Sb Financial Group, Inc.
SBFG Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$30.40
KIRA · Stoqly’s AI analyst, in plain words
- Sb Financial Group, Inc. had $65.6M of revenue in fiscal 2025, up 15.1% on the year before. Over five years, revenue changed −0.3% a year on average.
- Sb Financial Group, Inc. made $14.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.3% a year.
- Sb Financial Group, Inc. returned $9.5M to shareholders in fiscal 2025, 44% of free cash flow. The diluted share count fell 4.4%.
- It earned 10.4% on shareholders’ money. Running costs took 71.7% of revenue (the efficiency ratio; lower is better).
Market cap
$189M
P/E
11.4x
Revenue
$65.6M
Net income
$14.0M
Return on equity
10.4%
Efficiency ratio
71.7%
Sb Financial Group, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+15.1%
Yes. Sales grew 15.1% last year.
Does it make a profit?
21.3%
Yes. It keeps 21.3% of every sale as profit.
How lean are its costs?
71.7%
Costly. Running costs take 71.7% of revenue.
How much does it earn on its capital?
10.4%
Fair. It earns 10.4% a year on shareholders’ money.
How is the share priced?
11.4x
One share costs 11.4 times its yearly profit per share.
What Sb Financial Group, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- SB FINANCIAL GROUP, INC.
- CIK
- 0000767405
Sb Financial Group, Inc. · SBFG
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $67.5M | $57.6M | $57.0M | $56.9M | $65.6M |
| Revenue growth | 1.5% | −14.7% | −1.1% | −0.1% | 15.1% |
| Net interest income | $36.8M | $39.4M | $39.3M | $39.9M | $48.5M |
| Net income | $18.3M | $12.5M | $12.1M | $11.5M | $14.0M |
| Net margin | 27.1% | 21.7% | 21.2% | 20.1% | 21.3% |
| Diluted EPS | $2.56 | $1.77 | $1.75 | $1.72 | $2.19 |
| Cash | |||||
| Cash from operations | $17.3M | $25.6M | $14.0M | $9.5M | $24.0M |
| Capital expenditure | $2.4M | $1.9M | $1.0M | $1.2M | $2.6M |
| Free cash flow | $14.8M | $23.7M | $13.0M | $8.2M | $21.4M |
| FCF margin | 22.0% | 41.1% | 22.9% | 14.4% | 32.7% |
| Dividends paid | $3.1M | $3.4M | $3.6M | $3.8M | $3.8M |
| Share buybacks | $9.5M | $5.9M | $3.5M | $4.8M | $5.7M |
| Share count change | −6.6% | −0.7% | −2.3% | −3.4% | −4.4% |
| Debt and strength | |||||
| Cash and short-term investments | $150M | $27.8M | $23.0M | $25.9M | $71.5M |
| Debt incl. finance leases | $34.9M | $34.5M | $33.0M | $30.3M | $9.2M |
| Loans, net | $823M | $962M | — | — | — |
| Deposits | $1.1B | $1.1B | $1.1B | $1.2B | $1.3B |
| Shareholders' equity | $145M | $118M | $124M | $128M | $141M |
| Returns and quality | |||||
| Return on equity | 12.7% | 9.5% | 10.0% | 9.1% | 10.4% |
| Return on tangible equity | 15.0% | 13.1% | 11.9% | 11.0% | 12.4% |
| Efficiency ratio | 66.4% | 73.4% | 73.6% | 75.4% | 71.7% |
| Piotroski F-score | 4 | 5 | 5 | 4 | 7 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Sb Financial Group, Inc. · SBFG
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $30.40 a share, the company is worth $189M: 11.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000767405). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.