Saturday 17 October 2026
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SB Financial Group, Inc.
SBFG Financial Banks Regional
SB Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $91.0 million, up 11.9% from fiscal 2024. In the quarter to June 2026, revenue grew 5.49%, EPS grew 20.0%, free cash flow grew 255.7% and total debt fell 22.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
29.53
0.19
+0.65%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.12 | 12.16 | 8.79 | 9.35 | 7.55 | 9.33 | 11.45 | 9.57 | 8.70 | 9.96 |
Piotroski F-Score |
9 | 5 | 6 | 5 | 5 | 7 | 5 | 6 | 6 | 7 |
P/S ratio |
1.56 | 1.71 | 1.41 | 1.87 | 1.83 | 1.82 | 2.04 | 1.82 | 1.77 | 1.66 |
P/FCF ratio |
6.62 | 16.94 | 8.20 | 4.95 | 8.95 | 5.96 | 7.56 | 8.51 | 14.45 | 6.27 |
P/Operating CF |
17.15 | 23.38 | 15.78 | 9.19 | 11.80 | 7.15 | 8.38 | 14.68 | 14.95 | 13.92 |
P/B ratio |
1.00 | 1.09 | 0.86 | 0.99 | 0.92 | 0.93 | 0.93 | 0.88 | 1.10 | 1.07 |
Price to Tangible BV |
1.44 | 1.56 | 1.23 | 1.43 | 1.21 | 1.17 | 1.18 | 1.15 | 1.64 | 1.63 |
EV/Sales |
1.36 | 2.05 | 2.45 | 2.66 | 0.08 | (0.08) | 1.86 | 1.24 | 1.53 | 1.86 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.15 | 17.61 | 13.27 | 6.53 | 0.32 | (0.25) | 6.16 | 5.03 | 7.77 | 6.22 |
EV/FCF |
5.78 | 20.25 | 14.24 | 7.05 | 0.37 | (0.27) | 6.90 | 5.81 | 12.51 | 7.03 |
Quick Ratio |
0.06 | 0.02 | 0.02 | 0.03 | 0.13 | 0.14 | 0.03 | 0.06 | 0.04 | 0.02 |
Current Ratio |
0.94 | 0.92 | 0.94 | 0.89 | 0.86 | 0.95 | 1.00 | 1.00 | 0.97 | 0.96 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.54% | 3.96% | 7.69% | 5.96% | 1.88% | 0.64% | 1.54% | 1.62% | 2.11% | 3.25% |
Debt/Equity |
0.39 | 0.43 | 0.83 | 0.67 | 0.17 | 0.06 | 0.12 | 0.12 | 0.20 | 0.31 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.72 | 0.82 | 1.16 | 2.04 | 0.94 | 1.60 | 1.71 | 1.30 | 0.97 | 1.80 |
Capex/Depreciation |
(0.56) | (0.30) | (0.23) | (0.39) | (0.60) | (0.23) | (0.47) | (0.56) | (1.14) | (0.43) |
| 10.40% | 9.11% | 9.96% | 9.51% | 12.70% | 10.71% | 8.73% | 10.85% | 13.23% | 11.17% | |
| 0.96% | 0.84% | 0.90% | 0.94% | 1.41% | 1.30% | 1.09% | 1.14% | 1.19% | 1.01% | |
ROIC |
8.75% | 5.60% | 4.53% | 5.70% | 79.69% | 261.32% | 7.31% | 9.20% | 10.37% | 8.40% |
Return on Tangible Assets |
(26.45%) | (15.44%) | (24.91%) | (13.16%) | (13.64%) | (52.32%) | 47.49% | 46.80% | 1,234.85% | (149.66%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.07% | 52.95% | 55.72% | 67.38% | 63.16% | 65.43% | 61.22% | 63.18% | 64.35% | 65.70% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
0.59% | 0.78% | 0.76% | 0.90% | 0.61% | 0.53% | 0.67% | 0.50% | 0.61% | 0.24% |
Graham Net Nets |
(1.13) | (1.30) | (1.90) | (1.99) | (1.62) | (0.73) | (0.38) | (0.36) | (0.66) | (0.90) |
Graham Number |
33.13 | 27.22 | 27.00 | 26.09 | 33.79 | 28.08 | 27.20 | 25.68 | 26.68 | 22.04 |
Earnings Yield |
9.88% | 8.23% | 11.37% | 10.70% | 13.24% | 10.72% | 8.74% | 10.45% | 11.49% | 10.04% |
Free Cash Flow Yield |
15.11% | 5.90% | 12.19% | 20.20% | 11.18% | 16.77% | 13.23% | 11.75% | 6.92% | 15.96% |
Revenue per Share |
14.29 | 12.22 | 11.11 | 8.97 | 10.25 | 9.55 | 9.21 | 8.62 | 9.83 | 9.17 |
Operating CF per Share |
3.77 | 1.42 | 2.05 | 3.65 | 2.44 | 3.14 | 2.78 | 2.13 | 1.94 | 2.74 |
Capex per Share |
(0.41) | (0.18) | (0.14) | (0.27) | (0.34) | (0.22) | (0.30) | (0.29) | (0.73) | (0.32) |
Free Cash Flow per Share |
3.37 | 1.23 | 1.91 | 3.38 | 2.09 | 2.92 | 2.48 | 1.84 | 1.20 | 2.42 |
Cash per Share |
11.41 | 4.13 | 3.59 | 4.28 | 21.48 | 19.25 | 3.99 | 7.43 | 6.00 | 3.32 |
Shareholders Equity per Share |
22.18 | 19.15 | 18.21 | 16.91 | 20.46 | 18.77 | 20.08 | 20.04 | 18.58 | 16.90 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
22.18 | 19.15 | 18.21 | 16.91 | 20.46 | 18.77 | 20.08 | 20.04 | 18.58 | 16.90 |
Free Cash Flow |
21.44 | 8.22 | 13.03 | 23.67 | 14.83 | 22.23 | 16.81 | 11.99 | 6.09 | 12.40 |
Working Capital |
(74.52) | (94.73) | (69.93) | (117.99) | (157.21) | (52.12) | (0.17) | 0.70 | (20.46) | (24.35) |
Capital Expenditures |
(2.60) | (1.23) | (0.96) | (1.90) | (2.43) | (1.68) | (2.02) | (1.86) | (3.71) | (1.63) |
Net Current Asset Value |
(159.72) | (181.20) | (202.80) | (232.84) | (214.47) | (97.22) | (48.30) | (37.05) | (57.81) | (69.79) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.01 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.07 | 0.03 |
Price to Operating Income |
8.22 | 10.05 | 7.26 | 7.65 | 5.84 | 7.19 | 8.69 | 7.06 | 6.46 | 6.02 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.21 | 0.20 | 0.19 | 0.22 | 0.17 | 0.31 | 0.19 | 0.15 | 0.15 | 0.20 |
Cash ROIC |
7.98% | 3.92% | 5.17% | 10.38% | 4.60% | 7.47% | 9.38% | 6.15% | 4.26% | 9.53% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
18,735.78 | 17,222.78 | 20,690.97 | 76,718.13 | 101,060.06 | 57,105.00 | 32,032.58 | 47,155.74 | 65,047.39 | 76,820.40 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,229.92 | 1,111.41 | 1,078.44 | 1,099.86 | 1,081.03 | 944.62 | 821.39 | 766.08 | 701.34 | 629.76 |
Average Assets |
1,462.44 | 1,361.38 | 1,339.44 | 1,333.24 | 1,294.35 | 1,148.21 | 1,012.70 | 931.73 | 846.32 | 774.54 |
Average Common Equity |
134.37 | 125.93 | 121.39 | 131.68 | 143.93 | 139.51 | 126.28 | 98.24 | 76.29 | 69.91 |
Columns are period end dates