21.23 USD
-0.47 (-2.17%)
We assign a fundamental rating of 4 out of 10 to SBFG. SBFG was compared to 387 industry peers in the Banks industry. SBFG may be in some trouble as it scores bad on both profitability and health. SBFG has a correct valuation and a medium growth rate. Finally 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.
SBFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SBFG has a Return On Assets of 0.80%. This is comparable to the rest of the industry: SBFG outperforms 42.38% of its industry peers.
SBFG's Return On Equity of 8.95% is in line compared to the rest of the industry. SBFG outperforms 52.20% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 19.19%, SBFG is doing worse than 68.48% of the companies in the same industry.
SBFG's Profit Margin has been stable in the last couple of years.
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) | 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
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.
The number of shares outstanding for SBFG has been reduced compared to 5 years ago.
Compared to 1 year ago, SBFG has an improved debt to assets ratio.
2.2 Solvency
SBFG has a debt to FCF ratio of 4.34. This is a neutral value as SBFG would need 4.34 years to pay back of 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 67.18% of its industry peers.
SBFG has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
SBFG has a worse Debt to Equity ratio (0.34) than 71.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SBFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.84%, which is quite impressive.
SBFG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.91% yearly.
Looking at the last year, SBFG shows a decrease in Revenue. The Revenue has decreased by -0.10% in the last year.
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)21.84%
EPS 3Y-11.38%
EPS 5Y2.91%
EPS Q2Q%82.86%
Revenue 1Y (TTM)-0.1%
Revenue growth 3Y-6.01%
Revenue growth 5Y1.5%
Sales Q2Q%62.77%
3.2 Future
SBFG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.54% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y30.47%
EPS Next 2Y20.54%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.01, the valuation of SBFG can be described as reasonable.
SBFG's Price/Earnings ratio is a bit cheaper when compared to the industry. SBFG is cheaper than 78.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.46, SBFG is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.50, the valuation of SBFG can be described as very reasonable.
80.36% of the companies in the same industry are more expensive than SBFG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of SBFG to the average of the S&P500 Index (36.10), we can say SBFG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.01 | ||
| Fwd PE | 8.5 |
4.2 Price Multiples
SBFG's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.7 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as SBFG's earnings are expected to grow with 20.54% in the coming years.
PEG (NY)0.33
PEG (5Y)3.44
EPS Next 2Y20.54%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SBFG has a Yearly Dividend Yield of 2.86%. Purely for dividend investing, there may be better candidates out there.
SBFG's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.32, SBFG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
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 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
5.3 Sustainability
32.02% of the earnings are spent on dividend by SBFG. This is a low number and sustainable payout ratio.
SBFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.02%
EPS Next 2Y20.54%
EPS Next 3YN/A
NASDAQ:SBFG (12/5/2025, 8:00:01 PM)
21.23
-0.47 (-2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.6%
Inst Owner Change-4.14%
Ins Owners5.59%
Ins Owner Change0.85%
Market Cap133.75M
Revenue(TTM)56.94M
Net Income(TTM)11.96M
Analysts85.71
Price Target23.46 (10.5%)
Short Float %2.1%
Short Ratio9.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend0.57
Dividend Growth(5Y)4.3%
DP32.02%
Div Incr Years11
Div Non Decr Years11
Ex-Date
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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.29%
EPS NY rev (3m)15.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.01 | ||
| Fwd PE | 8.5 | ||
| P/S | 2.15 | ||
| P/FCF | 12.7 | ||
| P/OCF | 10.57 | ||
| P/B | 1 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.12
EY9.99%
EPS(NY)2.5
Fwd EY11.77%
FCF(TTM)1.67
FCFY7.88%
OCF(TTM)2.01
OCFY9.46%
SpS9.89
BVpS21.21
TBVpS14.45
PEG (NY)0.33
PEG (5Y)3.44
Graham Number31.81
Profitability
| Industry Rank | Sector 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
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC14.08%
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)21.84%
EPS 3Y-11.38%
EPS 5Y2.91%
EPS Q2Q%82.86%
EPS Next Y30.47%
EPS Next 2Y20.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.1%
Revenue growth 3Y-6.01%
Revenue growth 5Y1.5%
Sales Q2Q%62.77%
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%
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 4 / 10 to SBFG.
Can you provide the valuation status for SB FINANCIAL GROUP INC?
ChartMill assigns a valuation rating of 6 / 10 to SB FINANCIAL GROUP INC (SBFG). This can be considered as Fairly Valued.
How profitable is SB FINANCIAL GROUP INC (SBFG) stock?
SB FINANCIAL GROUP INC (SBFG) has a profitability rating of 3 / 10.
Can you provide the financial health for SBFG stock?
The financial health rating of SB FINANCIAL GROUP INC (SBFG) is 2 / 10.
Can you provide the dividend sustainability for SBFG stock?
The dividend rating of SB FINANCIAL GROUP INC (SBFG) is 7 / 10 and the dividend payout ratio is 32.02%.