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SBFG SB Financial Group, Inc.

NASDAQ Capital Market · Banks - Regional · Financial Services

$27.24
-0.10 (-0.37%)

SB Financial Group, Inc., based in Defiance, Ohio, was established in 1983 and rebranded from Rurban Financial Corp. in April 2013. The company delivers a comprehensive array of commercial banking and wealth management solutions to both individual and business clients throughout Ohio, Indiana, and Michigan. Its banking provisions include various deposit instruments such as checking, savings, money…

Market Cap: $170.93Mir.yourstatebank.com

Price (90d)

No price history yet — the daily price refresh runs once a day.

Signal Score (90d)

120
120
Aug 14Aug 14

Quote

Day Range
$26.43 – $27.44
52-Week Range
$18.16 – $28.38
Volume
$17.0K
Market Cap
$170.93M
50-Day Avg
$25.33
200-Day Avg
$22.39
Prev Close
$27.34
Open
$26.93

Valuation & Ratios

P/E Ratio
10.17
EPS
$2.19
P/B Ratio
1.00
P/S Ratio
1.56
Debt/Equity
0.45
Current Ratio
0.12
Dividend Yield
+2.7%
Gross Margin
+70.6%

Returns & Efficiency

Return on Equity
+9.9%
Return on Assets
+0.9%
FCF Yield
+15.1%
EV/EBITDA
6.84

Revenue & Net Income (Annual)

Fiscal YearRevenueNet IncomeEPS
2025$91.03M$13.97M$2.19
2024$81.37M$11.47M$1.72
2023$75.87M$12.10M$1.77
2022$62.80M$12.52M$1.79
2021$72.60M$18.28M$2.45

Social Signal Score

70
5d
70
1 mentions
30d
70
1 mentions
60d
70
1 mentions
90d
70
1 mentions
news: 1

Earnings

Thu, Oct 29(in 2 months)

Consensus estimate $0.62 per share

7of 7 quarters beat consensus

Typical surprise +5.8% (median, so one quarter with a near-zero estimate can't distort it)

  • Thu, Jul 23$0.73 vs $0.69beat
  • Thu, Apr 23$0.63 vs $0.60beat
  • Thu, Jan 29$0.65 vs $0.64beat
  • Thu, Oct 30$0.68 vs $0.62beat
  • Thu, Jul 24$0.58 vs $0.54beat
  • Thu, May 1$0.42 vs $0.40beat

Estimates and results for SBFG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.

Valuation

Project earnings forward and see what return today's price implies.

Seeded from SBFG's reported EPS growth of -2.8% a year over 4 years.

EPS in 5 years
$1.90
Implied price
$19.04
Return from $27.24
-6.9% a year

To earn 15.0% a year on these assumptions you'd need to buy at $9.46 -65.3% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E68101214
-12.8%-24.6%-20.1%-16.5%-13.4%-10.7%
-7.8%-20.3%-15.6%-11.7%-8.4%-5.6%
-2.8%-16.0%-11.0%-6.9%-3.5%-0.4%
2.2%-11.6%-6.4%-2.1%1.5%4.7%
7.2%-7.3%-1.8%2.7%6.5%9.8%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

Mentions (1)

  • Newszacks.com·1d ago·Positive

    Why SB Financial Group, Inc. (SBFG) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does SB Financial Group (SBFG) have what it takes?

    View source ↗