SB Financial Group Inc.

SBFG | NASDAQ

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$29.88

+$0.40 (+1.36%)

At close: Sep 21, 2026, 4:00 PM ET

$29.88

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $184.99M

Enterprise Value $108.65M

Beta 0.19

Average Volume 30.37K

Shares Outstanding (Diluted) 6.22M

Shares Change YoY -3.7%

Institutional Ownership 54.64%

Exchange NASDAQ

ISIN US78408D1054

Price Performance

Price Change 1M 12.5%

Price Change 3M 29.1%

Price Change 6M 48.1%

Price Change YTD 39.8%

Price Change 1Y 47.3%

Price Change 3Y 104.5%

Price Change 5Y 75.8%

1M CAGR (ann.) 9.6%

1Y CAGR (ann.) 46.2%

5Y CAGR (ann.) 15.1%

All-Time CAGR 7.6%

Valuation

PE Ratio 11.15

Forward PE 11.14

PEG Ratio 0.24

Forward PEG 7.04

PS Ratio 1.98

Forward PS 2.60

PB Ratio 1.28

P/FCF Ratio 15.08

P/Adj. FCF Ratio 15.76

P/OCF Ratio 7.47

EV/Sales 1.15

EV/EBIT 5.24

EV/EBITDA 4.50

EV/FCF 8.74

Earnings Yield 9.0%

FCF Yield 6.6%

Adj. FCF Yield 6.3%

Financial Health

Net Cash $78.85M

Total Debt $59.31M

Cash & Short-Term Investments $138.15M

Total Assets $1.62B

Current Ratio 21.33

Quick Ratio 21.33

Debt / Equity Ratio 0.40

Debt / EBITDA 2.46

Debt / FCF 4.77

OCF / Debt 0.24

Interest Coverage 0.78

Altman Z-Score 0.39

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 71.2%

Operating Profit Margin 21.9%

EBITDA Margin 25.5%

Net Profit Margin 17.7%

FCF Margin 13.1%

Adj. FCF Margin 12.5%

SBC / Revenue 0.6%

SBC Impact (per share) -4.3%

Returns

Return on Assets 1.0%

Return on Equity 11.8%

Return on Invested Capital 1.0%

Return on Capital Employed 1.3%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 11.3%

Revenue CAGR 5Y 3.7%

Revenue CAGR 10Y 8.3%

EPS CAGR 3Y 15.1%

EPS CAGR 5Y -0.6%

EPS CAGR 10Y 8.5%

FCF CAGR 3Y -16.1%

FCF CAGR 5Y -13.9%

FCF CAGR 10Y 5.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $37.76

Graham Upside 26.4%

Lynch Fair Value $13.40

Lynch Upside -55.1%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $14.34M

Free Cash Flow $12.43M

Adj. Free Cash Flow $11.9M

FCF Per Share $3.72

OCF Per Share $4

OCF/S Ratio 26.1%

Income Statement

Revenue $94.86M

Gross Profit $67.53M

Operating Income $20.73M

EBITDA $24.15M

Net Income $16.76M

EPS (Diluted) $2.68

Revenue / Employee $373.46K

Profit / Employee $65.97K

Employees 254

Dividends

Annual Dividend $0.63

Dividend Yield 2.11%

Payout Ratio 23.5%

FCF Payout Ratio 31.2%

Adj. FCF Payout Ratio 32.6%

Dividend Growth (YoY) 6.8%

Pay Frequency Quarterly

Ex-Dividend Date Aug 13, 2026