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SB FINANCIAL GROUP INC (SBFG) Stock Fundamental Analysis

USA - NASDAQ:SBFG - US78408D1054 - Common Stock

19.1 USD
-0.19 (-0.98%)
Last: 10/1/2025, 9:30:37 PM
19.1 USD
0 (0%)
After Hours: 10/1/2025, 9:30:37 PM
Fundamental Rating

4

SBFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. SBFG has a bad profitability rating. Also its financial health evaluation is rather negative. SBFG has a correct valuation and a medium growth rate. SBFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SBFG had positive earnings in the past year.
In the past year SBFG had a positive cash flow from operations.
Each year in the past 5 years SBFG has 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

SBFG has a Return On Assets (0.80%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.95%, SBFG is in line with its industry, outperforming 55.87% of the companies in the same 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 65.05% 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.
SBFG has less shares outstanding than it did 1 year ago.
The number of shares outstanding for SBFG has been reduced compared to 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 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.
The Debt to FCF ratio of SBFG (4.34) is worse than 64.03% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that SBFG is not too dependend on debt financing.
SBFG's Debt to Equity ratio of 0.34 is on the low side compared to the rest of the industry. SBFG is outperformed by 72.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF 4.34
Altman-Z N/A
ROIC/WACCN/A
WACC14.73%
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%.
Measured over the past 5 years, SBFG shows a small growth in Earnings Per Share. The EPS has been growing by 2.91% on average per year.
SBFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.31%.
The Revenue has been growing slightly by 1.50% on average over the past years.
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 Y26.31%
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

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 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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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.44 indicates a reasonable valuation of SBFG.
SBFG's Price/Earnings ratio is a bit cheaper when compared to the industry. SBFG is cheaper than 73.47% of the companies in the same industry.
SBFG is valuated cheaply when we compare the Price/Earnings ratio to 27.79, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.97, the valuation of SBFG can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SBFG indicates a rather cheap valuation: SBFG is cheaper than 84.18% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.21, SBFG is valued rather cheaply.
Industry RankSector Rank
PE 10.44
Fwd PE 7.97
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.48
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.
A more expensive valuation may be justified as SBFG's earnings are expected to grow with 18.05% in the coming years.
PEG (NY)0.4
PEG (5Y)3.58
EPS Next 2Y18.05%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.92%, SBFG has a reasonable but not impressive dividend return.
SBFG's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.41, SBFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.92%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

32.02% 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.
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 (10/1/2025, 9:30:37 PM)

After market: 19.1 0 (0%)

19.1

-0.19 (-0.98%)

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 Owners56.54%
Inst Owner Change3.71%
Ins Owners5.56%
Ins Owner Change0.83%
Market Cap120.90M
Analysts85.71
Price Target23.46 (22.83%)
Short Float %1.7%
Short Ratio4.43
Dividend
Industry RankSector Rank
Dividend Yield 2.92%
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)14.81%
EPS NY rev (1m)11.52%
EPS NY rev (3m)11.52%
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 10.44
Fwd PE 7.97
P/S 1.94
P/FCF 11.48
P/OCF 9.55
P/B 0.9
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)1.83
EY9.58%
EPS(NY)2.4
Fwd EY12.55%
FCF(TTM)1.66
FCFY8.71%
OCF(TTM)2
OCFY10.47%
SpS9.85
BVpS21.11
TBVpS14.38
PEG (NY)0.4
PEG (5Y)3.58
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
WACC14.73%
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 Y26.31%
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%