SBFGNasdaqState Commercial BanksFiscal year ends December 31
SB FINANCIAL GROUP, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$29.34−0.20 (-0.66%)
Close on Oct 19, 2026
- Market cap
- $182.46M
- P/E (TTM)
- 11.0
- Dividend yield
- 2.05%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
21.3%−1.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +15.1% | +4.4% | -0.3% | +5.3% | |
| Net income | +21.8% | +3.7% | -1.3% | +6.3% | |
| EPS, diluted | +27.3% | +7.4% | +2.2% | +6.3% | |
| Free cash flow | +160.7% | -3.3% | -0.5% | +31.2% | |
| Dividend per share | +7.1% | +7.7% | +8.4% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.5% | 10.7% | 10.4% | |
| Return on assets | 1.1% | 1.3% | 1.0% | |
| Debt to equity | – | – | – | |
| Capex to revenue | 3.7% | 3.0% | 4.0% | |
| Diluted shares | 0M | 8M | 6M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Sb Financial generated $90.31M from operations and spent $56.21M on capital expenditure, dividends and share buybacks. 16% of that went back into the business.
Generated
$90.31M
Used
$56.21M
Capital expenditure$9.11M16%Dividends$17.76M32%Share buybacks$29.35M52%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin21.3%
×Asset turnover0.04×
×Equity multiplier10.88×
=Return on equity, FY202510.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 21.3% | 0.04× | 10.88× | 10.4% |
| FY2024 | 20.1% | 0.04× | 10.81× | 9.1% |
| FY2023 | 21.2% | 0.04× | 11.03× | 10.0% |
| FY2022 | 21.7% | 0.04× | 10.12× | 9.5% |
| FY2020 | 22.5% | 0.06× | 8.23× | 10.7% |
| FY2019 | 22.0% | 0.05× | 7.60× | 9.0% |
| FY2018 | 23.3% | 0.05× | 8.30× | 10.4% |
| FY2017 | 24.3% | 0.05× | 9.37× | 12.3% |
| FY2016 | 20.1% | 0.06× | 9.23× | 10.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$13.97M
- Cash generatingOperating cash flow above zero$24.04M
- Return on assets improvedROA up on the prior year0.9% → 1.0%
- Earnings backed by cashOperating cash flow above net income$24.04M vs $13.97M
- Less leverageLong-term debt to assets fell1.4% → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise7M → 6M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05