SB Financial Group, Inc. SBFG

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30.89 USD -0.33 -1.06%

At close · Oct 30

30.89 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
30.43 × 2
Ask
31.03 × 2
30.16 Day range 31.09
18.72 52-week range 31.22
YTD
+38.71%
1 year
+63.87%
Open
30.62
Prev close
31.22
Mkt cap
193.15M
Vol
23.43K
Avg vol
15.15K
EPS
2.67
P/E
11.57
Div yield
2.76%
More statistics
Low
30.16
High
31.09
Forward P/E
11.27
Beta
0.74
Short ratio
0.42
Inst. own
50.92%
Dividend
0.58
Ex-div date
Nov 7, 2024
Earnings
Jan 23, 2025
50-d avg
20.47
200-d avg
16.51
1y target
0.00

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Financial health

Altman Z-Score

-0.52 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 10.2×
FY 2016: 10.1×FY 2017: 8.8×FY 2018: 9.6×FY 2019: 11.6×FY 2020: 9.3×FY 2021: 7.6×FY 2022: 9.5×FY 2023: 8.7×FY 2024: 12.2×FY 2025: 10.2×
FY 2016 5y median 9.5× FY 2025
P/S 1.6×
FY 2016: 1.7×FY 2017: 1.8×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 1.9×FY 2021: 1.9×FY 2022: 1.9×FY 2023: 1.4×FY 2024: 1.7×FY 2025: 1.6×
FY 2016 5y median 1.7× FY 2025
P/B 1.0×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 6.6×
FY 2016: 6.3×FY 2017: 14.6×FY 2018: 8.6×FY 2019: 7.6×FY 2020: 6.3×FY 2021: 9.4×FY 2022: 5.0×FY 2023: 8.0×FY 2024: 16.9×FY 2025: 6.6×
FY 2016 5y median 8.0× FY 2025
EV/EBITDA 6.2×
FY 2016: 6.2×FY 2017: 5.9×FY 2018: 4.9×FY 2019: 6.9×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 9.5×FY 2023: 10.8×FY 2024: 10.2×FY 2025: 6.2×
FY 2016 5y median 9.5× FY 2025
EV/Sales 1.5×
FY 2016: 2.1×FY 2017: 1.9×FY 2018: 1.5×FY 2019: 2.1×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 2.9×FY 2023: 2.6×FY 2024: 2.2×FY 2025: 1.5×
FY 2016 5y median 2.2× FY 2025
FCF Yield 15.1%
FY 2016: 15.8%FY 2017: 6.8%FY 2018: 11.6%FY 2019: 13.2%FY 2020: 15.8%FY 2021: 10.6%FY 2022: 19.9%FY 2023: 12.4%FY 2024: 5.9%FY 2025: 15.1%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 70.6%
FY 2016: 91.6%FY 2017: 91.0%FY 2018: 87.9%FY 2019: 83.4%FY 2020: 84.6%FY 2021: 93.0%FY 2022: 91.8%FY 2023: 74.7%FY 2024: 69.8%FY 2025: 70.6%
FY 2016 5y median 74.7% FY 2025
Operating Margin 19.0%
FY 2016: 27.5%FY 2017: 27.4%FY 2018: 25.7%FY 2019: 23.4%FY 2020: 25.4%FY 2021: 31.3%FY 2022: 24.4%FY 2023: 19.4%FY 2024: 17.0%FY 2025: 19.0%
FY 2016 5y median 19.4% FY 2025
Net Margin 15.4%
FY 2016: 18.7%FY 2017: 22.3%FY 2018: 20.7%FY 2019: 19.2%FY 2020: 20.5%FY 2021: 25.2%FY 2022: 19.9%FY 2023: 15.9%FY 2024: 14.1%FY 2025: 15.4%
FY 2016 5y median 15.9% FY 2025
ROE 9.9%
FY 2016: 10.1%FY 2017: 11.8%FY 2018: 8.9%FY 2019: 8.8%FY 2020: 10.5%FY 2021: 12.6%FY 2022: 10.6%FY 2023: 9.7%FY 2024: 9.0%FY 2025: 9.9%
FY 2016 5y median 9.9% FY 2025
ROIC 5.9%
FY 2016: 6.2%FY 2017: 7.6%FY 2018: 6.3%FY 2019: 6.1%FY 2020: 7.2%FY 2021: 8.4%FY 2022: 5.0%FY 2023: 4.5%FY 2024: 5.1%FY 2025: 5.9%
FY 2016 5y median 5.1% FY 2025
ROA 0.9%
FY 2016: 1.1%FY 2017: 1.3%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.2%FY 2021: 1.4%FY 2022: 0.9%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 11.9%
FY 2016: 12.7%FY 2017: 5.9%FY 2018: 12.9%FY 2019: 11.3%FY 2020: 16.5%FY 2021: -0.2%FY 2022: -13.5%FY 2023: 20.8%FY 2024: 7.2%FY 2025: 11.9%
FY 2016 FY 2025
Operating Income 24.5%
FY 2016: 17.0%FY 2017: 5.6%FY 2018: 6.0%FY 2019: 1.3%FY 2020: 26.0%FY 2021: 23.2%FY 2022: -32.6%FY 2023: -3.9%FY 2024: -5.9%FY 2025: 24.5%
FY 2016 FY 2025
EPS (diluted) 27.3%
FY 2016: 15.9%FY 2017: 26.7%FY 2018: -13.3%FY 2019: 0.0%FY 2020: 29.9%FY 2021: 30.5%FY 2022: -27.5%FY 2023: -1.1%FY 2024: -1.7%FY 2025: 27.3%
FY 2016 FY 2025
Free Cash Flow 160.7%
FY 2016: 775.0%FY 2017: -50.9%FY 2018: 94.6%FY 2019: 41.6%FY 2020: 30.6%FY 2021: -32.4%FY 2022: 59.6%FY 2023: -45.0%FY 2024: -36.9%FY 2025: 160.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -0.4×
FY 2016: 1.3×FY 2017: 0.4×FY 2018: -1.0×FY 2019: 0.1×FY 2020: -4.7×FY 2021: -3.9×FY 2022: 3.3×FY 2023: 5.0×FY 2024: 2.2×FY 2025: -0.4×
FY 2016 5y median 2.2× FY 2025
Interest Coverage 0.7×
FY 2016: 4.0×FY 2017: 3.3×FY 2018: 2.3×FY 2019: 1.5×FY 2020: 2.8×FY 2021: 5.7×FY 2022: 3.0×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 2.7%
FY 2016: 2.8%FY 2017: 2.6%FY 2018: 3.0%FY 2019: 2.6%FY 2020: 2.2%FY 2021: 2.3%FY 2022: 2.9%FY 2023: 3.4%FY 2024: 2.7%FY 2025: 2.7%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 27.5%
FY 2016: 24.5%FY 2017: 21.1%FY 2018: 26.3%FY 2019: 27.4%FY 2020: 20.5%FY 2021: 17.2%FY 2022: 27.3%FY 2023: 29.6%FY 2024: 32.9%FY 2025: 27.5%
FY 2016 5y median 27.5% FY 2025

Annual · latest fiscal year ends 2025-12-31