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SB Financial Group Inc (DE:9KH)
FRANKFURT:9KH

SB Financial Group (9KH) Price & Analysis

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9KH Stock Chart & Stats

€18.10
-€0.20(-0.98%)
At close: 4:00 PM EST
€18.10
-€0.20(-0.98%)

Bulls Say, Bears Say

Bulls Say
Sustained ProfitabilityA long track record of consecutive quarterly profitability and a TTM net margin near 17% indicate durable earnings generation. This consistency supports internal capital formation, dividend coverage, and credibility with regulators and counterparties, underpinning long-term franchise stability.
Improved Capital And LeverageMaterial moderation of leverage and equity growth improves financial flexibility and lowers solvency risk. Stronger capital ratios and rising tangible book value allow measured capital returns and strategic investment while reducing the likelihood of regulatory constraints during credit or market stress.
Diversifying Fee And Mortgage IncomeGrowing noninterest and mortgage contributions diversify revenue away from pure interest spread. Expanded mortgage, wealth and fee channels reduce sensitivity to NIM swings, help stabilize revenue, and support cross-sell opportunities that can sustainably lift fee margins and improve revenue mix over time.
Bears Say
Volatile Cash FlowSteep FCF decline and inconsistent operating cash flow undermine predictable internal funding for growth, buybacks, and dividends. This volatility can force reliance on deposits or wholesale funding, constraining strategic initiatives and reducing resilience to funding shocks over the medium term.
Elevated Efficiency RatioA still-elevated efficiency ratio signals that operating expense leverage remains limited. If revenue growth slows, profitability is vulnerable. Sustained improvement in efficiency is required to convert revenue gains into durable earnings expansion and to match productivity levels of higher-performing peers.
Mortgage And Deposit SensitivityDependence on mortgage volumes and local deposit trends creates structural earnings sensitivity. Mortgage volatility and potential deposit outflows or rising deposit costs compress NIM and fee income, limiting margin sustainability and making organic loan growth and capital deployment harder to plan reliably.

SB Financial Group News

9KH FAQ

What was SB Financial Group Inc’s price range in the past 12 months?
SB Financial Group Inc lowest stock price was €15.30 and its highest was €21.80 in the past 12 months.
    What is SB Financial Group Inc’s market cap?
    SB Financial Group Inc’s market cap is €139.04M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Jul 23, 2026 which is in 21 days.
        How were SB Financial Group Inc’s earnings last quarter?
        SB Financial Group Inc released its earnings results on Apr 23, 2026. The company reported €0.552 earnings per share for the quarter, beating the consensus estimate of €0.526 by €0.026.
          Is SB Financial Group Inc overvalued?
          According to Wall Street analysts SB Financial Group Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does SB Financial Group Inc pay dividends?
            SB Financial Group Inc does not currently pay dividends.
            What is SB Financial Group Inc’s EPS estimate?
            SB Financial Group Inc’s EPS estimate is 0.61.
              How many shares outstanding does SB Financial Group Inc have?
              SB Financial Group Inc has 6,275,117 shares outstanding.
                What happened to SB Financial Group Inc’s price movement after its last earnings report?
                SB Financial Group Inc reported an EPS of €0.552 in its last earnings report, beating expectations of €0.526. Following the earnings report the stock price went up 2.23%.
                  Which hedge fund is a major shareholder of SB Financial Group Inc?
                  Currently, no hedge funds are holding shares in DE:9KH
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    SB Financial Group Stock Smart Score

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                    Neutral
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                    Company Description

                    SB Financial Group Inc

                    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.

                    SB Financial Group (9KH) Earnings & Revenues

                    9KH Earnings Call

                    Q1 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call conveyed a generally positive tone driven by strong earnings, revenue growth, improved fee income, solid deposit gains, disciplined expense management, favorable credit metrics and successful integration of the Marblehead acquisition. Management acknowledged near-term headwinds including mortgage volume volatility, modest sequential loan growth, potential deposit cost pressure, an elevated OREO position from a foreclosure and capital deployment constraints (sub-debt call and slower buybacks). On balance, the positives—particularly the year-over-year revenue and earnings growth, robust reserve coverage and deposit/loan growth—outweigh the lowlights, though management remains cautious and focused on disciplined execution.View all DE:9KH earnings summaries
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