/FCF 13.25
P/OCF 11.03
P/B 1.04
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)1.83
EY8.3%
EPS(NY)2.4
Fwd EY10.87%
FCF(TTM)1.66
FCFY7.55%
OCF(TTM)2
OCFY9.07%
SpS9.85
BVpS21.11
TBVpS14.38
PEG (NY)0.91
PEG (5Y)4.14
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 8.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.19%
GM N/A
FCFM 16.9%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.34
Debt/EBITDA N/A
Cap/Depr 55.75%
Cap/Sales 3.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.16%
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)2.81%
EPS 3Y-11.38%
EPS 5Y2.91%
EPS Q2Q%27.66%
EPS Next Y13.27%
EPS Next 2Y18.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.31%
Revenue growth 3Y-6.01%
Revenue growth 5Y1.5%
Sales Q2Q%77.87%
Revenue Next Year4.16%
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 1Y-46.23%
FCF growth 3Y-17.85%
FCF growth 5Y-13.31%
OCF growth 1Y-39.62%
OCF growth 3Y-18.19%
OCF growth 5Y-12.88%