SB Financial Group (SBFG) Stock Price, News & Analysis

Company Overview

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.

Key Stats

• Today's Range: $19.02 to $19.88
• 50-Day Range: $17.74 to $21.36
• 52-Week Range: $13.20 to $24.48
• Volume: 21,700 shs
• Average Volume: 15,814 shs
• Market Capitalization: $128.60 million
• P/E Ratio: 11.45
• Dividend Yield: 3.05%
• Price Target: N/A
• Consensus Rating: N/A

SB Financial Group Stock Analysis - MarketRank™

SB Financial Group scored higher than 90% of companies evaluated by MarketBeat, and ranked 117th out of 931 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for SB Financial Group.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.00%

Earnings Growth

Earnings for SB Financial Group are expected to grow by 9.00% in the coming year, from $2.00 to $2.18 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SB Financial Group is 11.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.80.

Price to Earnings Ratio vs. Sector

The P/E ratio of SB Financial Group is 11.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.57.

Price to Book Value per Share Ratio

SB Financial Group has a P/B Ratio of 1.08. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.20% of the float of SB Financial Group has been sold short.

Short Interest Ratio / Days to Cover

SB Financial Group has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SB Financial Group has recently decreased by 15.11%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

SB Financial Group pays a meaningful dividend of 3.08%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

SB Financial Group has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of SB Financial Group is 35.29%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, SB Financial Group will have a dividend payout ratio of 27.52% next year. This indicates that SB Financial Group will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.9 / 5
• Environmental Score: -0.58

Percentage of Shares Shorted

0.20% of the float of SB Financial Group has been sold short.

Short Interest Ratio / Days to Cover

SB Financial Group has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SB Financial Group has recently decreased by 15.11%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.10

News Sentiment

SB Financial Group has a news sentiment score of 1.10. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for SB Financial Group this week, compared to 1 article on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, SB Financial Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $6,810.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 5.71% of the stock of SB Financial Group is held by insiders.

Percentage Held by Institutions

66.67% of the stock of SB Financial Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

SBFG Stock Analysis - Frequently Asked Questions

How have SBFG shares performed this year?

SB Financial Group's stock was trading at $20.91 at the beginning of the year. Since then, SBFG shares have decreased by 5.8% and is now trading at $19.69.
View the best growth stocks for 2025 here.

How were SB Financial Group's earnings last quarter?

SB Financial Group, Inc. (NASDAQ:SBFG) released its earnings results on Thursday, May, 1st. The financial services provider reported $0.42 earnings per share for the quarter, beating analysts' consensus estimates of $0.40 by $0.02. The financial services provider earned $15.39 million during the quarter, compared to analyst estimates of $11.30 million. SB Financial Group had a trailing twelve-month return on equity of 8.98% and a net margin of 14.10%.
Read the conference call transcript.

Who are SB Financial Group's major shareholders?

Top institutional investors of SB Financial Group include Petiole USA ltd (2.70%), Empowered Funds LLC (0.65%), Jane Street Group LLC (0.34%) and Goldman Sachs Group Inc. (0.26%). Insiders that own company stock include Mark A Klein, Anthony Van Cosentino, Richard L Hardgrove, Timothy J Stolly, William G Martin, Timothy L Claxton, Steven A Walz, George W Carter and David A Homoelle.
View institutional ownership trends.

How do I buy shares of SB Financial Group?

Shares of SBFG stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of SB Financial Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that SB Financial Group investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), AUO (AUOTY), DiamondRock Hospitality (DRH), Voyager Therapeutics (VYGR) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Record date for 2/28 Dividend: 2/14/2025
• Ex-Dividend for 2/28 Dividend: 2/14/2025
• Dividend Payable: 2/28/2025
• Last Earnings: 5/01/2025
• Record date for 5/30 Dividend: 5/16/2025
• Ex-Dividend for 5/30 Dividend: 5/16/2025
• Today: 5/28/2025
• Dividend Payable: 5/30/2025
• Next Earnings (Estimated): 7/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SBFG
• Previous Symbol: NASDAQ:RBNF
• CIK: 767405
• Web: www.yoursbfinancial.com
• Phone: (419) 783-8950
• Fax: 419-782-6393
• Employees: 270
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.70
• Trailing P/E Ratio: 11.45
• Forward P/E Ratio: 9.85
• P/E Growth: N/A
• Net Income: $11.47 million
• Net Margins: 14.10%
• Pretax Margin: 17.55%
• Return on Equity: 8.98%
• Return on Assets: 0.84%

Debt

• Debt-to-Equity Ratio: 0.41
• Current Ratio: 0.92
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $59.19 million
• Price / Sales: 2.17
• Cash Flow: $2.07 per share
• Price / Cash Flow: 9.50
• Book Value: $18.28 per share
• Price / Book: 1.08

Miscellaneous

• Outstanding Shares: 6,531,000
• Free Float: 6,381,000
• Market Cap: $128.60 million
• Optionable: Not Optionable
• Beta: 0.29