Want to see SBFG full AI Analyst Report?
SBFG Stock Chart & Stats
$27.66
$0.76(2.97%)
At close: 4:00 PM EDT
$27.66
$0.76(2.97%)
Day’s Range― - ―
52-Week Range$18.16 - $32.93
Previous Close$26.38
Volume26.29K
Average Volume (3M)13.55K
Market Cap
$184.65M
Enterprise Value$78.33M
Total Cash (Recent Filing)$317.18M
Total Debt (Recent Filing)$59.30M
Price to Earnings (P/E)11.0
Beta0.33
Next Earnings
Oct 22, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield2.13%
Share Statistics
EPS (TTM)2.68
Shares Outstanding6,252,992
10 Day Avg. Volume11,178
30 Day Avg. Volume13,551
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.00
Price to Sales (P/S)1.56
P/FCF Ratio6.62
Enterprise Value/Market Cap0.42
Enterprise Value/Revenue0.83
Enterprise Value/Gross Profit1.16
Enterprise Value/Ebitda3.10
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.56
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Loan And Deposit GrowthSustained expansion in both loans and deposits indicates the franchise is gaining customer relationships while funding asset growth. Nine consecutive quarters of loan growth and double-digit deposit growth can support recurring interest income and reinforce local-market presence over the next several quarters.
Asset Quality And CapitalVery low nonperforming assets, improving delinquencies, and substantial allowance coverage provide evidence of disciplined credit management. Combined with robust tangible common equity and regulatory capital, this supports resilience and preserves capacity to fund growth through changing credit conditions.
Cash GenerationStrong cash conversion gives SBFG internal funding capacity and reduces reliance on external capital to support operations, dividends, or balance-sheet growth. The 59.5% TTM free-cash-flow increase is particularly supportive, although historical variability means consistency should continue to be monitored.
Bears Say
Net Interest Margin PressureA modestly lower net interest margin directly pressures the bank’s core earnings engine because interest spreads drive most banking revenue. Competitive loan pricing, excess liquidity, and funding costs may limit margin expansion even as management targets stabilization around 3.45%–3.55%.
Mortgage Volume SensitivityLower mortgage originations and related revenue show that this fee stream remains vulnerable to borrowing conditions. Management’s rate-dependent outlook means mortgage earnings may stay uneven, limiting the durability of noninterest-income growth when market rates do not decline meaningfully.
Institutional Deposit TurnoverThe expected institutional deposit exit creates an identifiable funding transition even though management does not expect a material earnings impact. Replacing these balances may require continued deposit gathering and careful liquidity management, while relationship turnover can make funding growth less predictable.
SB Financial Group News
SBFG FAQ
What was SB Financial Group Inc’s price range in the past 12 months?
SB Financial Group Inc lowest stock price was $18.16 and its highest was $32.93 in the past 12 months.
What is SB Financial Group Inc’s market cap?
SB Financial Group Inc’s market cap is $184.65M.
When is SB Financial Group Inc’s upcoming earnings report date?
SB Financial Group Inc’s upcoming earnings report date is Oct 22, 2026 which is in 2 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 $0.73 earnings per share for the quarter, beating the consensus estimate of $0.69 by $0.04.
Is SB Financial Group Inc overvalued?
According to Wall Street analysts SB Financial Group Inc’s price is currently Overvalued.
Does SB Financial Group Inc pay dividends?
SB Financial Group Inc pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 2.13%. See more information on SB Financial Group Inc dividends here
What is SB Financial Group Inc’s EPS estimate?
SB Financial Group Inc’s EPS estimate is 0.62.
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 $0.73 in its last earnings report, beating expectations of $0.69. Following the earnings report the stock price went down -3.934%.
Which hedge fund is a major shareholder of SB Financial Group Inc?
Currently, no hedge funds are holding shares in SBFG
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
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
64.71%
12-Months-Change
Fundamentals
Return on Equity
11.79%
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.
SBFG 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 SBFG earnings summariesTechnical Analysis
BCB Bancorp
―
First Guaranty Bancshares
―
MainStreet Bancshares
―
ECB Bancorp, Inc.
―
BV Financial, Inc.
―
Ownership Overview
6.45% Insiders
13.98% Mutual Funds
2.89% Other Institutional Investors
68.32% Public Companies and
Individual Investors