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

Company Overview

SB Financial Group, Inc. (NASDAQ: SBFG) is the bank holding company for Star Financial Bank, a full-service community bank headquartered in Fort Wayne, Indiana. Through its wholly owned subsidiary, the company offers a broad portfolio of commercial and consumer banking products, including deposit accounts, lending solutions, mortgage origination and servicing, and cash management services.

In its commercial banking division, SB Financial Group provides working capital loans, equipment financing, commercial real estate lending and treasury management solutions designed for small- and mid-sized businesses. On the consumer side, the company delivers personal checking and savings accounts, mortgage and home equity loan options, as well as auto and personal installment lending to meet the diverse needs of individual customers.

Complementing its core banking activities, the company offers wealth management and trust services through a dedicated team of investment professionals. These services include investment advisory, retirement planning, fiduciary administration and estate planning support for high-net-worth individuals, families and institutions.

Founded in 1983, SB Financial Group has expanded its branch network across northeastern Indiana and northwestern Ohio through a combination of organic growth and strategic acquisitions. The company is guided by an experienced executive leadership team committed to community-focused banking and fostering economic development in the markets it serves.

Key Stats

• Today's Range: $21.50 to $22.40
• 50-Day Range: $19.98 to $22.80
• 52-Week Range: $17.10 to $23.93
• Volume: 21,326 shs
• Average Volume: 8,382 shs
• Market Capitalization: $135.65 million
• P/E Ratio: 8.44
• Dividend Yield: 2.96%
• Price Target: N/A
• Consensus Rating: Moderate Buy

SB Financial Group Stock Analysis - MarketRank™

SB Financial Group scored higher than 72% of companies evaluated by MarketBeat, and ranked 439th out of 878 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: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

SB Financial Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

SB Financial Group has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 1.98%

Earnings Growth

Earnings for SB Financial Group are expected to grow by 1.98% in the coming year, from $2.53 to $2.58 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SB Financial Group is 8.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of SB Financial Group is 8.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.00.

Price to Book Value per Share Ratio

SB Financial Group has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.49% 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 20.08, which indicates bearish sentiment.

Change versus previous month

Short interest in SB Financial Group has recently decreased by 8.25%, 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 2.96%, 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 25.00%. 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 24.81% next year. This indicates that SB Financial Group will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.96

News Sentiment

SB Financial Group has a news sentiment score of 0.96. 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 is a higher news sentiment than the 0.83 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for SB Financial Group this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.4 / 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 $993.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

5.95% 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.

Company Calendar

• Last Earnings: 4/23/2026
• Record date for 5/29 Dividend: 5/15/2026
• Ex-Dividend for 5/29 Dividend: 5/15/2026
• Dividend Payable: 5/29/2026
• Today: 5/31/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• 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: 1983

Profitability

• EPS (Trailing Twelve Months): $2.56
• Trailing P/E Ratio: 8.44
• Forward P/E Ratio: 8.54
• P/E Growth: N/A
• Net Income: $13.97 million
• Net Margins: 17.22%
• Pretax Margin: 21.32%
• Return on Equity: 11.52%
• Return on Assets: 1.04%

Debt

• Debt-to-Equity Ratio: 0.33
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $91.03 million
• Price / Sales: 1.49
• Cash Flow: $3.09 per share
• Price / Cash Flow: 7.00
• Book Value: $22.42 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 6,280,000
• Free Float: 5,902,000
• Market Cap: $135.65 million
• Optionable: Not Optionable
• Beta: 0.21