SBFG - SB Financial Group Inc Stock Price, Fair Value and News

13.21USD-0.43 (-3.15%)Delayed as of 30 Apr 2024, 02:21 pm ET

Market Summary

USD13.21-0.43

Delayedas of 30 Apr 2024, 02:21 pm

-3.15%

SBFG Stock Price

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SBFG RSI Chart

SBFG Valuation

Market Cap

92.6M

Price/Earnings (Trailing)

7.65

Price/Sales (Trailing)

1.59

EV/EBITDA

1.32

Price/Free Cashflow

6.62

SBFG Price/Sales (Trailing)

SBFG Profitability

EBT Margin

25.31%

Return on Equity

9.73%

Return on Assets

0.9%

Free Cashflow Yield

15.11%

SBFG Fundamentals

SBFG Revenue

Revenue (TTM)

58.2M

Rev. Growth (Yr)

16.92%

Rev. Growth (Qtr)

2.23%

SBFG Earnings

Earnings (TTM)

12.1M

Earnings Growth (Yr)

9.92%

Earnings Growth (Qtr)

44.51%

Breaking Down SBFG Revenue

52 Week Range

11.8215.99

(Low)(High)

Last 7 days

1.0%

Last 30 days

-1.0%

Last 90 days

-10.9%

Trailing 12 Months

-3.9%

How does SBFG drawdown profile look like?

SBFG Financial Health

SBFG Investor Care

Dividend Yield

3.81%

Dividend/Share (TTM)

0.52

Buy Backs (1Y)

3.08%

Diluted EPS (TTM)

1.75

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	49.0M	52.9M	56.0M	58.2M
2022	40.5M	40.8M	41.5M	44.6M
2021	47.2M	46.7M	46.9M	42.0M
2020	36.1M	35.5M	34.8M	38.4M
2019	40.7M	41.9M	43.2M	44.4M
2018	0	0	0	39.5M
2017	31.1M	33.2M	35.3M	37.4M
2016	26.6M	27.4M	28.2M	29.1M
2015	24.8M	25.1M	25.5M	25.9M
2014	24.2M	24.0M	24.2M	24.4M
2013	26.0M	25.8M	25.3M	24.8M
2012	27.2M	26.8M	26.5M	26.1M
2011	28.9M	28.4M	28.1M	27.5M
2010	0	31.6M	30.6M	29.6M
2009	0	0	0	32.6M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of SB Financial Group Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 29, 2024	klein mark a	bought	1,820	13.9	131	chairman, president & ceo
Feb 21, 2024	carter george w	bought	5,162	14.75	350	-
Feb 05, 2024	klein mark a	sold (taxes)	-16,589	15.71	-1,056	chairman, president & ceo
Feb 05, 2024	helberg tom r	acquired	-	-	1,528	-
Feb 05, 2024	gaytan garcia juan ernesto	acquired	-	-	1,720	evp of subsidiary
Feb 05, 2024	finn gaylyn j	acquired	-	-	1,528	-
Feb 05, 2024	homoelle david a.	acquired	-	-	1,720	regional president of subsidia
Feb 05, 2024	stolly timothy j.	acquired	-	-	1,528	-
Feb 05, 2024	hardgrove richard l	acquired	-	-	1,528	-
Feb 05, 2024	claxton timothy l.	acquired	-	-	1,528	-

Which funds bought or sold SBFG recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 18, 2024	SJS Investment Consulting Inc.	unchanged	-	-5,538	52,268	0.01%
Mar 22, 2024	PNC FINANCIAL SERVICES GROUP, INC.	unchanged	-	3,230	28,880	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.59	181,266	1,549,150	-%
Feb 15, 2024	BARCLAYS PLC	unchanged	-	1,000	5,000	-%
Feb 15, 2024	State of Wyoming	sold off	-100	-3,471	-	-%
Feb 15, 2024	Venture Visionary Partners LLC	added	0.3	36,577	357,180	0.02%
Feb 14, 2024	Empowered Funds, LLC	added	9.52	83,872	471,160	0.01%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	added	0.74	1,021,980	8,636,410	-%
Feb 14, 2024	Royal Bank of Canada	unchanged	-	12,000	97,000	-%
Feb 14, 2024	GENDELL JEFFREY L	added	23.49	200,982	698,241	0.04%

Are Funds Buying or Selling SBFG?

Are funds buying SBFG calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own SBFG

No. of Funds

Unveiling SB Financial Group Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	strategic value investors lp	5.2%	352,815	SC 13G/A
Feb 14, 2024	cutler capital management, llc	5.92%	400,284	SC 13G/A
Feb 14, 2024	alliancebernstein l.p.	8.4%	568,185	SC 13G/A
Feb 13, 2024	manulife financial corp	7.13%	-	SC 13G/A
Feb 09, 2024	state bank & trust co	4.85%	328,187	SC 13G/A
Feb 14, 2023	cutler capital management, llc	5.7%	397,239	SC 13G/A
Feb 14, 2023	alliancebernstein l.p.	7.3%	512,693	SC 13G/A
Feb 14, 2023	manulife financial corp	6.97%	-	SC 13G/A
Feb 13, 2023	state bank & trust co	5.34%	370,876	SC 13G/A
Feb 08, 2023	fj capital management llc	5.33%	373,521	SC 13G/A

Recent SEC filings of SB Financial Group Inc

View All Filings

Date Filed	Form Type	Document
Apr 29, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report
Apr 19, 2024	8-K	Current Report
Apr 19, 2024	8-K	Current Report
Apr 17, 2024	8-K	Current Report
Mar 08, 2024	10-K	Annual Report
Mar 08, 2024	DEF 14A	DEF 14A
Mar 04, 2024	4	Insider Trading
Feb 21, 2024	4	Insider Trading
Feb 14, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to SB Financial Group Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.7B	171.1B	-3.50%	39.81%	11.24	3.25	60.72%	31.52%
BAC	295.6B	130.3B	-0.98%	28.24%	11.15	2.27	79.51%	-3.68%
WFC	213.9B	85.7B	3.17%	50.44%	11.18	2.5	41.49%	39.96%
C	119.0B	133.3B	-1.55%	32.27%	12.9	0.89	79.09%	-
CFG	16.0B	10.2B	-3.61%	14.73%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-6.83%	30.82%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-6.49%	18.56%	9.93	1.63	34.68%	-45.96%
ZION	6.1B	3.9B	-4.79%	48.31%	9	1.55	45.91%	-25.03%
ABCB	3.3B	1.3B	0.25%	44.78%	12.44	2.61	43.24%	-22.35%
ASB	3.3B	2.0B	0.37%	21.09%	17.83	1.67	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.5M	164.9M	-8.20%	39.26%	33.82	2.4	42.66%	-70.76%
AROW	377.4M	162.6M	-8.87%	5.60%	12.55	2.32	25.39%	-38.37%
ACNB	274.3M	96.6M	-14.23%	6.33%	8.66	2.84	11.02%	-11.37%
ASRV	42.0M	60.9M	-5.77%	-17.79%	-12.56	0.69	24.06%	-144.92%

SB Financial Group Inc News

Latest updates

SB Financial Group Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	2.2%	15.00	15.00	14.00	14.00	13.00	12.00	10.00	9.00	10.00	11.00	10.00	11.00	15.00	11.00	11.00	2.00	11.00	12.00	11.00	10.00	10.00
EBITDA Margin	156.7%	0.91*	0.35*	0.41*	0.43*	0.42*	0.95*	0.76*	0.58*	0.69*	0.68*	0.72*	0.73*	-	-	-	-	-	-	-	-	-
Interest Expenses	36.3%	13.00	10.00	10.00	4.00	15.00	10.00	10.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	2.00	2.00	-16.66	9.00	9.00	8.00	9.00
Income Taxes	74.5%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.00	1.00
Earnings Before Taxes	49.5%	5.00	3.00	4.00	3.00	4.00	4.00	3.00	3.00	4.00	5.00	5.00	9.00	7.00	7.00	5.00	1.00	4.00	5.00	3.00	3.00	4.00
EBT Margin	-0.6%	0.25*	0.25*	0.29*	0.30*	0.34*	0.36*	0.39*	0.43*	0.54*	0.54*	0.57*	0.56*	-	-	-	-	-	-	-	-	-
Net Income	44.5%	4.00	3.00	3.00	2.00	4.00	3.00	3.00	3.00	3.00	4.00	4.00	7.00	5.00	5.00	4.00	1.00	3.00	4.00	3.00	2.00	3.00
Net Income Margin	-0.9%	0.21*	0.21*	0.23*	0.25*	0.28*	0.30*	0.32*	0.35*	0.44*	0.43*	0.46*	0.45*	-	-	-	-	-	-	-	-	-
Free Cashflow	-16.7%	7.00	8.00	3.00	-4.14	13.00	9.00	5.00	-1.46	11.00	4.00	3.00	-0.88	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.3%	1,343	1,326	1,341	1,341	1,336	1,303	1,294	1,335	1,331	1,330	1,313	1,326	1,258	1,218	1,203	1,088	1,039	1,043	1,029	1,021	987
Cash Equivalents	20.6%	23.00	19.00	21.00	22.00	28.00	28.00	30.00	130	150	138	155	206	141	95.00	86.00	56.00	27.00	50.00	43.00	63.00	48.00
Net PPE	-2.5%	21.00	22.00	22.00	23.00	23.00	23.00	23.00	23.00	23.00	24.00	24.00	23.00	24.00	24.00	24.00	24.00	23.00	24.00	23.00	23.00	22.00
Goodwill	0%	23.00	23.00	23.00	-	23.00	23.00	23.00	-	23.00	-	-	-	-	22.00	22.00	-	18.00	18.00	18.00	-	16.00
Liabilities	0.4%	1,219	1,214	1,224	1,222	1,217	1,189	1,169	1,202	1,186	1,185	1,168	1,182	1,115	1,077	1,065	952	902	909	895	890	856
Shareholder's Equity	10.7%	124	112	118	120	118	115	125	133	145	144	144	144	143	141	138	136	136	134	134	132	130
Retained Earnings	2.8%	108	106	104	102	102	99.00	97.00	95.00	100	97.00	94.00	91.00	85.00	80.00	76.00	73.00	73.00	70.00	67.00	65.00	64.00
Additional Paid-In Capital	0.6%	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00	15.00
Shares Outstanding	0.6%	7.00	7.00	7.00	-	7.00	7.00	7.00	-	-	7.00	-	8.00	-	8.00	-	-	-	-	-	-	-
Float	-	-	-	86.00	-	-	-	122	-	-	-	130	-	-	-	128	-	-	-	106	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-16.7%	6,772	8,132	3,226	-4,141	12,752	9,125	5,157	-1,465	11,247	3,973	2,919	-882	18,538	5,707	4,309	-4,647	15,176	2,872	-3,273	4,054	6,945
Share Based Compensation	-29.3%	87.00	123	201	165	89.00	124	197	158	69.00	100	151	123	63.00	84.00	125	110	71.00	93.00	140	113	66.00
Cashflow From Investing	-292.3%	-7,048	3,665	-4,644	-9,363	-32,682	-21,677	-67,977	-43,335	5,921	-34,534	-37,780	-5,595	-3,130	-10,270	-32,554	-11,262	-27,147	-1,460	-21,319	-17,688	-7,567
Cashflow From Financing	130.5%	4,192	-13,741	786	7,312	19,813	10,919	-37,616	25,292	-5,672	13,583	-16,182	71,823	30,641	13,543	57,513	45,238	-10,789	5,626	4,416	28,233	3,470
Dividend Payments	3.0%	918	891	898	877	876	841	858	840	799	771	793	776	792	764	770	744	608	581	586	556	558
Buy Backs	21.2%	744	614	1,248	865	252	1,336	1,703	2,609	819	1,959	4,024	2,718	3,042	1,005	1,305	1,814	706	2,847	203	1,294	-

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SBFG Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Loans
Taxable	$ 51,407	$ 38,238
Tax exempt	483	335
Securities
Taxable	5,245	5,174
Tax exempt	170	198
Other interest income	847	624
Total interest income	58,152	44,569
Interest Expense
Deposits	14,708	3,477
Repurchase agreements & other	74	39
Federal Home Loan Bank advance expense	2,603	515
Trust preferred securities expense	716	361
Subordinated debt expense	778	778
Total interest expense	18,879	5,170
Net Interest Income	39,273	39,399
Provision for credit losses - loans	688
Provision for unfunded commitments	(373)
Total provision for credit losses	315
Net interest income after provision for loan losses	38,958	39,399
Noninterest Income
Wealth management fees	3,532	3,728
Customer service fees	3,403	3,378
Gain on sale of mortgage loans & OMSR	3,609	4,298
Mortgage loan servicing fees, net	2,101	2,964
Gain on sale of non-mortgage loans	429	566
Title insurance income	1,635	2,229
Net gain on sale of securities	1,453
Other income	1,559	1,068
Total noninterest income	17,721	18,231
Noninterest Expense
Salaries and employee benefits	22,777	24,142
Net occupancy expense	3,096	2,993
Equipment expense	4,078	3,616
Data processing fees	2,659	2,510
Professional fees	3,024	3,214
Marketing expense	782	911
Telephone and communications	501	474
Postage and delivery expense	432	422
State, local and other taxes	949	1,082
Employee expense	631	613
Other expense	3,033	2,337
Total noninterest expense	41,962	42,314
Income before income tax	14,717	15,316
Provision for income taxes	2,622	2,795
Net Income	$ 12,095	$ 12,521
Basic earnings per common share (in Dollars per share)	$ 1.77	$ 1.79
Diluted earnings per common share (in Dollars per share)	$ 1.75	$ 1.77

SBFG Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 22,965	$ 27,817
Interest bearing time deposits	1,535	2,131
Available-for-sale securities	219,708	238,780
Loans held for sale	2,525	2,073
Loans, net of unearned income	1,000,212	962,075
Allowance for credit losses	(15,786)	(13,818)
Premises and equipment, net	21,378	22,829
Federal Reserve and Federal Home Loan Bank Stock, at cost	7,279	6,326
Foreclosed assets and other assets held for sale, net	511	777
Interest receivable	4,657	4,091
Goodwill	23,239	23,239
Cash value of life insurance	29,121	28,870
Mortgage servicing rights	13,906	13,503
Other assets	11,999	16,940
Total assets	1,343,249	1,335,633
Deposits
Non interest bearing demand	228,713	256,799
Interest bearing demand	166,413	191,719
Savings	216,965	191,272
Money market	202,605	255,995
Time deposits	255,509	190,880
Total deposits	1,070,205	1,086,665
Repurchase agreements	13,387	14,923
Federal Home Loan Bank advances	83,600	60,000
Trust preferred securities	10,310	10,310
Subordinated debt net of issuance costs	19,642	19,594
Interest payable	2,443	769
Other liabilities	19,320	24,944
Total liabilities	1,218,907	1,217,205
Commitments & Contingent Liabilities
Shareholders’ Equity
Preferred stock, no par value; authorized 200,000 shares; 2023 - 0 shares outstanding, 2022 - 0 shares outstanding
Common stock, no par value; 2023 - 10,500,000 shares authorized, 8,525,375 shares issued; 2022 - 10,500,000 shares authorized, 8,525,375 shares issued	61,319	61,319
Additional paid-in capital	15,124	15,087
Retained earnings	108,486	101,966
Accumulated other comprehensive loss	(29,831)	(32,120)
Treasury stock, at cost; (2023 - 1,756,733 common shares; 2022 - 1,589,913 common shares)	(30,756)	(27,824)
Total shareholders’ equity	124,342	118,428
Total liabilities and shareholders’ equity	$ 1,343,249	$ 1,335,633

About 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 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. The company was founded in 1902 and is headquartered in Defiance, Ohio.

CEO	Mr. Mark A. Klein
WEBSITE	yourstatebank.com
INDUSTRY	Banks Diversified
EMPLOYEES	253

SB Financial Group Inc Frequently Asked Questions

What is the ticker symbol for SB Financial Group Inc? What does SBFG stand for in stocks?

SBFG is the stock ticker symbol of SB Financial Group Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of SB Financial Group Inc (SBFG)?

As of Mon Apr 29 2024, market cap of SB Financial Group Inc is 92.58 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of SBFG stock?

You can check SBFG's fair value in chart for subscribers.

What is the fair value of SBFG stock?

You can check SBFG's fair value in chart for subscribers. The fair value of SB Financial Group Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of SB Financial Group Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for SBFG so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is SB Financial Group Inc a good stock to buy?

The fair value guage provides a quick view whether SBFG is over valued or under valued. Whether SB Financial Group Inc is cheap or expensive depends on the assumptions which impact SB Financial Group Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for SBFG.

What is SB Financial Group Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Mon Apr 29 2024, SBFG's PE ratio (Price to Earnings) is 7.65 and Price to Sales (PS) ratio is 1.59. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. SBFG PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on SB Financial Group Inc's stock?

In the past 10 years, SB Financial Group Inc has provided 0.082 (multiply by 100 for percentage) rate of return.