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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

€21.60
€0.40(1.79%)
At close: 4:00 PM EDT
€21.60
€0.40(1.79%)

Bulls Say, Bears Say

Bulls Say
Loan And Deposit GrowthSustained loan and deposit expansion indicates strengthening customer relationships and growing market presence. Continued balance-sheet growth can support recurring net interest income, while the deposit increase provides funding capacity for additional lending and future franchise development.
Strong Asset Quality And CapitalVery low nonperforming assets and substantial allowance coverage provide resilience against credit losses, while rising tangible book value and robust regulatory capital support lending capacity. This combination strengthens the bank’s ability to compound through varying credit conditions.
Positive Operating LeverageRevenue growing faster than expenses demonstrates improving operating leverage and cost discipline. A better efficiency ratio can support more durable pretax earnings, allowing SBFG to retain capital, invest in its franchise, and absorb moderate revenue variability.
Bears Say
Net Interest Margin PressureMargin compression directly pressures the largest earnings engine of a community bank. Competitive loan pricing, excess liquidity, and higher funding costs could limit net interest income growth, even if loan balances continue expanding over the coming quarters.
Mortgage Volume SensitivityLower originations and rate-dependent mortgage demand create a structural source of earnings variability in mortgage banking. If rates do not decline meaningfully, weaker production could reduce fee revenue and limit the contribution from this diversified business line.
Deposit Relationship TurnoverThe expected institutional deposit outflow creates an ongoing funding-management challenge, even if management does not expect a material earnings effect. Replacing those balances may require higher-cost funding or constrain liquidity available for loan growth.

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 €23.60 in the past 12 months.
    What is SB Financial Group Inc’s market cap?
    SB Financial Group Inc’s market cap is €161.45M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Nov 04, 2026 which is in 58 days.
        How were SB Financial Group Inc’s earnings last quarter?
        SB Financial Group Inc released its earnings results on Jul 23, 2026. The company reported €0.629 earnings per share for the quarter, beating the consensus estimate of €0.594 by €0.034.
          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 0.53.
              How many shares outstanding does SB Financial Group Inc have?
              SB Financial Group Inc has 6,252,992 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 €0.629 in its last earnings report, beating expectations of €0.594. Following the earnings report the stock price went up 1.787%.
                  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

                    4
                    Neutral
                    1
                    2
                    3
                    4
                    5
                    6
                    7
                    8
                    9
                    10

                    Technicals

                    SMA
                    Positive
                    20 days / 200 days
                    Momentum
                    39.95%
                    12-Months-Change

                    Fundamentals

                    Return on Equity
                    2.27%
                    Trailing 12-Months
                    Asset Growth
                    9.00%
                    Trailing 12-Months
                    Learn more about TipRanks Smart Score

                    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

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call presented multiple constructive operating and balance-sheet trends: solid loan and deposit growth, improved tangible book value and capital, diversified fee revenue, positive operating leverage, and strong asset quality. The principal negatives were GAAP EPS compression driven by MSR-related accounting items, lower mortgage originations versus the prior year, modest margin compression and some deposit relationship turnover risk. On balance, the positive operating fundamentals, capital strength, and improving credit metrics outweigh the transitory/market-driven negatives.View all DE:9KH earnings summaries
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