SB Financial Group, Inc. (SBFG)

Price$22.22

Value ScoreB

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-4.09%

Price vs S&P 500 (4W)-0.26%

VGM Score57.64

Market Capitalization$139.43M

P/E Ratio (Annual)9.98x

Indicated Dividend Yield (Annual)2.90%

All Metrics

P/CF (Annual)5.80x

Book Value / Share (Quarterly)$22.86

P/TBV (Annual)1.13x

Indicated Dividend (Annual)$0.64

Revenue Growth (3Y)0.13%

Cash Flow / Share (Quarterly)$1.98

Payout Ratio (TTM)24.07%

Price vs S&P 500 (YTD)-8.38%

Net Profit Margin (TTM)20.79%

EPS (TTM)$2.55

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$2.55

Revenue Growth (5Y)6.53%

EPS (Annual)$2.19

Dividend / Share (Annual)$0.60

ROI (Annual)7.74%

Net Profit Margin (5Y Avg)23.51%

Cash / Share (Quarterly)$2.81

P/E Basic Excl Extra (TTM)8.65x

Revenue Growth QoQ (YoY)25.77%

EPS Growth (5Y)2.27%

P/E Normalized (Annual)9.98x

ROA (Last FY)0.90%

Revenue Growth TTM (YoY)34.41%

EBITD / Share (TTM)$3.08

ROE (5Y Avg)10.36%

Operating Margin (TTM)25.21%

Cash Flow / Share (Annual)$3.42

P/B Ratio0.97x

P/B Ratio (Quarterly)0.92x

Net Income / Employee (Annual)$56,800

ROA (TTM)1.05%

EPS Growth QoQ (YoY)107.32%

EV / EBITDA (TTM)7.95x

EPS Incl Extra (Annual)$2.19

3-Month Avg Trading Volume0.01M

52-Week Price Return23.17%

EV / Free Cash Flow (Annual)8.35x

P/E Incl Extra (TTM)8.65x

Tangible BV / Share (Quarterly)$20.35

P/S Ratio (Annual)1.63x

52-Week High$23.93

EPS Excl Extra (Annual)$2.19

CapEx CAGR (5Y)5.62%

Tangible BV CAGR (5Y)-1.59%

26-Week Price Return3.83%

13-Week Price Return7.71%

Total Debt / Equity (Annual)0.28x

Enterprise Value$178.93M

Revenue / Share Growth (5Y)2.65%

Book Value / Share Growth (5Y)3.11%

Revenue / Employee (Annual)$214,636,900,000

Pretax Margin (Annual)26.58%

Cash / Share (Annual)$4.01

3-Month Return Std Dev33.74%

Net Income / Employee (TTM)$65,500

EBITDA CAGR (5Y)4.35%

EBITDA Interim CAGR (5Y)3.69%

ROE (Last FY)9.89%

EPS Basic Excl Extra (Annual)$2.19

P/FCF (TTM)5.45x

EV / Free Cash Flow (TTM)14.39x

Total Debt / Equity (Quarterly)0.27x

EPS Incl Extra (TTM)$2.55

ROI (TTM)8.94%

Dividend Growth Rate (5Y)8.25%

P/S Ratio (TTM)1.66x

Pretax Margin (5Y Avg)29.00%

Revenue / Share (Annual)$8.18

Tangible BV / Share (Annual)$19.78

Forward P/E8.61x

Free OCF CAGR (5Y)-0.45%

Price vs S&P 500 (52W)-1.19%

P/E Ratio (TTM)8.65x

EPS Growth TTM (YoY)50.09%

Year-to-Date Return-0.22%

5-Day Price Return3.93%

EPS Normalized (Annual)$2.19

ROA (5Y Avg)0.99%

Net Profit Margin (Annual)21.73%

Month-to-Date Return2.87%

Cash Flow / Share (TTM)$2.21

EBITD / Share (Annual)$3.05

EPS Growth (3Y)7.15%

Operating Margin (Annual)26.58%

LT Debt / Equity (Annual)0.21x

P/CF (TTM)9.72x

ROI (5Y Avg)7.81%

P/E Excl Extra (TTM)8.65x

LT Debt / Equity (Quarterly)0.21x

EPS Basic Excl Extra (TTM)$2.55

P/TBV (Quarterly)1.03x

Payout Ratio (Annual)27.54%

P/B Ratio (Annual)0.99x

Dividend / Share (TTM)$0.61

Pretax Margin (TTM)25.21%

Book Value / Share (Annual)$22.50

Price vs S&P 500 (13W)-0.55%

Net Margin Growth (5Y)1.20%

Dividend Yield (TTM)2.78%

Beta0.20x

P/FCF (Annual)6.50x

Revenue / Share (TTM)$8.12

ROE (TTM)11.60%

52-Week Low$17.10

vGradeB

gGradeC

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 260.69est. 0.61

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.14

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
SBFGSB Financial Group, Inc.	B	C	C	$22.22
BNSBank of Nova Scotia	C	C	B	$80.56
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.54
DBDeutsche Bank Aktiengesellschaft	B	B	F	$31.51
FITBFifth Third Bancorp	D	C	B	$52.01
FITBIFifth Third Bancorp Depositary Shares	D	C	B	$25.73
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	B	$26.02
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	B	$18.36
STTState Street Corporation	C	C	A	$161.75
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	F	$3.36

About

SB Financial Group Inc is a community-based bank providing commercial and consumer lending, personal and business banking, treasury management, and wealth management services. The company serves individuals, businesses, and municipalities through its comprehensive financial operations and related services including merchant services and brokerage solutions.