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SB Financial Group (SBFG) Financials

SB Financial Group logo
$26.27 0.00 (0.00%)
Closing price 07/10/2026 04:00 PM Eastern
Extended Trading
$26.32 +0.05 (+0.17%)
As of 07/10/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for SB Financial Group

Annual Income Statements for SB Financial Group

This table shows SB Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.66 7.81 10 11 11 15 18 13 11 11 14
Consolidated Net Income / (Loss)		 7.62 8.78 11 12 12 15 18 13 12 11 14
Net Income / (Loss) Continuing Operations		 7.62 8.78 11 12 12 15 18 13 11 11 14
Total Pre-Tax Income 		11 13 14 14 15 18 23 15 15 14 17
Total Revenue		 39 44 46 50 53 66 69 58 57 57 66
Net Interest Income / (Expense)		 23 26 28 33 35 36 38 39 39 40 48
Total Interest Income		 26 29 32 39 44 43 42 45 58 64 74
Loans and Leases Interest Income		 24 27 30 36 41 40 38 38 52 57 65
Investment Securities Interest Income		 2.20 2.13 2.60 3.06 3.57 2.66 3.74 5.37 5.42 5.02 4.64
Other Interest Income		 - - - - - - - 0.62 0.85 1.97 3.84
Total Interest Expense		 2.58 3.20 4.09 6.21 9.57 6.71 4.02 5.17 19 24 25
Deposits Interest Expense		 1.98 2.58 3.46 5.31 8.66 6.07 3.13 3.48 15 21 22
Short-Term Borrowings Interest Expense		 0.38 0.35 0.32 0.46 0.40 0.31 0.19 0.52 2.60 1.72 1.47
Long-Term Debt Interest Expense		 - - - - - 0.00 0.46 0.78 0.78 0.78 0.78
Federal Funds Purchased and Securities Sold Interest Expense		 0.23 0.27 0.32 0.44 0.51 0.33 0.24 0.40 0.79 0.89 0.73
Total Non-Interest Income		 16 18 17 17 18 30 31 18 18 17 17
Trust Fees by Commissions		 - - 2.78 2.87 3.09 3.25 3.81 3.73 3.53 3.51 3.54
Other Service Charges		 8.48 8.30 5.91 5.55 3.93 -0.87 7.38 7.41 7.06 7.16 6.37
Net Realized & Unrealized Capital Gains on Investments		 7.23 9.59 8.53 8.21 9.87 26 17 4.86 5.49 4.71 5.16
Other Non-Interest Income		 - - - - 1.12 1.91 2.09 2.23 1.64 1.64 2.05
Provision for Credit Losses		 1.10 0.75 0.40 0.60 0.80 4.50 1.05 0.00 1.00 -0.32 1.27
Total Non-Interest Expense		 27 30 32 35 37 43 45 42 42 43 47
Salaries and Employee Benefits		 15 17 19 21 22 25 27 25 23 24 26
Net Occupancy & Equipment Expense		 5.23 6.14 6.58 7.10 7.40 9.13 8.91 9.12 9.83 10 12
Marketing Expense		 0.59 0.65 0.73 0.88 0.90 0.66 0.78 0.91 0.78 0.82 0.65
Other Operating Expenses		 6.19 5.88 5.62 6.25 7.05 7.90 8.28 7.19 7.94 8.07 8.82
Income Tax Expense		 3.40 4.12 2.56 2.81 2.66 3.50 4.45 2.80 2.62 2.39 3.28
Basic Earnings per Share		 $1.36 $1.60 $2.10 $1.72 $1.71 $1.96 $2.58 $1.79 $1.77 $1.72 $2.19
Diluted Earnings per Share		 $1.19 $1.38 $1.74 $1.51 $1.51 $1.96 $2.56 $1.77 $1.75 $1.72 $2.19
Cash Dividends to Common per Share		 - - - $0.65 $0.65 $0.40 - $0.48 $0.52 $0.56 $0.60

Quarterly Income Statements for SB Financial Group

This table shows SB Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.69 3.26 2.45 3.16 2.35 3.94 2.16 3.85 4.05 3.92 4.30
Consolidated Net Income / (Loss)		 2.69 3.88 2.37 3.11 2.35 3.64 2.16 3.85 4.05 3.92 4.30
Net Income / (Loss) Continuing Operations		 2.69 3.26 2.45 3.16 2.35 3.94 2.16 3.85 4.05 3.92 4.30
Total Pre-Tax Income 		3.22 4.82 2.85 3.37 3.11 4.53 2.59 4.73 4.96 4.98 5.28
Total Revenue		 14 15 13 14 14 15 15 17 17 16 17
Net Interest Income / (Expense)		 9.54 9.58 9.18 9.66 10 11 11 12 12 13 13
Total Interest Income		 15 15 15 16 17 17 17 18 19 19 19
Loans and Leases Interest Income		 13 14 14 14 15 15 15 16 17 17 17
Investment Securities Interest Income		 1.33 1.31 1.31 1.26 1.23 1.21 1.21 1.17 1.13 1.13 1.07
Other Interest Income		 0.21 0.25 0.32 0.38 0.68 0.59 0.81 1.12 1.11 0.80 0.90
Total Interest Expense		 5.26 5.54 6.12 6.00 6.36 5.95 6.09 6.34 6.48 6.56 6.60
Deposits Interest Expense		 4.19 4.40 5.09 5.21 5.57 5.17 5.35 5.60 5.72 5.82 5.96
Short-Term Borrowings Interest Expense		 0.67 0.72 0.61 0.37 0.37 0.37 0.36 0.37 0.37 0.37 0.29
Long-Term Debt Interest Expense		 0.20 0.19 0.20 0.19 0.20 0.19 0.20 0.19 0.20 0.19 0.20
Federal Funds Purchased and Securities Sold Interest Expense		 0.21 0.23 0.22 0.22 0.23 0.22 0.18 0.18 0.19 0.18 0.16
Total Non-Interest Income		 4.16 5.53 3.95 4.39 4.12 4.56 4.11 5.05 4.24 3.71 4.71
Other Service Charges		 1.68 1.00 2.03 1.75 2.11 1.28 1.98 2.82 2.36 -0.80 3.10
Net Realized & Unrealized Capital Gains on Investments		 1.22 2.38 0.79 1.38 1.53 1.01 0.86 1.65 1.34 1.31 1.13
Other Non-Interest Income		 0.43 0.38 0.27 0.41 0.49 0.48 0.40 0.58 0.54 0.53 0.49
Provision for Credit Losses		 -0.01 0.32 -0.09 -0.05 -0.31 0.12 0.37 0.30 0.30 0.30 0.21
Total Non-Interest Expense		 10 10 10 11 11 11 12 12 11 11 12
Salaries and Employee Benefits		 5.63 5.80 5.53 6.17 6.29 6.35 6.41 6.77 6.45 6.21 6.28
Net Occupancy & Equipment Expense		 2.48 2.45 2.62 2.49 2.53 2.65 3.40 2.80 2.71 2.77 2.85
Marketing Expense		 0.19 0.18 0.20 0.18 0.24 0.21 0.17 0.19 0.17 0.12 0.28
Other Operating Expenses		 2.18 2.17 1.94 1.83 2.45 1.29 2.43 2.39 1.98 2.03 2.52
Income Tax Expense		 0.54 0.94 0.48 0.26 0.75 0.89 0.43 0.88 0.91 1.07 0.99
Basic Earnings per Share		 $0.40 $0.57 $0.35 $0.47 $0.35 $0.55 $0.33 $0.60 $0.64 $0.62 $0.69
Weighted Average Basic Shares Outstanding		 6.79M 6.79M 6.72M 6.69M 6.66M 0.00 6.48M 6.45M 6.30M 0.00 6.23M
Diluted Earnings per Share		 $0.39 $0.57 $0.35 $0.47 $0.35 $0.55 $0.33 $0.60 $0.64 $0.62 $0.69
Weighted Average Diluted Shares Outstanding		 6.88M 6.79M 6.72M 6.70M 6.68M 0.00 6.50M 6.46M 6.31M 0.00 6.24M
Cash Dividends to Common per Share		 $0.13 $0.14 $0.14 $0.14 $0.14 $0.15 $0.15 $0.15 $0.15 $0.15 $0.16

Annual Cash Flow Statements for SB Financial Group

This table details how cash moves in and out of SB Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -7.74 -3.45 9.60 22 -21 114 8.82 -122 -4.85 2.96 46
Net Cash From Operating Activities		 8.62 14 9.80 14 19 24 17 26 14 9.45 24
Net Cash From Continuing Operating Activities		 8.62 14 9.80 8.14 19 24 17 26 14 9.45 24
Net Income / (Loss) Continuing Operations		 7.62 8.78 11 12 12 15 18 13 12 11 14
Consolidated Net Income / (Loss)		 7.62 8.78 11 12 12 15 18 13 12 11 14
Provision For Loan Losses		 1.10 0.75 0.40 0.60 0.80 4.50 1.05 0.00 0.32 0.12 1.31
Depreciation Expense		 1.10 1.51 1.57 1.69 1.88 1.94 2.26 2.20 2.24 2.15 2.20
Amortization Expense		 2.06 2.27 1.69 1.60 2.45 5.45 5.19 2.72 1.85 1.89 2.46
Non-Cash Adjustments to Reconcile Net Income		 -3.31 0.89 -3.81 -3.01 -4.96 -3.64 -5.67 5.46 -1.10 -3.89 3.26
Changes in Operating Assets and Liabilities, net		 0.05 -0.17 -1.11 1.33 6.68 0.71 -3.86 2.68 -1.41 -2.30 0.84
Net Cash From Investing Activities		 -55 -91 -50 -88 -68 -57 -72 -166 -17 -29 -68
Net Cash From Continuing Investing Activities		 -55 -91 -50 -88 -68 -57 -72 -166 -17 -29 -68
Purchase of Investment Securities		 -76 -112 -88 -108 -109 -148 -125 -204 -42 -52 -124
Sale and/or Maturity of Investments		 20 22 38 20 42 90 54 38 25 23 56
Net Cash From Financing Activities		 38 73 49 95 27 147 64 18 -1.45 22 90
Net Cash From Continuing Financing Activities		 38 73 49 95 27 147 44 18 -1.45 22 90
Net Change in Deposits		 36 87 57 73 38 158 64 -26 -16 82 102
Issuance of Debt		 9.00 5.50 5.00 13 - 0.00 0.00 232 811 133 0.00
Repayment of Debt		 -4.00 -14 -13 -16 0.00 -8.00 -7.37 -178 -787 -182 -1.00
Repurchase of Common Equity		 -0.00 -1.17 -1.79 -0.11 -5.05 -7.17 -9.52 -5.90 -3.47 -4.77 -5.69
Payment of Dividends		 -1.94 -2.16 -2.34 -3.07 -3.28 -3.07 -3.14 -3.42 -3.58 -3.77 -3.85
Other Financing Activities, Net		 -0.33 -1.87 4.55 0.10 -2.24 7.24 - -0.40 -1.54 -2.80 -1.36
Cash Interest Paid		 2.58 3.05 3.91 5.90 - 7.28 4.34 - 17 25 26
Cash Income Taxes Paid		 2.06 3.97 3.11 1.87 3.08 5.18 4.23 4.70 0.00 0.42 2.05

Quarterly Cash Flow Statements for SB Financial Group

This table details how cash moves in and out of SB Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -1.94 3.92 3.64 -4.62 27 -23 79 -26 5.56 -13 55
Net Cash From Operating Activities		 8.13 6.77 0.31 -0.43 3.62 5.96 6.70 -3.63 13 8.27 -3.00
Net Cash From Continuing Operating Activities		 8.13 6.77 0.31 -0.43 3.62 5.96 6.70 -3.63 13 8.27 -3.00
Net Income / (Loss) Continuing Operations		 2.69 3.88 2.37 3.11 2.35 3.64 2.16 3.85 4.05 3.92 4.30
Consolidated Net Income / (Loss)		 2.69 3.88 2.37 3.11 2.35 3.64 2.16 3.85 4.05 3.92 4.30
Provision For Loan Losses		 -0.01 -0.07 0.00 - 0.20 -0.08 0.39 0.60 0.12 0.20 0.21
Depreciation Expense		 0.57 0.56 0.55 0.52 0.53 0.54 0.54 0.55 0.55 0.56 0.58
Amortization Expense		 0.49 0.43 0.42 0.47 0.52 0.49 0.50 0.59 0.63 0.74 0.69
Non-Cash Adjustments to Reconcile Net Income		 2.10 0.90 -2.60 -3.61 -1.29 3.61 2.25 -9.27 7.81 2.46 -6.30
Changes in Operating Assets and Liabilities, net		 2.30 1.08 -0.43 -0.93 1.31 -2.24 0.86 0.06 -0.47 0.39 -2.48
Net Cash From Investing Activities		 3.67 -7.05 12 -7.97 -19 -14 9.17 -1.95 -12 -63 2.12
Net Cash From Continuing Investing Activities		 3.67 -7.05 12 -7.97 -19 -14 9.17 -1.95 -12 -63 2.12
Purchase of Investment Securities		 -3.94 -12 7.37 -15 -24 -20 -27 -7.37 -18 -71 -3.38
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 - - - 0.05
Sale and/or Maturity of Investments		 7.61 4.98 4.33 7.33 5.47 5.45 36 5.42 5.82 8.11 5.45
Net Cash From Financing Activities		 -14 4.19 -8.37 3.79 42 -15 63 -20 5.08 41 56
Net Cash From Continuing Financing Activities		 -14 4.19 -8.37 3.79 42 -15 63 -20 5.08 41 56
Net Change in Deposits		 14 -15 42 2.85 44 -6.93 66 -21 13 45 65
Repayment of Debt		 -312 -159 -159 -18 -5.00 - -1.00 - - - -7.50
Repurchase of Common Equity		 -0.61 -0.74 -0.52 -0.37 -1.13 -2.74 -0.71 -2.32 -2.01 -0.65 -0.68
Payment of Dividends		 -0.89 -0.92 -0.92 -0.95 -0.94 -0.96 -0.95 -0.98 -0.95 -0.98 -0.98
Other Financing Activities, Net		 -4.60 -3.13 -0.47 2.26 0.06 -4.66 0.47 4.58 -4.66 -1.75 0.20
Other Net Changes in Cash		 - - 0.00 - - - - - - - 0.00
Cash Interest Paid		 - - 5.79 5.82 5.93 - 6.26 6.08 6.96 6.28 6.50

Annual Balance Sheets for SB Financial Group

This table presents SB Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 733 816 877 987 1,039 1,258 1,331 1,336 1,343 1,380 1,545
Cash and Due from Banks		 20 17 27 48 27 141 150 28 23 26 72
Interest Bearing Deposits at Other Banks		 - - - - 0.00 5.82 2.64 2.13 1.54 1.57 1.14
Trading Account Securities		 97 95 87 95 108 157 271 239 220 202 189
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 860 809 948 984 1,032 1,164
Loans and Leases		 - - - - - 873 823 962 1,000 1,047 1,181
Allowance for Loan and Lease Losses		 - - - - - 13 14 14 16 15 16
Loans Held for Sale		 - - - - - - - 2.07 2.53 6.77 1.76
Premises and Equipment, Net		 19 19 21 22 23 24 23 23 21 20 22
Mortgage Servicing Rights		 7.15 8.42 9.91 11 11 7.76 12 14 14 15 15
Goodwill		 - - - - - - - 23 23 23 27
Other Assets		 573 660 716 793 851 41 41 57 54 53 54
Total Liabilities & Shareholders' Equity		 733 816 877 987 1,039 1,258 1,331 1,336 1,343 1,380 1,545
Total Liabilities		 652 729 783 856 902 1,115 1,186 1,217 1,219 1,252 1,404
Non-Interest Bearing Deposits		 113 125 136 145 158 252 247 257 229 232 254
Interest Bearing Deposits		 473 548 594 658 682 797 866 830 841 920 1,053
Federal Funds Purchased and Securities Sold		 12 11 15 15 13 20 15 15 13 11 9.23
Accrued Interest Payable		 0.26 0.41 0.59 0.91 1.19 0.62 0.30 0.77 2.44 2.35 2.46
Long-Term Debt		 45 37 29 26 26 18 35 90 114 65 65
Other Long-Term Liabilities		 7.40 8.63 8.54 11 22 27 22 25 19 21 20
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 81 87 94 130 136 143 145 118 124 128 141
Total Preferred & Common Equity		 81 87 94 130 136 143 145 118 124 128 141
Preferred Stock		 14 14 14 14 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 67 73 80 116 136 143 145 118 124 128 141
Common Stock		 28 28 28 56 69 69 69 76 76 77 76
Retained Earnings		 40 47 55 64 73 85 100 102 108 116 126
Treasury Stock		 -1.46 -2.11 -3.26 -2.72 -6.76 -13 -22 -28 -31 -35 -40
Accumulated Other Comprehensive Income / (Loss)		 0.65 0.05 -0.14 -0.55 0.66 2.21 -1.85 -32 -30 -30 -21

Quarterly Balance Sheets for SB Financial Group

This table presents SB Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,326 1,336 1,342 1,394 1,501 1,486 1,496 1,605
Cash and Due from Banks		 19 27 22 49 105 79 85 126
Interest Bearing Deposits at Other Banks		 1.18 2.42 2.42 1.71 1.57 1.57 2.03 1.97
Trading Account Securities		 213 213 208 212 200 196 193 184
Loans and Leases, Net of Allowance		 973 976 990 1,015 1,073 1,079 1,095 1,165
Loans and Leases		 989 992 1,005 1,030 1,088 1,095 1,111 1,181
Allowance for Loan and Lease Losses		 16 16 16 15 15 16 16 16
Loans Held for Sale		 3.21 4.73 7.86 8.93 4.29 13 4.74 7.20
Premises and Equipment, Net		 22 21 21 21 22 22 22 21
Mortgage Servicing Rights		 14 14 15 14 15 15 15 16
Goodwill		 23 23 23 23 27 27 27 27
Other Assets		 58 55 54 49 53 53 52 57
Total Liabilities & Shareholders' Equity		 1,326 1,336 1,342 1,394 1,501 1,486 1,496 1,605
Total Liabilities		 1,214 1,212 1,217 1,261 1,369 1,353 1,359 1,461
Non-Interest Bearing Deposits		 224 219 208 222 240 241 247 248
Interest Bearing Deposits		 861 893 907 937 1,031 1,009 1,016 1,124
Federal Funds Purchased and Securities Sold		 17 13 15 15 11 16 11 9.43
Accrued Interest Payable		 2.22 2.77 2.94 3.37 2.63 2.26 2.74 2.55
Long-Term Debt		 89 65 65 65 65 65 65 58
Other Long-Term Liabilities		 21 19 18 18 20 20 18 20
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 112 124 125 133 132 134 137 144
Total Preferred & Common Equity		 112 124 125 133 132 134 137 144
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 112 124 125 133 132 134 137 144
Common Stock		 76 76 77 76 76 76 76 76
Retained Earnings		 106 110 112 114 117 120 123 130
Treasury Stock		 -30 -31 -31 -32 -35 -38 -39 -40
Accumulated Other Comprehensive Income / (Loss)		 -40 -32 -32 -25 -27 -25 -23 -22

Annual Metrics And Ratios for SB Financial Group

This table displays calculated financial ratios and metrics derived from SB Financial Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 4,917,289.00 4,852,551.00 4,787,796.00 6,503,250.00 6,401,342.00 7,546,804.00 6,956,333.00 7,001,339.00 6,801,921.00 - 6,801,921.00
DEI Adjusted Shares Outstanding		 4,917,289.00 4,852,551.00 4,787,796.00 6,503,250.00 6,401,342.00 7,546,804.00 6,956,333.00 7,001,339.00 6,801,921.00 - 6,801,921.00
DEI Earnings Per Adjusted Shares Outstanding		 1.55 1.81 2.31 1.79 1.87 1.98 2.63 1.79 1.78 - 2.05
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 15.69% 12.02% 4.25% 9.40% 5.91% 24.95% 3.87% -15.97% -1.10% -0.10% 15.14%
EBITDA Growth		 39.51% 17.65% 1.21% 5.04% 6.92% 36.23% 16.84% -32.97% -10.43% 1.23% 19.64%
EBIT Growth		 50.01% 17.04% 5.61% 6.01% 1.30% 26.02% 23.23% -32.60% -8.40% 1.90% 20.92%
NOPAT Growth		 44.77% 15.29% 25.97% 5.18% 2.88% 24.81% 22.30% -31.49% -3.40% -5.17% 21.83%
Net Income Growth		 44.77% 15.29% 25.97% 5.18% 2.88% 24.81% 22.30% -31.49% -3.40% -5.17% 21.83%
EPS Growth		 11.22% 15.97% 26.09% -13.22% 0.00% 29.80% 30.61% -30.86% -1.13% -1.71% 27.33%
Operating Cash Flow Growth		 72.06% 62.81% -30.11% 41.28% 35.95% 26.97% -27.82% 48.17% -45.29% -32.44% 154.35%
Free Cash Flow Firm Growth		 82.96% 507.52% -3.04% -292.00% 128.32% 155.23% -104.81% -1,903.35% -12.50% 425.51% -99.65%
Invested Capital Growth		 9.10% -2.52% -0.44% 27.63% 3.61% -0.72% 11.82% 15.56% 14.19% -19.08% 7.16%
Revenue Q/Q Growth		 2.69% 5.00% -0.06% 1.63% 3.96% 5.76% -3.50% -1.80% 0.89% 0.60% 1.50%
EBITDA Q/Q Growth		 5.95% 8.42% -2.83% 1.55% 2.05% -2.61% -8.20% -2.99% 0.18% -0.28% 3.91%
EBIT Q/Q Growth		 5.22% 5.85% 0.18% 1.78% -0.77% -7.10% -10.16% 1.61% 0.59% -0.68% 3.31%
NOPAT Q/Q Growth		 4.71% 5.39% 18.34% -8.43% 3.44% 15.45% -9.98% 1.62% 2.99% -2.12% 2.07%
Net Income Q/Q Growth		 4.71% 5.39% 18.34% -8.43% 3.44% 15.45% -9.98% 1.62% 2.99% -2.12% 2.07%
EPS Q/Q Growth		 -0.83% 5.34% 17.57% -14.69% 3.42% 17.37% -7.91% 0.57% 4.17% -1.15% 3.30%
Operating Cash Flow Q/Q Growth		 -11.21% 19.36% 3.22% 8.27% 77.67% 16.36% -29.70% 6.25% -29.95% -7.95% 10.65%
Free Cash Flow Firm Q/Q Growth		 81.74% 27.46% 61.20% 18.89% -51.20% 16.41% -339.20% -224.84% -65.97% 262.67% -97.94%
Invested Capital Q/Q Growth		 4.90% 3.17% 0.90% -3.20% 1.15% 0.99% 0.36% 16.05% 17.89% -2.69% 2.13%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.31% 38.13% 37.02% 35.54% 35.88% 39.12% 44.00% 35.10% 31.79% 32.21% 33.47%
EBIT Margin		 28.23% 29.49% 29.88% 28.95% 27.69% 27.93% 33.13% 26.58% 24.61% 25.11% 26.37%
Profit (Net Income) Margin		 19.51% 20.08% 24.26% 23.33% 22.66% 22.63% 26.65% 21.73% 21.22% 20.14% 21.31%
Tax Burden Percent		 69.12% 68.09% 81.21% 80.57% 81.83% 81.05% 80.43% 81.75% 82.18% 82.78% 80.99%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 104.90% 96.92% 99.81%
Effective Tax Rate		 30.88% 31.91% 18.79% 19.43% 18.17% 18.95% 19.57% 18.25% 17.82% 17.22% 19.01%
Return on Invested Capital (ROIC)		 6.28% 7.03% 8.99% 8.33% 7.50% 9.24% 10.70% 6.44% 5.42% 5.33% 7.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.28% 7.03% 8.99% 8.33% 7.50% 9.24% 10.70% 6.44% 5.42% 5.33% 7.01%
Return on Net Nonoperating Assets (RNNOA)		 3.43% 3.44% 3.27% 2.04% 1.48% 1.48% 2.00% 3.06% 4.54% 3.78% 3.39%
Return on Equity (ROE)		 9.71% 10.47% 12.26% 10.37% 8.98% 10.71% 12.70% 9.51% 9.96% 9.11% 10.40%
Cash Return on Invested Capital (CROIC)		 -2.42% 9.59% 9.44% -15.95% 3.96% 9.96% -0.45% -7.99% -7.83% 26.42% 0.10%
Operating Return on Assets (OROA)		 1.56% 1.67% 1.61% 1.55% 1.44% 1.61% 1.76% 1.15% 1.05% 1.05% 1.18%
Return on Assets (ROA)		 1.08% 1.13% 1.31% 1.25% 1.18% 1.30% 1.41% 0.94% 0.90% 0.84% 0.96%
Return on Common Equity (ROCE)		 7.98% 8.73% 10.36% 9.08% 8.51% 10.71% 12.70% 9.51% 9.96% 9.11% 10.40%
Return on Equity Simple (ROE_SIMPLE)		 9.38% 10.15% 11.77% 8.92% 8.80% 10.46% 12.61% 10.57% 9.73% 9.00% 9.89%
Net Operating Profit after Tax (NOPAT)		 7.62 8.78 11 12 12 15 18 13 12 11 14
NOPAT Margin		 19.51% 20.08% 24.26% 23.33% 22.66% 22.63% 26.65% 21.73% 21.22% 20.14% 21.31%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.10% 55.35% 56.92% 57.33% 57.46% 53.29% 53.27% 60.36% 59.70% 62.26% 58.23%
Operating Expenses to Revenue		 68.96% 68.79% 69.25% 69.85% 70.80% 65.26% 65.34% 73.42% 73.63% 75.45% 71.69%
Earnings before Interest and Taxes (EBIT)		 11 13 14 14 15 18 23 15 14 14 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 17 17 18 19 26 30 20 18 18 22
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.59 0.80 1.13 0.70 0.89 0.76 0.81 0.89 0.77 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.78 1.04 1.42 0.82 1.02 0.90 0.96 1.11 0.95 0.00 0.00
Price to Revenue (P/Rev)		 1.02 1.33 1.98 1.64 2.29 1.65 1.71 1.83 1.69 0.00 0.00
Price to Earnings (P/E)		 5.97 7.45 8.95 7.69 10.96 7.28 6.41 8.44 8.45 0.00 0.00
Dividend Yield		 2.47% 2.01% 2.00% 2.53% 2.33% 2.72% 0.00% 3.18% 3.66% 2.69% 2.73%
Earnings Yield		 16.76% 13.42% 11.17% 13.01% 9.13% 13.73% 15.61% 11.85% 11.84% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.62 0.75 0.87 0.47 0.74 0.00 0.00 0.80 0.78 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 2.01 2.10 2.34 1.48 2.27 0.00 0.00 2.87 3.25 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 5.54 5.51 6.31 4.17 6.33 0.00 0.01 8.19 10.23 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 7.13 7.13 7.82 5.12 8.20 0.00 0.01 10.82 13.22 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 10.31 10.47 9.63 6.35 10.03 0.00 0.02 13.23 15.33 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.12 6.56 10.86 5.34 6.38 0.00 0.02 6.48 13.25 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.68 9.17 0.00 19.01 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.56 0.43 0.31 0.20 0.19 0.13 0.24 0.76 0.91 0.51 0.46
Long-Term Debt to Equity		 0.56 0.43 0.31 0.20 0.19 0.13 0.24 0.76 0.91 0.51 0.46
Financial Leverage		 0.55 0.49 0.36 0.25 0.20 0.16 0.19 0.48 0.84 0.71 0.48
Leverage Ratio		 9.03 9.23 9.38 8.30 7.60 8.23 8.99 10.13 11.03 10.81 10.88
Compound Leverage Factor		 9.03 9.23 9.38 8.30 7.60 8.23 8.99 10.13 11.58 10.48 10.86
Debt to Total Capital		 35.80% 29.84% 23.46% 16.79% 16.20% 11.36% 19.61% 43.15% 47.73% 33.76% 31.53%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 35.80% 29.84% 23.46% 16.79% 16.20% 11.36% 19.61% 43.15% 47.73% 33.76% 31.53%
Preferred Equity to Total Capital		 11.05% 11.34% 11.39% 8.92% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.15% 58.82% 65.16% 74.30% 83.80% 88.64% 80.39% 56.85% 52.27% 66.24% 68.47%
Debt to EBITDA		 3.20 2.21 1.71 1.48 1.39 0.71 1.17 4.44 6.27 3.54 2.96
Net Debt to EBITDA		 1.75 1.19 0.13 -1.24 -0.04 -4.96 -3.87 2.96 4.92 2.05 -0.35
Long-Term Debt to EBITDA		 3.20 2.21 1.71 1.48 1.39 0.71 1.17 4.44 6.27 3.54 2.96
Debt to NOPAT		 5.95 4.19 2.60 2.26 2.20 1.23 1.93 7.18 9.39 5.67 4.66
Net Debt to NOPAT		 3.26 2.25 0.20 -1.89 -0.06 -8.58 -6.39 4.79 7.36 3.27 -0.55
Long-Term Debt to NOPAT		 5.95 4.19 2.60 2.26 2.20 1.23 1.93 7.18 9.39 5.67 4.66
Noncontrolling Interest Sharing Ratio		 17.82% 16.67% 15.49% 12.46% 5.24% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2.94 12 12 -22 6.31 16 -0.78 -16 -17 57 0.20
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.14 3.75 2.84 -3.59 0.66 2.40 -0.19 -3.00 -0.93 2.33 0.01
Operating Cash Flow to Interest Expense		 3.33 4.39 2.39 2.23 1.97 3.57 4.29 4.95 0.74 0.39 0.94
Operating Cash Flow Less CapEx to Interest Expense		 3.59 4.39 2.39 2.25 1.97 3.61 4.29 4.95 0.74 0.39 0.94
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.05 0.05 0.05 0.06 0.05 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.39 2.29 2.26 2.30 2.32 2.81 2.93 2.50 2.58 2.72 3.11
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 127 123 123 157 162 161 180 208 238 193 206
Invested Capital Turnover		 0.32 0.35 0.37 0.36 0.33 0.41 0.40 0.30 0.26 0.26 0.33
Increase / (Decrease) in Invested Capital		 11 -3.19 -0.55 34 5.66 -1.17 19 28 30 -45 14
Enterprise Value (EV)		 79 92 107 74 120 -19 0.29 166 185 0.00 0.00
Market Capitalization		 40 58 90 82 121 109 117 106 96 0.00 0.00
Book Value per Share		 $13.68 $14.95 $16.71 $17.91 $21.26 $18.94 $20.83 $16.92 $18.28 $0.00 $0.00
Tangible Book Value per Share		 $10.34 $11.57 $13.29 $15.39 $18.48 $16.01 $17.50 $13.60 $14.86 $0.00 $0.00
Total Capital		 127 123 123 157 162 161 180 208 238 193 206
Total Debt		 45 37 29 26 26 18 35 90 114 65 65
Total Long-Term Debt		 45 37 29 26 26 18 35 90 114 65 65
Net Debt		 25 20 2.19 -22 -0.75 -128 -117 60 89 38 -7.63
Capital Expenditures (CapEx)		 -0.67 -0.01 0.00 -0.13 -0.02 -0.30 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 45 37 29 26 26 18 35 90 114 65 65
Total Depreciation and Amortization (D&A)		 3.16 3.78 3.26 3.29 4.33 7.39 7.45 4.91 4.09 4.05 4.66
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.36 $1.60 $2.10 $1.72 $1.71 $1.96 $2.58 $1.79 $1.77 $1.72 $2.19
Adjusted Weighted Average Basic Shares Outstanding		 4.90M 4.87M 6.46M 6.48M 7.81M 7.39M 7.21M 7.00M 6.79M 0.00 0.00
Adjusted Diluted Earnings per Share		 $1.19 $1.38 $1.74 $1.51 $1.51 $1.96 $2.56 $1.77 $1.75 $1.72 $2.19
Adjusted Weighted Average Diluted Shares Outstanding		 4.90M 4.87M 6.46M 6.48M 7.81M 7.39M 7.21M 7.00M 6.79M 0.00 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.90M 4.87M 6.46M 6.48M 7.81M 7.39M 7.21M 7.00M 6.79M 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 7.62 8.78 11 12 12 15 18 13 12 11 14
Normalized NOPAT Margin		 19.51% 20.08% 24.26% 23.33% 22.66% 22.63% 26.65% 21.73% 21.22% 20.14% 21.31%
Pre Tax Income Margin		 28.23% 29.49% 29.88% 28.95% 27.69% 27.93% 33.13% 26.58% 25.82% 24.33% 26.32%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.27 4.03 3.33 2.33 1.53 2.75 5.65 2.96 0.74 0.59 0.68
NOPAT to Interest Expense		 2.95 2.75 2.70 1.87 1.25 2.23 4.55 2.42 0.64 0.47 0.55
EBIT Less CapEx to Interest Expense		 4.52 4.04 3.33 2.35 1.53 2.79 5.65 2.96 0.74 0.59 0.68
NOPAT Less CapEx to Interest Expense		 3.21 2.75 2.70 1.90 1.25 2.27 4.55 2.42 0.64 0.47 0.55
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.45% 24.53% 21.12% 26.34% 27.40% 20.54% 17.17% 27.27% 29.63% 32.87% 27.54%
Augmented Payout Ratio		 25.48% 37.83% 37.25% 27.27% 69.58% 68.50% 69.26% 74.40% 58.33% 74.44% 68.23%

Quarterly Metrics And Ratios for SB Financial Group

This table displays calculated financial ratios and metrics derived from SB Financial Group's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 6,846,612.00 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00 - 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00
DEI Adjusted Shares Outstanding		 6,846,612.00 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00 - 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00 6,801,921.00
DEI Earnings Per Adjusted Shares Outstanding		 0.39 0.57 0.35 0.46 0.35 - 0.32 0.57 0.59 0.58 0.63
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.35% 3.44% -6.14% -1.02% 4.45% 2.24% 17.17% 22.29% 15.86% 6.25% 13.25%
EBITDA Growth		 -18.11% 0.61% 0.05% -2.37% 8.87% -0.96% -6.58% 39.46% 27.66% 15.42% 79.81%
EBIT Growth		 -21.15% 1.89% 1.07% -1.58% 12.07% -2.21% -11.35% 46.86% 32.30% 12.80% 102.96%
NOPAT Growth		 -19.60% 9.94% -3.35% 1.24% -12.39% -6.39% -8.87% 23.74% 71.88% 7.79% 99.07%
Net Income Growth		 -19.60% 9.94% -3.35% 1.24% -12.39% -6.39% -8.87% 23.74% 71.88% 7.79% 99.07%
EPS Growth		 -17.02% 14.00% 0.00% 6.82% -10.26% -3.51% -5.71% 27.66% 82.86% 12.73% 109.09%
Operating Cash Flow Growth		 -10.88% -46.89% 107.44% -113.45% -55.47% -12.05% 2,076.30% -735.25% 250.48% 38.85% -144.70%
Free Cash Flow Firm Growth		 -666.25% -4.75% 133.12% 189.58% 132.24% 290.90% -172.47% -110.51% -101.58% -120.11% 93.29%
Invested Capital Growth		 12.40% 14.19% -2.83% -16.79% -1.96% -19.08% 4.16% 4.31% 2.10% 7.16% 2.38%
Revenue Q/Q Growth		 -3.46% 10.34% -13.13% 6.96% 1.88% 8.00% -0.44% 11.63% -3.48% -0.95% 6.11%
EBITDA Q/Q Growth		 -5.33% 26.31% -27.86% 13.17% 5.57% 14.90% -31.95% 68.95% -3.36% 3.88% 6.02%
EBIT Q/Q Growth		 -7.25% 37.25% -33.67% 16.56% 5.61% 19.76% -39.87% 93.08% -4.86% 2.11% 8.20%
NOPAT Q/Q Growth		 -12.62% 44.51% -39.02% 31.46% -24.38% 54.42% -40.63% 78.50% 5.04% -3.16% 9.65%
Net Income Q/Q Growth		 -12.62% 44.51% -39.02% 31.46% -24.38% 54.42% -40.63% 78.50% 5.04% -3.16% 9.65%
EPS Q/Q Growth		 -11.36% 46.15% -38.60% 34.29% -25.53% 57.14% -40.00% 81.82% 6.67% -3.13% 11.29%
Operating Cash Flow Q/Q Growth		 152.08% -16.72% -95.45% -240.91% 934.33% 64.48% 12.54% -154.08% 450.10% -34.84% -136.23%
Free Cash Flow Firm Q/Q Growth		 57.78% -31.14% 130.59% 428.92% -84.81% 676.51% -111.61% 23.31% 97.71% -9,759.00% 96.13%
Invested Capital Q/Q Growth		 -11.84% 17.89% -20.68% 0.94% 3.87% -2.69% 2.09% 1.09% 1.66% 2.13% -2.46%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.27% 35.79% 29.72% 31.45% 32.59% 34.67% 23.70% 35.86% 35.91% 37.66% 37.63%
EBIT Margin		 23.53% 29.28% 22.35% 24.36% 25.25% 28.00% 16.91% 29.25% 28.83% 29.73% 30.31%
Profit (Net Income) Margin		 19.61% 25.69% 18.03% 22.16% 16.45% 23.52% 14.03% 22.43% 24.41% 23.86% 24.66%
Tax Burden Percent		 83.34% 80.56% 83.12% 92.26% 75.79% 80.30% 83.35% 81.49% 81.64% 78.63% 81.35%
Interest Burden Percent		 100.00% 108.93% 97.07% 98.63% 85.97% 104.62% 99.50% 94.09% 103.68% 102.09% 100.00%
Effective Tax Rate		 16.66% 19.44% 16.88% 7.74% 24.21% 19.70% 16.65% 18.51% 18.36% 21.37% 18.65%
Return on Invested Capital (ROIC)		 5.81% 6.56% 5.29% 5.92% 4.66% 6.22% 4.31% 7.18% 7.89% 7.85% 8.38%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.81% 6.56% 5.29% 5.92% 4.66% 6.22% 4.31% 7.18% 7.89% 7.85% 8.38%
Return on Net Nonoperating Assets (RNNOA)		 3.95% 5.50% 3.03% 4.29% 2.94% 4.41% 2.19% 3.60% 3.80% 3.80% 3.73%
Return on Equity (ROE)		 9.76% 12.06% 8.32% 10.21% 7.60% 10.64% 6.51% 10.79% 11.69% 11.64% 12.11%
Cash Return on Invested Capital (CROIC)		 -5.52% -7.83% 9.14% 24.08% 7.85% 26.42% 1.77% 1.94% 4.77% 0.10% 5.75%
Operating Return on Assets (OROA)		 1.01% 1.25% 0.94% 1.02% 1.05% 1.17% 0.71% 1.29% 1.29% 1.33% 1.32%
Return on Assets (ROA)		 0.84% 1.09% 0.76% 0.92% 0.68% 0.98% 0.59% 0.99% 1.09% 1.07% 1.07%
Return on Common Equity (ROCE)		 9.76% 12.06% 8.32% 10.21% 7.60% 10.64% 6.51% 10.79% 11.69% 11.64% 12.11%
Return on Equity Simple (ROE_SIMPLE)		 10.45% 0.00% 9.71% 9.60% 8.82% 0.00% 8.56% 8.98% 10.00% 0.00% 11.22%
Net Operating Profit after Tax (NOPAT)		 2.69 3.88 2.37 3.11 2.35 3.64 2.16 3.85 4.05 3.92 4.30
NOPAT Margin		 19.61% 25.69% 18.03% 22.16% 16.45% 23.52% 14.03% 22.43% 24.41% 23.86% 24.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 60.60% 55.79% 63.53% 62.93% 63.31% 59.60% 64.86% 56.84% 56.33% 55.38% 54.00%
Operating Expenses to Revenue		 76.51% 68.60% 78.30% 75.98% 76.90% 71.20% 80.66% 69.00% 69.36% 68.45% 68.46%
Earnings before Interest and Taxes (EBIT)		 3.22 4.43 2.94 3.42 3.61 4.33 2.60 5.02 4.78 4.88 5.28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.28 5.41 3.90 4.42 4.66 5.36 3.65 6.16 5.95 6.18 6.56
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.77 0.70 0.70 0.98 0.00 0.99 0.90 0.87 0.00 0.91
Price to Tangible Book Value (P/TBV)		 0.95 0.95 0.86 0.86 1.19 0.00 1.25 1.13 1.08 0.00 1.12
Price to Revenue (P/Rev)		 1.50 1.69 1.54 1.58 2.31 0.00 2.20 1.92 1.84 0.00 1.93
Price to Earnings (P/E)		 7.28 8.45 7.53 7.65 11.62 0.00 11.68 10.10 8.78 0.00 8.08
Dividend Yield		 4.13% 3.66% 4.12% 4.09% 2.81% 2.69% 2.84% 3.13% 3.13% 2.73% 2.93%
Earnings Yield		 13.74% 11.84% 13.28% 13.08% 8.60% 0.00% 8.56% 9.90% 11.38% 0.00% 12.38%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.78 0.65 0.68 0.73 0.00 0.45 0.52 0.48 0.00 0.30
Enterprise Value to Revenue (EV/Rev)		 2.73 3.25 2.18 2.30 2.55 0.00 1.50 1.67 1.50 0.00 0.88
Enterprise Value to EBITDA (EV/EBITDA)		 8.53 10.23 6.75 7.16 7.85 0.00 4.91 5.24 4.60 0.00 2.39
Enterprise Value to EBIT (EV/EBIT)		 11.06 13.22 8.70 9.21 10.03 0.00 6.36 6.67 5.80 0.00 2.98
Enterprise Value to NOPAT (EV/NOPAT)		 13.13 15.33 10.19 10.70 12.32 0.00 7.89 8.65 7.09 0.00 3.69
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.72 13.25 6.64 8.73 14.07 0.00 5.60 8.20 4.47 0.00 4.15
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.99 2.55 9.21 0.00 26.05 27.46 10.17 0.00 5.20
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.80 0.91 0.53 0.52 0.49 0.51 0.49 0.49 0.47 0.46 0.40
Long-Term Debt to Equity		 0.80 0.91 0.53 0.52 0.49 0.51 0.49 0.49 0.47 0.46 0.40
Financial Leverage		 0.68 0.84 0.57 0.72 0.63 0.71 0.51 0.50 0.48 0.48 0.45
Leverage Ratio		 11.59 11.03 11.00 11.04 11.10 10.81 11.11 10.92 10.71 10.88 11.29
Compound Leverage Factor		 11.59 12.02 10.67 10.89 9.54 11.31 11.06 10.27 11.11 11.11 11.29
Debt to Total Capital		 44.32% 47.73% 34.43% 34.12% 32.85% 33.76% 33.08% 32.73% 32.20% 31.53% 28.61%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 44.32% 47.73% 34.43% 34.12% 32.85% 33.76% 33.08% 32.73% 32.20% 31.53% 28.61%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 55.68% 52.27% 65.57% 65.88% 67.15% 66.24% 66.92% 67.27% 67.80% 68.47% 71.39%
Debt to EBITDA		 4.95 6.27 3.59 3.61 3.53 3.54 3.60 3.28 3.08 2.96 2.32
Net Debt to EBITDA		 3.83 4.92 1.98 2.25 0.76 2.05 -2.31 -0.81 -1.04 -0.35 -2.84
Long-Term Debt to EBITDA		 4.95 6.27 3.59 3.61 3.53 3.54 3.60 3.28 3.08 2.96 2.32
Debt to NOPAT		 7.62 9.39 5.41 5.39 5.55 5.67 5.77 5.42 4.75 4.66 3.57
Net Debt to NOPAT		 5.89 7.36 2.99 3.37 1.19 3.27 -3.70 -1.33 -1.61 -0.55 -4.39
Long-Term Debt to NOPAT		 7.62 9.39 5.41 5.39 5.55 5.67 5.77 5.42 4.75 4.66 3.57
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -20 -26 7.86 42 6.31 49 -5.69 -4.37 -0.10 -9.86 -0.38
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -3.72 -4.63 1.28 6.93 0.99 8.24 -0.93 -0.69 -0.02 -1.50 -0.06
Operating Cash Flow to Interest Expense		 1.55 1.22 0.05 -0.07 0.57 1.00 1.10 -0.57 1.96 1.26 -0.45
Operating Cash Flow Less CapEx to Interest Expense		 1.55 1.22 0.05 -0.07 0.57 1.00 1.10 -0.57 1.96 1.26 -0.45
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.52 2.58 2.57 2.60 2.65 2.72 2.76 2.92 3.04 3.11 3.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 202 238 189 190 198 193 197 199 202 206 201
Invested Capital Turnover		 0.30 0.26 0.29 0.27 0.28 0.26 0.31 0.32 0.32 0.33 0.34
Increase / (Decrease) in Invested Capital		 22 30 -5.49 -38 -3.96 -45 7.85 8.22 4.15 14 4.68
Enterprise Value (EV)		 154 185 122 129 144 0.00 89 104 97 0.00 59
Market Capitalization		 85 96 86 88 130 0.00 131 120 119 0.00 130
Book Value per Share		 $16.41 $18.28 $18.42 $18.75 $19.95 $0.00 $20.29 $20.73 $21.75 $0.00 $23.06
Tangible Book Value per Share		 $13.02 $14.86 $14.96 $15.28 $16.46 $0.00 $16.10 $16.52 $17.43 $0.00 $18.70
Total Capital		 202 238 189 190 198 193 197 199 202 206 201
Total Debt		 89 114 65 65 65 65 65 65 65 65 58
Total Long-Term Debt		 89 114 65 65 65 65 65 65 65 65 58
Net Debt		 69 89 36 41 14 38 -42 -16 -22 -7.63 -71
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 89 114 65 65 65 65 65 65 65 65 58
Total Depreciation and Amortization (D&A)		 1.06 0.99 0.97 1.00 1.05 1.03 1.04 1.14 1.17 1.30 1.28
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.40 $0.57 $0.35 $0.47 $0.35 $0.55 $0.33 $0.60 $0.64 $0.62 $0.69
Adjusted Weighted Average Basic Shares Outstanding		 6.79M 6.79M 6.72M 6.69M 6.66M 0.00 6.48M 6.45M 6.30M 0.00 6.23M
Adjusted Diluted Earnings per Share		 $0.39 $0.57 $0.35 $0.47 $0.35 $0.55 $0.33 $0.60 $0.64 $0.62 $0.69
Adjusted Weighted Average Diluted Shares Outstanding		 6.88M 6.79M 6.72M 6.70M 6.68M 0.00 6.50M 6.46M 6.31M 0.00 6.24M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.80M 6.79M 6.76M 6.73M 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 2.69 3.88 2.37 3.11 2.35 3.64 2.16 3.85 4.05 3.92 4.30
Normalized NOPAT Margin		 19.61% 25.69% 18.03% 22.16% 16.45% 23.52% 14.03% 22.43% 24.41% 23.86% 24.66%
Pre Tax Income Margin		 23.53% 31.89% 21.70% 24.02% 21.71% 29.29% 16.83% 27.52% 29.90% 30.35% 30.31%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.61 0.80 0.48 0.57 0.57 0.73 0.43 0.79 0.74 0.74 0.80
NOPAT to Interest Expense		 0.51 0.70 0.39 0.52 0.37 0.61 0.35 0.61 0.62 0.60 0.65
EBIT Less CapEx to Interest Expense		 0.61 0.80 0.48 0.57 0.57 0.73 0.43 0.79 0.74 0.74 0.81
NOPAT Less CapEx to Interest Expense		 0.51 0.70 0.39 0.52 0.37 0.61 0.35 0.61 0.62 0.60 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.16% 29.63% 30.17% 30.47% 31.78% 32.87% 33.75% 31.92% 28.02% 27.54% 24.07%
Augmented Payout Ratio		 55.53% 58.33% 56.20% 49.17% 55.40% 74.44% 77.79% 89.45% 84.85% 68.23% 59.14%

Financials Breakdown Chart

Key Financial Trends

SB Financial Group (NASDAQ:SBFG) started 2026 with a weaker cash flow profile, but the underlying earnings trend remains solid and the balance sheet continues to show a large deposit base and healthy equity capital. The main issue in Q1 2026 was a sharp swing to negative operating cash flow, even though net income remained profitable.

  • Q1 2026 net income was $4.3 million, up from $3.9 million in Q4 2025 and $2.2 million in Q1 2025, showing continued profitability growth year over year.
  • Revenue improved to $17.4 million in Q1 2026 from $16.4 million in Q4 2025 and $15.4 million in Q1 2025, supported by both net interest income and non-interest income.
  • Non-interest income was a bright spot in Q1 2026 at $4.7 million, helped by service charges and gains on investments.
  • Total assets rose to $1.60 billion at March 31, 2026, up from $1.50 billion a year earlier, indicating continued balance sheet expansion.
  • Total common equity increased to $143.7 million from $131.5 million in Q1 2025, which is a favorable sign for capital strength.
  • Deposit growth was very strong in Q1 2026, with net change in deposits of $64.6 million, helping fund the balance sheet.
  • The company continued returning capital to shareholders through dividends and share repurchases, which may appeal to income-oriented investors.
  • Net interest income was essentially flat versus recent quarters at $12.7 million, suggesting stable core banking spread performance rather than a major acceleration.
  • Loan balances increased to $1.18 billion from $1.09 billion a year earlier, showing loan growth, but also increasing exposure to credit risk over time.
  • Operating cash flow turned negative in Q1 2026 at -$3.0 million, compared with $8.3 million in Q4 2025 and $6.7 million in Q1 2025.

Key concern: the decline in operating cash flow was not a one-off small move; it came after a much stronger 2024-2025 pattern, so investors should watch whether this is temporary or a sign of margin pressure, working-capital strain, or deposit-related volatility.

Trend view over the last four years: SBFG has generally shown improving earnings and gradual balance sheet growth, with net income trending higher versus 2024 and early 2025. At the same time, the bank’s cash generation can be lumpy quarter to quarter, and Q1 2026 stands out as the weakest operating cash quarter in the recent data set. Overall, the company still looks profitable and well-capitalized, but the recent cash flow weakness is a caution flag.

07/12/26 11:17 PM ETAI Generated. May Contain Errors.

SB Financial Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, SB Financial Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

SB Financial Group's net income appears to be on an upward trend, with a most recent value of $13.97 million in 2025, rising from $7.62 million in 2015. The previous period was $11.47 million in 2024. Find out what analysts predict for SB Financial Group in the coming months.

Over the last 10 years, SB Financial Group's total revenue changed from $39.05 million in 2015 to $65.56 million in 2025, a change of 67.9%.

SB Financial Group's total liabilities were at $1.40 billion at the end of 2025, a 12.2% increase from 2024, and a 115.4% increase since 2015.

In the past 10 years, SB Financial Group's cash and equivalents has ranged from $17.01 million in 2016 to $149.51 million in 2021, and is currently $71.54 million as of their latest financial filing in 2025.

Over the last 10 years, SB Financial Group's book value per share changed from 13.68 in 2015 to 0.00 in 2025, a change of -100.0%.


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Financial statements for NASDAQ:SBFG last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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