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%
Sb Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Sb Financial | Industry median |
|---|---|---|
| Market Cap | $183.43M | $679.86M |
| Enterprise Value | $52.01M | $408.94M |
| PE Ratio | 10.99 | 12.00 |
| PS Ratio | 2.68 | 3.61 |
| PB Ratio | 1.25 | 1.18 |
| P/TBV Ratio | 1.53 | 1.41 |
| P/FCF Ratio | 7.96 | 10.93 |
| P/OCF Ratio | 7.40 | 10.04 |
Enterprise value
| Measure | Sb Financial | Industry median |
|---|---|---|
| EV / Sales | 0.76 | 2.78 |
| EV / FCF | 2.26 | 8.25 |
Income (trailing twelve months)
| Measure | Sb Financial | Industry median |
|---|---|---|
| Revenue | $68.36M | $170.85M |
| Pretax Income | $20.73M | $70.12M |
| Net Income | $16.76M | $54.33M |
| EPS (Diluted) | $2.67 | $2.90 |
Margins
| Measure | Sb Financial | Industry median |
|---|---|---|
| Pretax Margin | 30.3% | 36.4% |
| Profit Margin | 24.5% | 29.1% |
| FCF Margin | 33.7% | 33.0% |
Returns
| Measure | Sb Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.0% | 10.5% |
| Return on Assets (ROA) | 1.08% | 1.12% |
Growth
| Measure | Sb Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.69% | 11.8% |
| Net Income Growth (YoY) | 39.7% | 23.1% |
| EPS Growth (YoY) | 45.9% | 22.7% |
| FCF Growth (YoY) | 118.9% | 27.1% |
| Revenue Growth (3Y CAGR) | 4.39% | 5.82% |
| Revenue Growth (5Y CAGR) | -0.29% | 6.17% |
| EPS Growth (3Y CAGR) | 7.36% | 1.26% |
| EPS Growth (5Y CAGR) | 2.24% | 8.24% |
Balance sheet
| Measure | Sb Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $138.15M | $205.54M |
| Total Debt | $6.73M | $177.19M |
| Net Cash (Debt) | $131.42M | $164.40M |
| Net Cash Per Share | $21.02 | $8.13 |
| Equity (Book Value) | $146.74M | $560.44M |
| Book Value Per Share | $23.47 | $28.47 |
| Tangible Book Value | $119.58M | $472.29M |
Financial position
| Measure | Sb Financial | Industry median |
|---|---|---|
| Debt / Equity | 0.05 | 0.20 |
| Debt / FCF | 0.29 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Sb Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $24.80M | $61.20M |
| Capital Expenditures | -$1.75M | -$4.02M |
| Free Cash Flow | $23.05M | $52.43M |
| FCF Per Share | $3.69 | $3.07 |
Efficiency
| Measure | Sb Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $277.90K | $353.78K |
| Profits Per Employee | $68.12K | $107.28K |
| Employee Count | 246 | 489 |
Dividends and yields
| Measure | Sb Financial | Industry median |
|---|---|---|
| Earnings Yield | 9.14% | 8.07% |
| FCF Yield | 12.6% | 8.89% |
| Dividend Yield | 2.05% | 2.48% |
| Buyback Yield | 2.16% | 1.55% |
| Shareholder Yield | 4.20% | 3.13% |
| Dividend Per Share | $0.60 | $0.93 |
| Dividend Growth (YoY) | 7.14% | 4.26% |
| Years of Dividend Growth | 3 | 2 |
| Payout Ratio | 23.3% | 29.4% |
| FCF Payout Ratio | 16.9% | 26.0% |
Shares
| Measure | Sb Financial | Industry median |
|---|---|---|
| Shares Outstanding | 6,252,990 | 18,839,100 |
| Shares Change (YoY) | -4.57% | 0.39% |
| Float | 5,871,420 | 17,061,900 |
| Shares Held by Insiders | 6.10% | 5.89% |
| Shares Held by Institutions | 51.3% | 61.9% |
Taxes
| Measure | Sb Financial | Industry median |
|---|---|---|
| Income Tax | $3.97M | $14.50M |
| Effective Tax Rate | 19.1% | 21.1% |
Scores
| Measure | Sb Financial | Industry median |
|---|---|---|
| Graham Number | $37.55 | $45.31 |
| Graham Upside | 28.0% | 21.6% |
| Altman Z-Score | 0.23 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Sb Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.