NASDAQ: SBFG
Sb Financial Group Inc Stock

$19.01-0.65 (-3.31%)
Updated Apr 25, 2025
SBFG Price
$19.01
Fair Value Price
$14.37
Market Cap
$124.23M
52 Week Low
$13.01
52 Week High
$24.48
P/E
11.05x
P/B
0.97x
P/S
2.45x
PEG
0.84x
Dividend Yield
2.24%
Revenue
$56.82M
Earnings
$11.47M
Gross Margin
100%
Operating Margin
24.39%
Profit Margin
20.2%
Debt to Equity
9.82
Operating Cash Flow
$9M
Beta
0.4
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

SBFG Overview

SB Financial Group, Inc. provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was incorporated in 1983 and is headquartered in Defiance, Ohio.

Zen Rating

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

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
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
F
SBFG
Ranked
#71 of 295

Top Ranked Stocks in Industry

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SBFG News

Overview

Due Diligence Score

Industry Average (32)
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 ($19.01) is overvalued by 32.25% relative to our estimate of its Fair Value price of $14.37 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
SBFG ($19.01) is not significantly undervalued (32.25%) relative to our estimate of its Fair Value price of $14.37 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
SBFG ($19.01) is trading above... 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
$19.01
Fair Value
$14.37
Overvalued by
32.25%
SBFG ($19.01) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SBFG ($19.01) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SBFG ($19.01) is trading above... 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
11.05x
Industry
13.4x
Market
29.65x
SBFG is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SBFG is good 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
0.97x
Industry
1.12x
SBFG is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

SBFG price to earnings growth (PEG)

For valuing profitable companies with growth potential

SBFG is good value based... subscribe to Premium to read more.
PEG Value Valuation

SBFG's financial health

Profit margin

Revenue
$15.5M
Net Income
$3.6M
Profit Margin
23.4%
SBFG's Earnings (EBIT) of $13.86M... subscribe to Premium to read more.
Interest Coverage Financials
SBFG's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.4B
Liabilities
$1.3B
Debt to equity
9.82
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
$6.0M
Investing
-$14.1M
Financing
-$15.3M
SBFG's operating cash flow ($9.45M)... subscribe to Premium to read more.
Debt Coverage Financials

SBFG vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
SBFGC$124.23M-3.31%11.05x0.97x
RVSBC$124.18M-0.67%148.00x0.78x
SRBKC$121.59M-0.53%164.50x0.61x
FGBI$129.30M+2.07%12.77x0.51x
AFBID$118.80M-0.21%21.88x0.92x

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 $24.48, and its 52-week low was $13.01. It is currently -22.35% from its 52-week high and 46.12% from its 52-week low.

How much is Sb Financial Group stock worth today?

(NASDAQ: SBFG) Sb Financial Group currently has 6,534,918 outstanding shares. With Sb Financial Group stock trading at $19.01 per share, the total value of Sb Financial Group stock (market capitalization) is $124.23M.

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 26 years would have been 24.75%, for an annualized return of 0.85% (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 $19.01 today (as of Apr 25, 2025).

What is Sb Financial Group's Market Cap?

(NASDAQ: SBFG) Sb Financial Group's market cap is $124.23M, as of Apr 29, 2025.

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 $19.01 by SBFG's total outstanding shares of 6,534,918.
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