NASDAQ: SBFG
Sb Financial Group Inc Stock

$23.03+0.02 (+0.09%)
Updated Jun 22, 2026
SBFG Price
$23.03
Fair Value Price
$34.36
Market Cap
$144.52M
52 Week Low
$17.16
52 Week High
$23.93
P/E
9.03x
P/B
1.01x
P/S
1.97x
PEG
N/A
Dividend Yield
2.69%
Revenue
$66.47M
Earnings
$16.11M
Gross Margin
100%
Operating Margin
30.01%
Profit Margin
24.2%
Debt to Equity
10.17
Operating Cash Flow
$14M
Beta
0.33
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A

SBFG Overview

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 accounts, and certificates of deposit. The firm also extends diverse lending options, covering commercial, consumer, agricultural, and home mortgage loans. Complementary services offered encompass automated teller machines, personal and corporate trust administration, commercial equipment leasing, credit cards, safe deposit facilities, online banking, specialized private client group offerings, and other customized financial products. Beyond its core banking operations, SB Financial Group provides extensive wealth management services. These feature asset management for individuals and corporate employee benefit plans, alongside brokerage capabilities. Additionally, the company markets insurance policies to both retail and commercial clientele. As of the end of 2021, SB Financial Group operated a network of 22 banking branches across multiple Ohio counties (Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams), plus one banking center in Allen County, Indiana. Its strategic presence further included five loan production offices situated in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine SBFG's potential to beat the market

BBuy
  • Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More

Zen Rating Component Grades

A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
SBFG
Ranked
#13 of 283

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
$97.28B
$29.56B
$71.45B
View Top Bank Stocks

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SBFG News

Overview

Due Diligence Score

Industry Average (37)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SBFG scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

SBFG ($23.03) is undervalued by 32.98% relative to our estimate of its Fair Value price of $34.36 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SBFG ($23.03) is significantly undervalued by 32.98% relative to our estimate of its Fair Value price of $34.36 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
SBFG is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more SBFG due diligence checks available for Premium users.

Valuation

SBFG fair value

Fair Value of SBFG stock based on Discounted Cash Flow (DCF)

Price
$23.03
Fair Value
$34.36
Undervalued by
32.98%
SBFG ($23.03) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SBFG ($23.03) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SBFG is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

SBFG price to earnings (PE)

For valuing profitable companies with steady earnings

Company
9.03x
Industry
14.16x
Market
7.94x
SBFG is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SBFG is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation

SBFG price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.01x
Industry
1.28x
SBFG is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

SBFG's financial health

Profit margin

Revenue
$17.2M
Net Income
$4.3M
Profit Margin
25%
SBFG's Earnings (EBIT) of $19.95M... subscribe to Premium to read more.
Interest Coverage Financials
SBFG's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.6B
Liabilities
$1.5B
Debt to equity
10.17
SBFG's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
SBFG's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
-$3.0M
Investing
$2.1M
Financing
$55.6M
SBFG's operating cash flow ($14.34M)... subscribe to Premium to read more.
Debt Coverage Financials

SBFG vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
SBFGB$144.52M+0.09%9.03x1.01x
FNWDC$149.12M+0.73%14.97x0.86x
AFBI$137.23M-0.07%15.97x1.06x
RMBIC$154.58M-0.20%11.41x1.07x
SRBKC$154.96M+1.59%32.42x0.84x

Sb Financial Group Stock FAQ

What is Sb Financial Group's quote symbol?

(NASDAQ: SBFG) Sb Financial Group trades on the NASDAQ under the ticker symbol SBFG. Sb Financial Group stock quotes can also be displayed as NASDAQ: SBFG.

If you're new to stock investing, here's how to buy Sb Financial Group stock.

What is the 52 week high and low for Sb Financial Group (NASDAQ: SBFG)?

(NASDAQ: SBFG) Sb Financial Group's 52-week high was $23.93, and its 52-week low was $17.16. It is currently -3.76% from its 52-week high and 34.21% from its 52-week low.

How much is Sb Financial Group stock worth today?

(NASDAQ: SBFG) Sb Financial Group currently has 6,275,117 outstanding shares. With Sb Financial Group stock trading at $23.03 per share, the total value of Sb Financial Group stock (market capitalization) is $144.52M.

Sb Financial Group stock was originally listed at a price of $15.24 in Jan 4, 1999. If you had invested in Sb Financial Group stock at $15.24, your return over the last 27 years would have been 51.14%, for an annualized return of 1.54% (not including any dividends or dividend reinvestments).

How much is Sb Financial Group's stock price per share?

(NASDAQ: SBFG) Sb Financial Group stock price per share is $23.03 today (as of Jun 22, 2026).

What is Sb Financial Group's Market Cap?

(NASDAQ: SBFG) Sb Financial Group's market cap is $144.52M, as of Jun 23, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Sb Financial Group's market cap is calculated by multiplying SBFG's current stock price of $23.03 by SBFG's total outstanding shares of 6,275,117.
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