SBFG

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SB Financial Group, Inc.

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Key Metrics

Previous Close: $29.40
52-Week Range: $18.16 – $32.93
Market Cap: $183.84M
P/E (TTM): 11.01
EPS (TTM): 2.67
Dividend Yield: 2.18%

Advanced Metrics

Price/Book: 1.25
PEG Ratio: —
Return on Equity: 11.95%
Return on Assets: 1.08%
Gross Margin: 0.00%
Operating Margin: 31.41%
Profit Margin: 24.79%
Current Ratio: —
Debt/Equity: —
Total Debt: $61.92M
Free Cash Flow: —
Revenue Growth: 7.80%
Earnings Growth: 20.50%
Enterprise Value: $102.56M

SBFG Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$57.63M	$56.99M	$56.94M	$65.56M
Selling, General & Admin	$25.67M	$24.19M	$25.16M	$26.49M
Pretax Income	$15.32M	$14.72M	$13.86M	$17.25M
Income Tax	$2.79M	$2.62M	$2.39M	$3.28M
Net Income	$12.52M	$12.10M	$11.47M	$13.97M
Diluted EPS	1.77	1.75	1.72	2.19
Diluted Shares	7.08M	6.92M	6.68M	6.39M

SBFG Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$29.95M	$24.50M	$27.49M	$72.68M
Receivables	$4.09M	$4.66M	$4.91M	$5.49M
Total Assets	$1.34B	$1.34B	$1.38B	$1.55B
Long-Term Debt	$79.59M	$103.24M	$54.69M	$54.74M
Total Debt	$79.59M	$103.24M	$54.69M	$54.74M
Total Liabilities	$1.22B	$1.22B	$1.25B	$1.40B
Retained Earnings	$101.97M	$108.49M	$116.19M	$126.31M
Shareholders' Equity	$118.43M	$124.34M	$127.51M	$141.24M
Net Debt	$49.65M	$78.74M	$27.20M	—

SBFG Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$25.57M	$13.99M	$9.45M	$24.04M
Capital Expenditure	-$1.90M	-$958.00K	-$1.23M	-$2.60M
Free Cash Flow	$23.67M	$13.03M	$8.22M	$21.44M
Depreciation & Amortisation	$4.01M	$3.57M	$3.55M	$4.22M
Stock-Based Compensation	$568.00K	$576.00K	$637.00K	$536.00K
Investing Cash Flow	-$165.67M	-$17.39M	-$28.95M	-$68.08M
Financing Cash Flow	$18.41M	-$1.45M	$22.46M	$89.66M
Dividends Paid	-$3.42M	-$3.58M	-$3.77M	-$3.85M
Share Repurchases	-$5.90M	-$3.47M	-$4.77M	-$5.69M
Net Change in Cash	-$121.69M	-$4.85M	$2.96M	$45.62M

SBFG Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$15.39M	$17.18M	$16.58M	$16.42M	$17.42M	$17.94M
Selling, General & Admin	$6.58M	$6.96M	$6.63M	$6.33M	$6.56M	$7.44M
Pretax Income	$2.59M	$4.73M	$4.96M	$4.98M	$5.28M	$5.50M
Income Tax	$431.00K	$875.00K	$910.00K	$1.06M	$985.00K	$1.01M
Net Income	$2.16M	$3.85M	$4.05M	$3.92M	$4.30M	$4.50M
Diluted EPS	0.33	0.60	0.64	0.63	0.69	0.72
Diluted Shares	6.50M	6.46M	6.31M	6.27M	6.24M	6.22M

SBFG Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$106.71M	$81.03M	$87.05M	$72.68M	$128.26M	$140.61M
Receivables	$5.07M	$5.30M	$5.46M	$5.49M	$5.50M	$5.46M
Total Assets	$1.50B	$1.49B	$1.50B	$1.55B	$1.60B	$1.62B
Long-Term Debt	$54.70M	$54.72M	$54.73M	$54.74M	$47.25M	$42.26M
Total Debt	$54.70M	$54.72M	$54.73M	$54.74M	$47.25M	$42.26M
Total Liabilities	$1.37B	$1.35B	$1.36B	$1.40B	$1.46B	$1.47B
Retained Earnings	$117.40M	$120.27M	$123.37M	$126.31M	$129.63M	$133.13M
Shareholders' Equity	$131.53M	$133.65M	$136.94M	$141.24M	$143.66M	$146.74M

SBFG Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$6.70M	-$3.63M	$12.69M	$8.27M	-$3.00M	$6.83M
Capital Expenditure	-$923.00K	-$528.00K	-$453.00K	-$698.00K	-$229.00K	-$366.00K
Free Cash Flow	$5.78M	-$4.15M	$12.24M	$7.57M	-$3.23M	$6.47M
Depreciation & Amortisation	$938.00K	$1.03M	$1.06M	$1.19M	$1.17M	$1.13M
Stock-Based Compensation	$157.00K	$184.00K	$121.00K	$74.00K	$155.00K	$210.00K
Investing Cash Flow	$9.17M	-$1.95M	-$12.21M	-$63.10M	$2.12M	-$4.97M
Financing Cash Flow	$63.34M	-$20.11M	$5.08M	$41.35M	$55.63M	$9.99M
Dividends Paid	-$947.00K	-$976.00K	-$949.00K	-$977.00K	-$976.00K	-$1.00M
Share Repurchases	-$712.00K	-$2.32M	-$2.01M	-$649.00K	-$676.00K	-$626.00K
Net Change in Cash	$79.22M	-$25.68M	$5.56M	-$13.48M	$54.75M	$11.86M

Market Snapshot

About

SB Financial Group, Inc. is a community-oriented financial holding company serving customers in Ohio and surrounding regions. The company operates through its banking subsidiary, providing commercial and retail banking services including lending, deposits, and financial planning. SB Financial Group emphasizes personalized service and local market knowledge in its community banking operations.