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SB Financial Group Inc

SB Financial Group Inc

SBFG · NASDAQ · Financial Services / Banks - Regional

29.76USD+0.55 (+1.88%)

Price History

Full chart

Market Stats

Previous Close29.21
Open29.20
Day Range28.56 – 29.91
52-Week Range17.66 – 32.93
Volume16.85K
Market Cap186.71M
P/E (TTM)11.18
Forward P/E12.30
EPS2.67
Dividend Yield2.14%
Beta0.19
50-Day Avg27.76
200-Day Avg23.51

About

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance 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; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. 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 founded in 1902 and is based in Defiance, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Mark A. Klein
  • Employees258
  • Headquarters401 Clinton Street, Defiance, OH, United States, 43512, USA
  • Websitehttps://ir.yourstatebank.com

Leadership

  • Mr. Mark A. KleinChairman, President & CEO · b. 1955
  • Mr. Anthony V. Cosentino CPAExecutive VP & CFO · b. 1962
  • Mr. Juan Ernesto GaytanExecutive VP and Chief Technology Innovation Officer · b. 1973
  • Ms. Keeta J. DillerExecutive VP & Corporate Secretary · b. 1957
  • Melissa MartinExecutive of Investor Relations

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue21.44M21.81M25.39M30.33M56.10M67.30M70.68M62.37M62.46M37.40M39.76M54.73M59.87M60.60M61.90M50.38M41.37M40.97M38.89M37.23M41.63M46.94M49.70M56.10M62.42M72.73M72.60M62.80M75.87M81.37M91.03M
Growth (%)-+1.72%+16.42%+19.46%+84.95%+19.96%+5.03%-11.76%+0.15%-40.12%+6.30%+37.64%+9.40%+1.21%+2.14%-18.60%-17.90%-0.96%-5.06%-4.27%+11.81%+12.74%+5.87%+12.89%+11.25%+16.53%-0.18%-13.50%+20.82%+7.24%+11.87%
Cost of Revenue15.69M15.62M17.64M19.82M23.00M31.74M39.51M52.34M15.17M7.55M9.95M16.11M18.74M15.83M17.33M20.19M8.79M6.74M4.93M3.93M3.68M3.95M4.49M6.81M10.37M11.21M5.07M5.17M19.19M24.55M26.77M
Gross Profit5.75M6.19M7.76M10.51M33.10M35.56M31.17M10.03M47.29M29.85M29.81M38.61M41.13M44.77M44.57M30.19M32.57M34.23M33.96M33.30M37.95M42.99M45.20M49.29M52.04M61.53M67.53M57.63M56.68M56.81M64.25M
Gross Margin26.83%28.40%30.54%34.65%59.00%52.84%44.10%16.08%75.71%79.81%74.97%70.56%68.69%73.88%72.00%59.93%78.75%83.55%87.31%89.45%91.15%91.59%90.96%87.86%83.38%84.59%93.02%91.77%74.70%69.83%70.59%
Operating Expense-468.72K-1.02M-230.53K4.16M25.50M26.75M28.02M30.48M28.68M26.01M29.05M34.90M36.64M37.42M44.84M52.31M30.25M27.48M26.51M25.96M26.93M30.09M31.58M34.85M37.41M43.09M44.81M42.31M41.96M42.96M47.00M
Operating Income6.22M7.21M7.99M6.35M7.60M8.81M3.15M-20.45M18.61M3.84M754.44K3.71M4.49M7.34M-277.90K-22.12M2.32M6.74M7.45M7.35M11.02M12.90M13.63M14.44M14.63M18.44M22.72M15.32M14.72M13.86M17.25M
Operating Margin29.02%33.06%31.45%20.94%13.55%13.09%4.46%-32.79%29.79%10.27%1.90%6.78%7.50%12.12%-0.45%-43.90%5.61%16.46%19.15%19.73%26.48%27.48%27.42%25.75%23.44%25.35%31.30%24.39%19.40%17.03%18.96%
EBITDA8.01M8.77M9.56M8.42M9.70M10.91M5.22M-16.07M22.09M6.91M4.21M7.99M9.23M11.74M5.05M-16.82M5.59M9.94M9.93M9.23M13.20M15.76M16.33M17.38M18.64M25.18M28.94M19.33M18.28M17.41M19.45M
EBITDA Margin37.36%40.21%37.65%27.77%17.29%16.21%7.39%-25.77%35.37%18.47%10.60%14.61%15.42%19.37%8.17%-33.39%13.50%24.26%25.53%24.80%31.71%33.58%32.87%30.97%29.87%34.63%39.86%30.78%24.10%21.39%21.37%
Net Income4.09M4.85M5.52M4.28M5.20M6.09M2.25M-13.41M12.30M2.73M673.09K2.76M3.26M5.22M382.49K-15.61M1.66M4.81M5.21M5.26M7.62M8.78M11.06M11.64M11.97M14.94M18.28M12.52M12.10M11.47M13.97M
Net Income Margin19.10%22.23%21.72%14.10%9.27%9.04%3.19%-21.50%19.70%7.31%1.69%5.04%5.44%8.61%0.62%-30.99%4.02%11.75%13.38%14.13%18.30%18.71%22.26%20.74%19.18%20.55%25.17%19.94%15.94%14.10%15.35%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense14.24M14.66M16.69M18.74M21.80M29.64M30.78M24.81M13.97M7.95M9.37M15.94M18.22M15.14M11.59M9.60M6.80M5.39M4.04M3.48M2.58M3.20M4.09M6.21M9.57M6.71M4.02M5.17M18.88M24.43M25.47M
Interest Expense % of Total Revenue66.40%67.20%65.72%61.79%38.86%44.04%43.54%39.78%22.37%21.26%23.56%29.12%30.44%24.99%18.73%19.06%16.43%13.16%10.37%9.35%6.21%6.81%8.24%11.07%15.34%9.22%5.54%8.23%24.88%30.02%27.98%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets411.23M433.27M471.37M537.15M627.80M700.82M746.21M742.32M435.31M415.35M530.54M556.01M561.21M657.62M673.05M660.29M628.66M638.23M631.75M684.23M733.07M816.00M876.63M985.90M1.04B1.26B1.33B1.34B1.34B1.38B1.55B
Total Liabilities371.15M391.78M432.28M495.25M583.90M650.68M695.38M705.93M386.93M365.04M476.09M499.05M501.89M595.96M611.34M614.26M580.73M584.95M575.49M608.54M651.83M729.46M782.63M855.46M902.48M1.11B1.19B1.22B1.22B1.25B1.40B
Total Equity40.08M41.49M39.09M41.90M43.90M50.14M50.83M36.38M48.38M50.31M54.45M56.95M59.33M61.66M61.71M46.02M47.93M53.28M56.27M75.68M81.24M86.55M94.00M130.44M136.09M142.92M144.93M118.43M124.34M127.51M141.24M
Cash28.38M34.03M22.22M25.51M18.70M18.54M25.60M37.28M14.44M10.77M12.80M13.53M15.18M18.06M24.82M30.42M14.85M19.14M13.14M28.20M20.46M17.01M26.62M48.36M27.06M146.51M152.15M29.95M24.50M27.49M72.68M
Total Debt--12.46M38.39M57.90M75.06M79.13M63.85M63.25M80.95M77.74M76.48M67.93M81.07M89.46M71.88M53.12M33.03M21.80M42.74M45.31M33.84M32.39M25.49M31.25M33.00M40.37M94.52M116.63M65.28M63.97M
Net Debt-28.38M-34.03M-9.76M12.88M39.20M56.52M53.52M26.57M48.81M70.18M64.94M62.95M52.74M63.01M64.63M41.47M38.28M13.89M3.45M14.54M14.54M9.49M-8.12M-32.36M-11.06M-138.51M-111.79M64.57M92.13M37.78M-8.71M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow8.03M8.60M4.05M-6.59M14.60M13.27M8.44M15.32M5.68M5.70M4.23M4.65M5.91M9.66M-7.18M16.86M14.91M7.42M13.95M5.01M8.62M14.03M9.80M13.85M18.83M23.91M17.26M25.57M13.99M9.45M24.04M
Investing Cash Flow-16.67M-19.95M-47.82M-50.04M-107.90M-75.75M-47.74M94.01M60.28M1.18M28.94M-20.96M-12.84M-646.52K-9.55M-18.13M3.97M-10.05M-8.91M-36.65M-54.69M-90.73M-49.53M-87.59M-67.61M-57.22M-71.99M-165.67M-17.39M-28.95M-68.08M
Financing Cash Flow11.84M17.00M31.96M59.92M86.40M62.32M46.21M-83.65M-92.81M-20.43M-31.13M26.14M1.63M1.86M13.50M6.86M-34.45M6.93M-11.04M46.70M38.34M73.25M49.33M95.48M27.49M146.94M63.55M18.41M-1.45M22.46M89.66M
Capital Expenditure274.86K1.72M1.15M4.50M1.70M1.66M2.86M6.91M2.85M3.65M2.98M6.16M3.30M8.05M3.41M2.21M680.00K833.00K1.15M1.91M7.20M1.64M3.71M2.00M2.04M1.98M2.43M1.90M958.00K1.23M2.60M
Free Cash Flow7.76M6.88M2.90M-11.09M12.90M11.62M5.59M8.41M2.83M2.05M1.25M-1.51M2.61M1.62M-10.59M14.65M14.23M6.58M12.79M3.10M1.42M12.39M6.09M11.85M16.79M21.93M14.83M23.67M13.03M8.22M21.44M
Dividends Paid1.31M1.31M1.23M1.66M1.70M1.82M2.10M1.78M--914.01K1.06M1.30M1.68M1.75M-00586.00K783.00K1.94M2.15M2.34M3.06M3.28M3.07M3.14M3.42M3.58M3.77M3.85M
FCF to OCF96.58%80.02%71.64%168.36%88.36%87.53%66.17%54.88%49.81%35.90%29.58%-32.49%44.17%16.73%147.42%86.89%95.44%88.77%91.74%61.89%16.44%88.34%62.11%85.57%89.15%91.72%85.94%92.58%93.15%87.00%89.18%
Dividend Paid to FCF16.89%19.02%42.51%-14.93%13.18%15.68%37.50%21.18%--73.13%-69.89%49.89%103.69%-16.55%-0.00%0.00%4.58%25.27%136.94%17.39%38.38%25.86%19.55%14.00%21.17%14.43%27.50%45.85%17.95%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jul 28, 2003Oct 23, 2003Feb 3, 2004Apr 27, 2004Jul 26, 2004Oct 24, 2004Jan 25, 2005Apr 20, 2005Jul 21, 2005Oct 20, 2005Jan 24, 2006Apr 20, 2006Jul 20, 2006Oct 19, 2006Jan 25, 2007Apr 18, 2007Jul 19, 2007Oct 18, 2007Jan 24, 2008Apr 17, 2008Jul 17, 2008Oct 16, 2008Jan 22, 2009Apr 16, 2009Jul 16, 2009Oct 29, 2009Jan 28, 2010Apr 29, 2010Jul 29, 2010Nov 16, 2010Jan 27, 2011Apr 27, 2011Jul 28, 2011Oct 27, 2011Feb 1, 2012Apr 25, 2012Jul 25, 2012Oct 24, 2012Jan 24, 2013Apr 23, 2013Aug 8, 2013Oct 22, 2013Jan 22, 2014Apr 23, 2014Jul 28, 2014Oct 23, 2014Jan 21, 2015Apr 27, 2015Jul 27, 2015Oct 26, 2015Jan 21, 2016Apr 21, 2016Jul 22, 2016Oct 20, 2016Jan 23, 2017Apr 24, 2017Jul 21, 2017Oct 20, 2017Jan 25, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 24, 2019Apr 18, 2019Jul 23, 2019Oct 28, 2019Jan 23, 2020Apr 23, 2020Jul 27, 2020Oct 29, 2020Jan 28, 2021Apr 30, 2021Jul 26, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 25, 2022Nov 1, 2022Jan 26, 2023Apr 20, 2023Jul 27, 2023Oct 30, 2023Jan 25, 2024Apr 18, 2024Jul 18, 2024Oct 24, 2024Jan 23, 2025May 1, 2025Jul 24, 2025Oct 30, 2025Jan 29, 2026Apr 23, 2026Jul 23, 2026Oct 29, 2026
EPS Estimate---------------------------------------------------------------------------0.300.360.380.360.300.420.460.340.230.400.500.390.560.510.440.360.250.330.460.450.400.380.410.350.300.350.420.410.400.540.620.640.600.690.62
EPS Actual0.200.210.220.210.260.290.310.330.340.320.220.270.04-1.600.031.111.360.040.070.130.150.150.150.13-0.020.10-0.070.100.140.150.130.130.150.160.170.210.260.280.260.220.200.03-0.37-0.17-1.690.01-1.290.000.150.120.060.190.210.270.310.270.270.280.250.200.240.290.290.190.260.300.280.250.350.400.360.270.330.390.640.330.380.370.350.330.380.460.370.300.680.620.730.650.500.530.420.300.370.470.490.340.450.400.570.330.460.410.520.420.580.680.650.630.73-
Surprise---------------------------------------------------------------------------10.00%5.56%-2.63%-2.78%10.00%-9.52%0.00%8.82%30.43%70.00%24.00%87.18%16.07%-1.96%20.45%16.67%20.00%12.12%2.17%8.89%-15.00%18.42%-2.44%62.86%10.00%31.43%-2.38%26.83%5.00%7.41%9.68%1.56%5.00%5.80%-
Timing----------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap186.71M
Enterprise Value105.43M
Trailing P/E11.18
Forward P/E12.30
PEG Ratio0.00
Price / Sales2.76
Price / Book0.96
EPS2.67
Book Value23.46
Revenue (TTM)67.59M
Gross Profit (TTM)67.59M
Profit Margin24.79%
Operating Margin31.41%
Return on Equity11.95%
Return on Assets1.08%
Shares Outstanding6.25M
Shares Float5.17M
Beta0.19
Dividend Yield2.14%
Dividend Rate0.64
Payout Ratio23.42%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 29.00
  • Strong Buy
    1

Ownership Breakdown

Institutions
52.17%
Insiders
10.45%
Retail / Other
37.38%

Top Institutional Holders

  • Manufacturers Life Insurance Co
    470.50K7.52%
  • BlackRock Inc
    394.86K6.31%
  • Cutler Capital Management
    390.14K6.24%
  • Vanguard Capital Management, LLC
    297.73K4.76%
  • STRATEGIC VALUE BANK PARTNERS LLC
    243.63K3.89%
  • Dimensional Fund Advisors, Inc.
    202.63K3.24%
  • Pinnacle Holdings, LLC
    156.60K2.50%
  • Geode Capital Management, LLC
    139.08K2.22%
  • Truffle Hound Capital, LLC
    90.37K1.44%
  • The Goldman Sachs Group Inc
    85.55K1.37%
  • Bridgeway Capital Management, LLC
    81.51K1.30%
  • State Street Corp
    72.41K1.16%
  • Northern Trust Corp
    49.51K0.79%

Top Fund Holders

  • JH Financial Opportunities
    257.16K4.11%
  • JHancock Regional Bank A
    188.78K3.02%
  • Vanguard MStar Total Stk Mkt Idx Invest
    179.28K2.87%
  • Columbia Small Cap Value Discv A
    163.72K2.62%
  • BSF Systematic US Eq Abs Ret A2 USD
    95.37K1.52%
  • DFA US Small Cap Value I
    72.50K1.16%
  • EA Bridgeway Omni Small-Cap Value ETF
    48.84K0.78%

Dividends

20264×
0.17Nov 13, 20260.16Aug 14, 20260.16May 15, 20260.15Feb 13, 2026
20254×
0.15Nov 14, 20250.15Aug 15, 20250.15May 16, 20250.14Feb 14, 2025
20244×
0.14Nov 8, 20240.14Aug 9, 20240.14May 9, 20240.14Feb 8, 2024
20234×
0.14Nov 9, 20230.13Aug 10, 20230.13May 11, 20230.13Feb 9, 2023
20224×
0.13Nov 9, 20220.12Aug 11, 20220.12May 12, 20220.12Feb 10, 2022
20214×
0.11Nov 10, 20210.10Aug 12, 20210.10May 13, 20210.10Feb 11, 2021

Stock Splits

  • Jan 20, 202221:20
  • Sep 12, 200121:20
  • Sep 13, 200021:20
  • Jul 1, 19982:1
  • Dec 20, 199621:20