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Home CompaniesSB Financial Group Inc

SB Financial Group Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
28.43 USD -0.26 ( 0.91%)
Last update at 2026-11-06T21:00:00Z
VOLUME
29415
Market Cap
181.65M
P/E
10.80

Momentum Score

…

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance 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; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
27.90
Low
28.76
High
52 Week Price Range
17.66
Low
30.07
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

SB Financial Group, Inc. is a U.S. bank holding company operating a regional community bank that provides commercial and consumer banking services. Long-term growth may be driven by loan and deposit expansion, net interest margin improvement as rates change, and modest fee income gains from business and mortgage services.
Principal risks include credit and interest-rate sensitivity tied to regional economic weakness, competitive pressure on margins, and regulatory or capital constraints that could limit growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
28.69
Dividend Yield
2.14%
Revenue TTM
67.59M
Revenue Per Share
10.82
Gross Profit TTM
67.59M
Debt / Equity
0.45
ROE
11.95%
Net Debt
-8.71M
ROCE
7.62%
Diluted EPS TTM
2.69

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 17.25M 13.86M 14.72M 15.31M 22.72M
Net income 13.97M 11.47M 12.10M 12.52M 18.28M
Selling general administrative 25.84M 24.34M 23.41M 24.75M 27.50M
Selling and marketing expenses 0.65M 0.82M 0.78M 0.91M 0.78M
Gross profit 64.25M 56.81M 56.68M 57.63M 68.58M
Reconciled depreciation 4.22M 3.55M 3.59M 4.01M 6.22M
Ebit 17.25M 13.86M 14.72M 19.56M 22.72M
Ebitda 19.45M 17.41M 18.28M 23.58M 28.94M
Depreciation and amortization 2.20M 3.55M 3.57M 4.01M 6.22M
Operating income 17.25M 13.86M 14.72M 19.56M 22.72M
Other operating expenses 73.77M 67.51M 61.16M 4.12M -45.86M
Interest expense 25.47M 24.43M 18.88M 5.17M 4.02M
Tax provision 3.28M 2.39M 2.50M 2.79M 4.45M
Interest income 73.92M 64.35M 55.96M 44.57M 41.90M
Net interest income 48.45M 39.92M 40.59M 39.40M 37.88M
Income tax expense 3.28M 2.39M 2.62M 2.79M 4.45M
Total revenue 91.03M 81.37M 75.87M 57.63M 68.58M
Total operating expenses 47.00M 42.96M 41.96M 4.12M -45.86M
Cost of revenue 26.77M 24.55M 19.19M - -
Total other income expense net -4.47M -46.74M 14.72M -4.25M -4.02M
Net income from continuing ops 13.97M 11.47M 11.74M 12.52M 18.28M
Net income applicable to common shares - - - 12.52M 18.28M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1545.37M 1379.52M 1343.25M 1335.63M 1330.86M
Intangible assets 15.25M 14.87M 13.91M 13.50M 12.03M
Other current assets -5.49M - 29.67M -29.95M 590.83M
Total liab 1404.13M 1252.01M 1218.91M 1217.20M 1185.93M
Total stockholder equity 141.24M 127.51M 124.34M 118.43M 144.93M
Other current liab 1307.24M 1152.61M 797.55M -15.69M -15.62M
Common stock 61.32M 61.32M 61.32M 61.32M 54.46M
Capital stock 61.32M 61.32M 61.32M 61.32M 54.46M
Retained earnings 126.31M 116.19M 108.49M 101.97M 99.72M
Other liab - - - 17.85M 21.91M
Good will 27.16M 23.24M 22.82M 23.24M 23.19M
Other assets 1467.09M 1103.40M - 1046.69M 590.83M
Cash 72.68M 27.49M 24.50M 29.95M 152.15M
Total current liabilities 1318.93M 1165.54M 872.03M 2.79M 15.62M
Current deferred revenue - - -2.44M - -
Net debt -8.71M 37.78M 102.44M 64.57M -111.79M
Short term debt 9.23M 10.59M 74.49M 14.92M 15.32M
Short long term debt - - - 14.92M 15.32M
Short long term debt total 63.97M 65.28M 126.94M 94.52M 40.37M
Other stockholder equity -24.91M -19.76M -15.63M -12.74M -7.41M
Property plant equipment - - - 22.83M 23.21M
Total current assets 151.70M 204.16M 29.67M 242.87M 418.33M
Long term investments 73.53M 201.59M 219.71M 238.78M 263.26M
Net tangible assets - - - 95.19M 121.74M
Short term investments 73.53M 171.76M 219.71M 238.78M 263.26M
Net receivables 5.49M 4.91M 4.66M 4.09M 2.92M
Long term debt 54.74M 54.69M 103.24M 79.59M 25.05M
Inventory - - -27.62M 0.78M 2.10M
Accounts payable 2.46M 2.35M 2.44M 0.77M 0.30M
Accumulated other comprehensive income -21.48M -30.23M -29.83M -32.12M -1.84M
Common stock total equity - - - 61.32M 54.46M
Retained earnings total equity - - - 101.97M 99.72M
Treasury stock - - - -27.82M -22.35M
Non currrent assets other 163.33M 48.56M 51.34M -252.28M -321.70M
Non current assets total 1393.67M 1175.36M 1313.58M 46.07M 321.70M
Long term debt total - - - 10.31M 10.31M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 52.78M -28.95M -43.02M -155.43M -71.72M
Change to liabilities - - - 5.87M -6.74M
Total cashflows from investing activities -68.08M -28.95M -17.39M -165.67M -71.99M
Net borrowings -1.00M -48.60M 23.60M 54.10M -4.87M
Total cash from financing activities 89.66M 22.46M -1.45M 18.41M 63.55M
Change to operating activities - - - 3.85M -4.74M
Net income 13.97M 11.47M 12.10M 12.52M 18.28M
Change in cash 45.62M 2.96M -4.85M -121.69M 8.82M
Begin period cash flow 25.93M 22.96M 27.82M 149.51M 140.69M
End period cash flow 71.54M 25.93M 22.96M 27.82M 149.51M
Total cash from operating activities 24.04M 9.45M 13.99M 25.57M 17.26M
Depreciation 4.22M 3.55M 3.57M 4.01M 6.22M
Other cashflows from investing activities -114.45M -43.62M -36.79M -8.34M 2.16M
Dividends paid 3.85M 3.77M 3.58M -3.42M -3.14M
Change to account receivables -0.58M -0.25M -0.57M -1.17M 0.88M
Sale purchase of stock -5.69M -4.77M -3.47M -5.90M -9.52M
Other cashflows from financing activities 100.20M 79.60M -18.00M 205.22M 78.71M
Change to netincome - - - 5.46M -4.62M
Capital expenditures 2.60M 1.23M 0.96M 1.90M 2.43M
Change receivables - - - -1.17M 0.88M
Cash flows other operating - - - 10.51M 20.28M
Cash and cash equivalents changes - - - -121.69M 8.82M
Change in working capital 0.84M -2.30M -1.41M 2.68M -3.86M
Stock based compensation 0.54M 0.64M 0.58M 0.57M 0.44M
Other non cash items 4.57M -5.92M -2.71M 3.08M -6.12M
Free cash flow 21.44M 8.22M 13.03M 23.67M 14.83M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SBFG
SB Financial Group Inc		 -0.26
0.91%		 28.43 10.80 12.30 2.69 1.23 3.27
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

SB Financial Group Inc

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance 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; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company 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.

401 Clinton Street, Defiance, OH, United States, 43512

419 783 8950

https://ir.yourstatebank.com

258

Name Title Year Born
Mr. Mark A. Klein Chairman, Pres & CEO 1955
Mr. Anthony V. Cosentino Exec. VP & CFO 1962
Mr. David A. Homoelle Regional Pres of Columbus NA
Mr. J. Ernesto Gaytan Exec. VP and Chief Technology Innovation & Operations Officer 1972
Scott A. Armey Sr. VP & HR Mang. NA
Ms. Keeta J. Diller Exec. VP, Chief Risk Officer & Corp. Sec. 1957
Mr. Steven A. Walz Exec. VP & Chief Lending Officer 1971
Melissa Martin Exec. of Investor Relations NA
Mr. Mark A. Klein Chairman, President & CEO 1955
Mr. Anthony V. Cosentino Executive VP & CFO 1962

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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