SBFG

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SB Financial Group, Inc.

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Key Metrics

Previous Close: $26.57
52-Week Range: $18.16 – $28.38
Market Cap: $166.52M
P/E (TTM): 9.97
EPS (TTM): 2.67
Dividend Yield: 2.39%

Advanced Metrics

Price/Book: 1.14
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: $84.86M

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
Revenue	$15.39M	$17.18M	$16.58M	$16.42M	$17.42M
Selling, General & Admin	$6.58M	$6.96M	$6.63M	$6.33M	$6.56M
Pretax Income	$2.59M	$4.73M	$4.96M	$4.98M	$5.28M
Income Tax	$431.00K	$875.00K	$910.00K	$1.06M	$985.00K
Net Income	$2.16M	$3.85M	$4.05M	$3.92M	$4.30M
Diluted EPS	0.33	0.60	0.64	0.63	0.69
Diluted Shares	6.50M	6.46M	6.31M	6.27M	6.24M

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

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

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.