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SBFG stock logo

SBFG

SB Financial Group, Inc.

$22.89
0.65
 (2.92%)
Exchange:  NASDAQ
Market Cap:  143.637M
Shares Outstanding:  7.994M
Delayed data
Calculate SBFG Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Mark A. Klein
Full Time Employees:  262
Address: 
401 Clinton Street
Defiance
OH
43512
US
Website:  https://ir.yourstatebank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue75,87381,36691,027
Gross Profit56,67956,81564,254
EBITDA18,28417,40819,453
Operating Income14,71713,85617,255
Net Income12,09511,47013,974

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,343,2491,379,5171,545,367
Total Liabilities1,218,9071,252,0091,404,131
Total Stockholders Equity124,342127,508141,236
Total Debt116,62965,27574,279
Cash and Cash Equivalents24,50027,4930

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Cash Flow Statement

Year202320242025
Operating Cash Flow13,9899,4510
Capital Expenditure-958-1,2290
Free Cash Flow13,0318,2220
Net Income12,09511,47013,974
Net Change in Cash-4,8522,963-25,928

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)71,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)71,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)71,800Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)19,745.972Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)19,745.972Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)19,745.972Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)16,481.042Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)16,481.042Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)16,481.042Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)24,660.692Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)24,660.692Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)24,660.692Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.580Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.580Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.580Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
81.087M  ?P/S
 (TTM)
: 
1.49
?Net Income
 (TTM)
: 
11.436M  ?P/E
 (TTM)
: 
8.59
?Enterprise Value
 (TTM)
: 
67.859M  ?EV/FCF
 (TTM)
: 
5.46
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.24
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
49.657M  ?Debt/Equity
 (TTM)
: 
0.39
?P/B
 (TTM)
: 
0.96  ?Current Ratio
 (TTM)
: 
0.12

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.27Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about SBFG valuation

Is SB Financial Group, Inc. (SBFG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for SB Financial Group, Inc. (SBFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SBFG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SBFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SBFG’s P/E ratio?

You can see SBFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SBFG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SBFG a good long-term investment?

Whether SBFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SBFG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.92
MARKETSnap

Trading Metrics:

Open: 22   Previous Close: 22.24
Day Low: 22   Day High: 22.96
Year Low: 17.1   Year High: 23.93
Price Avg 50: 21.76   Price Avg 200: 21.15
Volume: 16690   Average Volume: 10671

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Relevant news

SB Financial Group, Inc. (SBFG) Could Be a Great Choice
04-03-2026 12:45
SB Financial Group, Inc. (SBFG) Could Be a Great Choice
SB Financial Group AGM: Shareholders OK Directors, Auditor, Say-on-Pay as CEO Highlights 2025 Surge
27-04-2026 02:36
SB Financial Group AGM: Shareholders OK Directors, Auditor, Say-on-Pay as CEO Highlights 2025 Surge
SB Financial Group (SBFG) Projected to Post Quarterly Earnings on Thursday
16-04-2026 03:31
SB Financial Group (SBFG) Projected to Post Quarterly Earnings on Thursday
All You Need to Know About SB Financial Group (SBFG) Rating Upgrade to Buy
07-04-2026 13:01
All You Need to Know About SB Financial Group (SBFG) Rating Upgrade to Buy
Are You Looking for a High-Growth Dividend Stock?
16-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?
SB Financial Group, Inc. Announces Schedule for First Quarter 2026 Results
27-03-2026 09:00
SB Financial Group, Inc. Announces Schedule for First Quarter 2026 Results

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