Stock Scorecard
Stock Summary for SB Financial Group Inc (SBFG) - $22.34 as of 5/12/2026 7:24:52 AM EST
Total Score
21 out of 30
Safety Score
57 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for SBFG
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SBFG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SBFG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SBFG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SBFG (57 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SBFG
Financial Details for SBFG
Company Overview |
|
|---|---|
| Ticker | SBFG |
| Company Name | SB Financial Group Inc |
| Country | USA |
| Description | SB Financial Group, Inc. offers a range of commercial banking and wealth management services to individual and corporate clients primarily in Ohio, Indiana and Michigan. The company is headquartered in Defiance, Ohio. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/23/2026 |
Stock Price History |
|
| Last Day Price | 22.34 |
| Price 4 Years Ago | 15.19 |
| Last Day Price Updated | 5/12/2026 7:24:52 AM EST |
| Last Day Volume | 6,633 |
| Average Daily Volume | 9,112 |
| 52-Week High | 23.75 |
| 52-Week Low | 16.73 |
| Last Price to 52 Week Low | 33.53% |
Valuation Measures |
|
| Trailing PE | 8.76 |
| Industry PE | 13.43 |
| Sector PE | 20.66 |
| 5-Year Average PE | 14.40 |
| Free Cash Flow Ratio | 1.11 |
| Industry Free Cash Flow Ratio | 15.19 |
| Sector Free Cash Flow Ratio | 64.38 |
| Current Ratio Most Recent Quarter | 13.97 |
| Total Cash Per Share | 20.13 |
| Book Value Per Share Most Recent Quarter | 23.10 |
| Price to Book Ratio | 0.97 |
| Industry Price to Book Ratio | 1.23 |
| Sector Price to Book Ratio | 2.02 |
| Price to Sales Ratio Twelve Trailing Months | 2.11 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.44 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.35 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 6,275,100 |
| Market Capitalization | 140,185,734 |
| Institutional Ownership | 54.56% |
Dividends |
|
| Ex-Dividend Date | 5/15/2026 |
| Previous Dividend Amount | 0.1550 |
| Current Dividend Amount | 0.1600 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.61 |
| Trailing Annual Dividend Yield | 2.83% |
| Forward Annual Dividend Rate | 0.64 |
| Forward Annual Dividend Yield | 2.97% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 2.71% |
| 5-Year Average Dividend Yield | 3.07% |
| 1-Year Dividend Growth Rate Percentage | 6.67% |
| 3-Year Dividend Growth Rate Percentage | 3.28% |
| 5-Year Dividend Growth Rate Percentage | 7.46% |
| All-Time Dividend Growth Rate Percentage | 3.94% |
| Dividend Payout Ratio | 28.11% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 109.00% |
| Annual Earnings Growth | 21.83% |
| Reported EPS 12 Trailing Months | 2.55 |
| Reported EPS Past Year | 0.63 |
| Reported EPS Prior Year | 2.33 |
| Net Income Twelve Trailing Months | 16,112,000 |
| Net Income Past Year | 13,974,000 |
| Net Income Prior Year | 11,470,000 |
| Quarterly Revenue Growth YOY | 11.80% |
| 5-Year Revenue Growth | 4.59% |
| Operating Margin Twelve Trailing Months | 28.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 126,293,000 |
| Total Cash Past Year | 72,683,000 |
| Total Cash Prior Year | 27,493,000 |
| Net Cash Position Most Recent Quarter | 71,554,000 |
| Net Cash Position Past Year | 17,944,000 |
| Long Term Debt Past Year | 54,739,000 |
| Long Term Debt Prior Year | 54,690,000 |
| Total Debt Most Recent Quarter | 54,739,000 |
| Equity to Debt Ratio Past Year | 0.72 |
| Equity to Debt Ratio Most Recent Quarter | 0.72 |
| Total Stockholder Equity Past Year | 141,236,000 |
| Total Stockholder Equity Prior Year | 127,508,000 |
| Total Stockholder Equity Most Recent Quarter | 143,655,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 12,432,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.98 |
| Free Cash Flow Past Year | 21,437,000 |
| Free Cash Flow Prior Year | 8,222,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.20 |
| MACD Signal | 0.19 |
| 20-Day Bollinger Lower Band | 19.70 |
| 20-Day Bollinger Middle Band | 21.42 |
| 20-Day Bollinger Upper Band | 23.14 |
| Beta | 0.19 |
| RSI | 0.00 |
| 50-Day SMA | 17.25 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 16.49 |
System |
|
| Modified | 5/12/2026 7:25:39 AM EST |