SB Financial Group (SBFG) Stock Price

SB Financial Group Price

NASDAQ·CLOSED
27.24USD+0.69 (+2.57 %)
Market closed

Over the last 19 years SB Financial Group grew revenue by 2.8% annually, reaching 65.56 M USD. Earnings per share have grown at 8.0% per year over the last 19 years. For SB Financial Group, the net margin of 21.3% is down versus 26.7% a few years ago. At today's price the dividend yield works out to roughly 2.20%. The payout ratio is around 27% of earnings. The dividend has grown at 5.7% per year over the past 19 years. The consensus 12-month price target for SB Financial Group is 24.48 USD, about 10.1% below where the stock trades today. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 50% above its 52-week low.

SB Financial Group stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of SB Financial Group over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how SB Financial Group stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing SB Financial Group's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

SB Financial Group Stock Price History
DateSB Financial Group Price
8/11/202627.24 USD
8/10/202626.55 USD
8/7/202626.97 USD
8/6/202627.06 USD
8/5/202626.31 USD
8/4/202626.45 USD
8/3/202626.65 USD
7/31/202626.28 USD
7/30/202626.60 USD
7/29/202626.11 USD
7/28/202626.62 USD
7/27/202626.86 USD
7/23/202626.67 USD
7/22/202626.35 USD
7/21/202627.32 USD
7/20/202626.97 USD
7/17/202627.08 USD
7/16/202627.66 USD
7/15/202626.71 USD
7/14/202626.44 USD
7/13/202626.38 USD
7/10/202626.27 USD
7/9/202625.82 USD
7/8/202625.63 USD
7/7/202626.13 USD
7/6/202625.08 USD
7/2/202625.08 USD
7/1/202625.59 USD
6/30/202625.27 USD
6/29/202624.46 USD
6/26/202624.75 USD
6/25/202623.43 USD
6/24/202623.81 USD
6/23/202623.15 USD
6/22/202622.83 USD
6/18/202623.01 USD
6/17/202622.51 USD
6/16/202622.33 USD
6/15/202622.93 USD
6/12/202623.31 USD
6/11/202622.85 USD
6/10/202622.67 USD
6/9/202622.89 USD
6/8/202622.24 USD
6/5/202622.22 USD
6/4/202622.10 USD
6/3/202621.03 USD
6/2/202621.15 USD
6/1/202621.38 USD
5/29/202621.60 USD
5/28/202621.98 USD
5/27/202622.21 USD
5/26/202622.30 USD
5/22/202621.82 USD
5/21/202621.50 USD
5/20/202621.77 USD
5/19/202621.58 USD
5/18/202621.40 USD
5/15/202621.26 USD
5/14/202621.87 USD
5/13/202621.96 USD
5/12/202622.48 USD
5/11/202622.34 USD
5/8/202622.28 USD
5/7/202622.80 USD
5/6/202622.47 USD
5/5/202621.79 USD
5/4/202621.53 USD
5/1/202621.69 USD
4/30/202620.84 USD
4/29/202621.25 USD
4/28/202622.47 USD
4/27/202622.34 USD
4/24/202622.18 USD
4/22/202621.59 USD
4/21/202620.99 USD
4/20/202621.92 USD
4/17/202622.54 USD
4/16/202621.94 USD
4/15/202622.17 USD
4/14/202622.53 USD
4/13/202622.43 USD
4/10/202622.30 USD
4/9/202622.22 USD
4/8/202622.37 USD
4/7/202621.07 USD
4/6/202620.62 USD
4/2/202620.48 USD
4/1/202620.76 USD
3/31/202621.00 USD
3/30/202621.22 USD
3/27/202620.58 USD
3/26/202620.60 USD
3/25/202620.18 USD
3/24/202620.47 USD
3/23/202620.82 USD
3/20/202619.98 USD
3/19/202620.01 USD
3/18/202620.01 USD
3/17/202620.24 USD
3/16/202620.31 USD
3/13/202619.88 USD
3/12/202620.27 USD
3/11/202620.23 USD
3/10/202620.16 USD
3/9/202620.37 USD
3/6/202620.37 USD
3/5/202620.63 USD
3/4/202620.64 USD
3/3/202620.56 USD
3/2/202620.71 USD
2/27/202620.76 USD
2/26/202621.20 USD
2/25/202621.07 USD
2/24/202620.81 USD
2/23/202621.20 USD
2/20/202621.66 USD
2/19/202621.39 USD
2/18/202621.16 USD
2/17/202621.25 USD
2/13/202620.93 USD
2/12/202621.09 USD
2/11/202621.20 USD
2/10/202621.22 USD
2/9/202621.67 USD
2/6/202622.12 USD
2/5/202622.14 USD
2/4/202622.21 USD
2/3/202622.23 USD
2/2/202622.52 USD
1/30/202622.83 USD
1/29/202622.58 USD
1/28/202621.74 USD
1/27/202622.10 USD
1/26/202622.07 USD
1/23/202622.02 USD
1/22/202622.96 USD
1/21/202622.49 USD
1/20/202621.57 USD
1/16/202622.05 USD
1/15/202621.83 USD
1/14/202621.60 USD
1/13/202621.10 USD
1/12/202621.21 USD
1/9/202621.02 USD
1/8/202621.32 USD
1/7/202620.92 USD
1/6/202621.60 USD
1/5/202622.13 USD
1/2/202621.37 USD
12/31/202522.27 USD
12/30/202522.00 USD
12/29/202521.64 USD
12/26/202521.89 USD
12/24/202522.00 USD
12/23/202522.28 USD
12/22/202522.36 USD
12/19/202523.07 USD
12/18/202523.57 USD
12/17/202523.36 USD
12/16/202523.52 USD
12/15/202523.74 USD
12/12/202523.03 USD
12/11/202523.56 USD
12/10/202522.82 USD
12/9/202521.82 USD
12/8/202521.42 USD
12/5/202521.23 USD
12/4/202521.70 USD
12/3/202521.78 USD
12/2/202521.18 USD
12/1/202521.71 USD
11/28/202521.40 USD
11/26/202521.62 USD
11/25/202521.50 USD
11/24/202520.70 USD
11/21/202521.13 USD
11/20/202519.89 USD
11/19/202519.91 USD
11/18/202519.75 USD
11/17/202519.62 USD
11/14/202520.38 USD
11/13/202521.37 USD
11/12/202521.20 USD
11/11/202520.77 USD
11/10/202521.12 USD
11/7/202521.65 USD
11/6/202520.80 USD
11/5/202520.60 USD
11/4/202519.66 USD
11/3/202518.72 USD
10/31/202519.56 USD
10/30/202518.85 USD
10/29/202518.76 USD
10/28/202519.34 USD
10/27/202519.28 USD
10/24/202519.24 USD
10/23/202519.28 USD
10/22/202519.85 USD
10/21/202519.69 USD
10/20/202519.55 USD
10/17/202518.71 USD
10/16/202518.44 USD
10/15/202519.76 USD
10/14/202519.79 USD
10/13/202518.96 USD
10/10/202518.22 USD
10/9/202518.62 USD
10/8/202519.20 USD
10/7/202519.09 USD
10/6/202519.45 USD
10/3/202519.19 USD
10/2/202519.07 USD
10/1/202519.10 USD
9/30/202519.29 USD
9/29/202519.54 USD
9/28/202519.54 USD
9/25/202520.28 USD
9/24/202520.56 USD
9/23/202520.54 USD
9/22/202520.28 USD
9/19/202521.06 USD
9/18/202521.13 USD
9/17/202520.74 USD
9/16/202520.51 USD
9/15/202520.38 USD
9/12/202520.89 USD
9/11/202521.55 USD
9/10/202521.43 USD
9/9/202521.64 USD
9/8/202522.09 USD
9/5/202522.10 USD
9/4/202522.03 USD
9/3/202521.91 USD
9/2/202521.45 USD
8/29/202521.00 USD
8/28/202521.15 USD
8/27/202521.20 USD
8/26/202520.90 USD
8/25/202520.88 USD
8/22/202521.01 USD
8/21/202520.70 USD
8/20/202520.75 USD
8/19/202520.78 USD
8/18/202520.77 USD
8/15/202520.81 USD
8/14/202521.32 USD
8/13/202521.63 USD
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SB Financial Group Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
66.03 M USD
18.44 M USD
14.94 M USD
Jan 1, 2021
68.58 M USD
23.77 M USD
18.28 M USD
Jan 1, 2022
57.63 M USD
15.32 M USD
12.52 M USD
Jan 1, 2023
60.50 M USD
18.54 M USD
12.10 M USD
Jan 1, 2024
56.94 M USD
13.98 M USD
11.47 M USD
Jan 1, 2025
65.56 M USD
18.56 M USD
13.97 M USD
Jan 1, 2026 (e)
69.30 M USD
0.00 USD
15.78 M USD
Jan 1, 2027 (e)
71.80 M USD
0.00 USD
16.48 M USD

SB Financial Group Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 13, 2026, 6:41 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
40.0038.0037.0041.0046.0049.0056.0062.0072.0072.0062.0075.0081.0091.0069.0071.00
-2.44-5.00-2.6310.8112.206.5214.2910.7116.13–-13.8920.978.0012.35-24.182.90
85.0086.8489.1990.2491.3091.8487.5083.8784.7293.0691.9474.6769.1470.3370.3370.33
34.0033.0033.0037.0042.0045.0049.0052.0061.0067.0057.0056.0056.0064.0048.5349.93
20.7320.8120.9323.3425.8528.3933.2734.8335.9337.8839.4040.5939.9248.45––
14.8514.0512.8315.7117.8917.2216.6218.0230.1030.7018.2319.9117.0217.11––
1.350.900.451.100.750.400.600.80–1.05–0.320.121.31––
8.108.357.8012.1213.6514.0215.0415.4318.4423.7715.3218.5413.9818.56––
4.005.005.007.008.0011.0011.0011.0014.0018.0012.0012.0011.0013.0015.0016.00
300.0025.00–40.0014.2937.50––27.2728.57-33.33–-8.3318.1815.386.67
–0.120.160.200.240.280.320.360.400.440.480.520.560.600.630.69
––33.3325.0020.0016.6714.2912.5011.1110.009.098.337.697.145.009.52
5.115.135.306.726.686.658.438.197.817.327.026.856.606.276.276.27
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales SB Financial Group generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue SB Financial Group retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare SB Financial Group's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares SB Financial Group has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against SB Financial Group's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

SB Financial Group stock margins

The SB Financial Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of SB Financial Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for SB Financial Group.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
72.08 %
22.63 %
Jan 1, 2021
65.34 %
26.65 %
Jan 1, 2022
73.42 %
21.73 %
Jan 1, 2023
69.36 %
19.99 %
Jan 1, 2024
75.45 %
20.14 %
Jan 1, 2025
71.69 %
21.31 %
Jan 1, 2026 (e)
0.00 %
22.77 %
Jan 1, 2027 (e)
0.00 %
22.95 %

SB Financial Group Revenue per Share, Earnings per Share

The SB Financial Group earnings per share therefore indicates how much revenue SB Financial Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
8.45 USD
1.91 USD
Jan 1, 2021
9.37 USD
2.50 USD
Jan 1, 2022
8.21 USD
1.78 USD
Jan 1, 2023
8.83 USD
1.77 USD
Jan 1, 2024
8.63 USD
1.74 USD
Jan 1, 2025
10.46 USD
2.23 USD
Jan 1, 2026 (e)
10.85 USD
2.47 USD
Jan 1, 2027 (e)
11.24 USD
2.58 USD

SB Financial Group business model & stock analysis

SB Financial Group Inc was founded in 1983 in Ohio, USA, and has since become an institution in the financial sector. The company is a holding company that owns various subsidiaries in the banking and insurance sectors. The business model of SB Financial Group Inc is to support customers with tailored solutions in the areas of finance and insurance. This is achieved through a targeted combination of products that are designed to meet the specific needs and requirements of customers. The holding operates in the United States and offers a wide range of financial services. These include, for example, its own savings banks, asset management, securities trading, investment banking, insurance, and mortgage loans. As a regional bank in the Midwest, SB Financial Group Inc has expanded its presence and now offers customized solutions to both retail and corporate customers. In recent years, the company has placed a strong focus on organic growth. It has expanded its core competencies and launched new business fields. The focus here is on providing digital solutions and services that can better meet the needs and requirements of customers. For example, SB Financial Group Inc offers overdraft protection, mobile banking, and investment management. The bank of SB Financial Group Inc is headquartered in Ohio, was founded in 1986, and now operates 7 branches in Ohio and Indiana. The bank offers a wide range of banking products and services, including daily deposit accounts, savings and credit cards, online banking, investment services, loans, and mortgages. The bank is insured by the Federal Deposit Insurance Corporation (FDIC). Another subsidiary of SB Financial Group Inc is the insurance agency "Carmean & Associates Inc". It was founded in Ohio in 1996 as an independent insurance agency. Its focus is on property insurance for both private and business customers, including auto, home, and business liability insurance. Another business area of SB Financial Group Inc is reinvesting in communities and local projects. This involves commissioning larger investments for the development of residential and commercial areas. These investments contribute to the promotion of the economy in the region and strengthen the financial and economic situation of local communities. Overall, SB Financial Group Inc has expanded its portfolio of products and services in recent years to meet the changing needs and requirements of customers and businesses. Thanks to its focus on organic growth, the company has a strong foundation and will continue to play an important role in the financial sector.

SB Financial Group SWOT Analysis

Strengths

SB Financial Group Inc. has several key strengths that contribute to its success in the market. These strengths include:

  • Strong financial performance and stability
  • Broad range of diversified financial products and services
  • Solid reputation and a long-established presence in the industry
  • Strong and experienced management team
  • Effective marketing strategies and brand recognition

Weaknesses

Despite its strengths, SB Financial Group Inc. also faces certain weaknesses that can hinder its growth and market position. These weaknesses include:

  • Relatively small market share compared to larger competitors
  • Limited geographic presence and customer reach
  • Dependency on a specific sector or industry
  • Limited technological capabilities compared to leading industry players
  • Higher costs compared to some competitors

Opportunities

SB Financial Group Inc. has several opportunities to capitalize on and drive future growth. These opportunities include:

  • Expanding into new markets and regions
  • Growing demand for innovative financial products and services
  • Increasing consumer awareness and adoption of digital banking solutions
  • Potential for strategic partnerships and acquisitions
  • Changing regulatory landscape facilitating new opportunities

Threats

SB Financial Group Inc. faces certain threats that could potentially impede its growth and market position. These threats include:

  • Intense competition from larger financial institutions
  • Economic downturns and volatile market conditions
  • Rapid technological advancements requiring continuous investment
  • Changing consumer preferences and expectations
  • Regulatory challenges and compliance requirements

SB Financial Group Employees

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  • Max

SB Financial Group Employees
Details
Date
SB Financial Group Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

SB Financial Group Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

SB Financial Group historical P/E ratio, EBIT multiple, and P/S ratio

SB Financial Group annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

SB Financial Group shares outstanding

The number of shares of SB Financial Group was 6.27 M in 2025. This indicates how many shares SB Financial Group is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
7.81 M Stocks
Jan 1, 2021
7.32 M Stocks
Jan 1, 2022
7.02 M Stocks
Jan 1, 2023
6.85 M Stocks
Jan 1, 2024
6.60 M Stocks
Jan 1, 2025
6.27 M Stocks
Jan 1, 2026 (e)
6.27 M Stocks
Jan 1, 2027 (e)
6.27 M Stocks

SB Financial Group stock splits

In SB Financial Group's history, there have been no stock splits.

SB Financial Group Dividend History

21 years of dividend payments · 12 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.48USDYTD—3×
Feb 13, 20260.16USD 0.0%1/3
May 15, 20260.16USD↑ 3.2%2/3
Aug 14, 2026Declared0.16USD 0.0%3/3
20250.60USD↑ 7.1%4×
Feb 14, 20250.15USD 0.0%1/4
May 16, 20250.15USD↑ 3.4%2/4
Aug 15, 20250.15USD 0.0%3/4
Nov 14, 20250.16USD↑ 3.3%4/4
20240.56USD↑ 7.7%4×
20230.52USD↑ 8.3%4×
20220.48USD↑ 9.1%4×
20210.44USD↑ 10.0%4×
20200.40USD↑ 11.1%4×
20190.36USD↑ 12.5%4×
20180.32USD↑ 14.3%4×
20170.28USD↑ 16.7%4×

SB Financial Group dividend history and estimates

In 2025, SB Financial Group paid a dividend amounting to 0.60 USD. Dividend means that SB Financial Group distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.40 USD
0.00 USD
Jan 1, 2021
0.44 USD
0.00 USD
Jan 1, 2022
0.48 USD
0.00 USD
Jan 1, 2023
0.52 USD
0.00 USD
Jan 1, 2024
0.56 USD
0.00 USD
Jan 1, 2025
0.60 USD
0.00 USD
Jan 1, 2026 (e)
0.48 USD
0.16 USD
Jan 1, 2027 (e)
0.00 USD
0.69 USD

SB Financial Group dividend payout ratio

In 2025, SB Financial Group had a payout ratio of 26.90%. The payout ratio indicates the percentage of the company's profits that SB Financial Group distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
19.91 %
Jan 1, 2021
16.78 %
Jan 1, 2022
26.92 %
Jan 1, 2023
29.45 %
Jan 1, 2024
32.22 %
Jan 1, 2025
26.90 %
Jan 1, 2026 (e)
25.64 %
Jan 1, 2027 (e)
26.88 %

Current SB Financial Group forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
4.35 %
Buy
85.71 % (6)
Hold
14.29 % (1)
Sell
0.00 % (0)
12M Price Target
24.48
Last Price
27.24
Currency
USD
12M Return Potential
-10.13 %
LTM Return
0 %

SB Financial Group Earnings Calls

2025

SB Financial Group Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/23/20260.70USD--USD-2026 Q2
4/23/20260.61USD--USD-2026 Q1
1/29/20260.65USD--USD-2025 Q4
4/18/20240.33USD-9.59 MUSD-2024 Q1
1/24/20240.36USD-9.59 MUSD-2023 Q4
7/24/20230.47USD--USD-2023 Q2
4/26/20230.43USD--USD-2023 Q1
1/25/20230.46USD-10.25 MUSD-2022 Q4
11/1/20220.41USD-10.05 MUSD-2022 Q3
7/25/20220.34USD-8.93 MUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the SB Financial Group stock

20/100
2
Environment
21
Social
38
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

SB Financial Group shareholder structure

% Name
7.41575%
Manulife Investment Management (North America) Limited
Manulife Investment Management (North America) Limited
6.12057%
Cutler Capital Management, L.L.C.
Cutler Capital Management, L.L.C.
5.80405%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
4.45119%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
4.29184%
Strategic Value Bank Partners LLC
Strategic Value Bank Partners LLC
3.00712%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
...

SB Financial Group Beneficial Ownership Filings (SEC 13D/G)

Free Float
81.3%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
9.60%
SB Financial Group, Inc. Employee Stock Ownership Plan
SB Financial Group, Inc. Employee Stock Ownership Plan
SEC ↗
7.63%
Rurban Financial Corp. Employee Stock Ownership Plan
Rurban Financial Corp. Employee Stock Ownership Plan
SEC ↗
6.60%
13-4064930
13-4064930
SEC ↗
6.00%
Cutler Capital Management, LLC
Cutler Capital Management, LLC
SEC ↗
6.00%
Emanuel J. Friedman
Emanuel J. Friedman
SEC ↗
6.00%
EJF Sidecar Fund, Series LLC – Small Financial Equities Series
EJF Sidecar Fund, Series LLC – Small Financial Equities Series
SEC ↗
6.00%
EJF Capital LLC
EJF Capital LLC
SEC ↗
5.42%
Martin Friedman
Martin Friedman
SEC ↗
5.32%
Vanguard Capital Management
Vanguard Capital Management
SEC ↗
5.10%
Financial Opportunity Fund LLC
Financial Opportunity Fund LLC
SEC ↗

SB Financial Group Executives and Management Board

14 members · avg. age 65 · 14 % women

MK

Mr. Mark Klein (70)

Chairman of the Board, President, Chief Executive Officer · since 2006

681,704.00 USD

Management

AC

Mr. Anthony Cosentino (63)

Chief Financial Officer, Executive Vice President of the Company and State Bank

372,366.00 USD
EG

Mr. Ernesto Gaytan (53)

Executive Vice President, Chief Technology Innovation Officer

358,100.00 USD
DH

Mr. David Homoelle (57)

Residential Real Estate Executive

340,346.00 USD
KD

Ms. Keeta Diller (68)

Executive Vice President, Corporate Secretary

221,011.00 USD
SW

Mr. Steven Walz (54)

Executive Vice President and Chief Lending Officer of State Bank

–

Board of Directors

RH

Mr. Richard Hardgrove (86)

Lead Independent Director · since 2004

65,821.00 USD
GF

Mr. Gaylyn Finn (76)

Independent Director

54,821.00 USD
GC

Mr. George Carter (65)

Independent Director

48,821.00 USD
TH

Mr. Tom Helberg (65)

Independent Director

48,821.00 USD
TS

Mr. Timothy Stolly (67)

Independent Director

48,321.00 USD
TC

Mr. Timothy Claxton (60)

Independent Director

46,571.00 USD

Frequently asked questions about SB Financial Group

The business model of SB Financial Group Inc revolves around providing a range of financial services to individuals, businesses, and organizations. Through its subsidiary, State Bank and Trust Company, SB Financial Group Inc offers services such as commercial banking, trust and wealth management, mortgage banking, and insurance services. The company focuses on fostering strong customer relationships, offering personalized solutions, and promoting local economic growth within its market. With its comprehensive service offerings, SB Financial Group Inc aims to meet the diverse financial needs of its clients while ensuring profitability and long-term sustainability.

SB Financial Group Inc is primarily active in the financial industry.

The main competitors of SB Financial Group Inc in the market include banks like Huntington Bancshares, Fifth Third Bancorp, and KeyCorp.

SB Financial Group Inc, founded in 1983, is a diversified financial services company operating through its subsidiary, State Bank and Trust Company. With headquarters in Defiance, Ohio, SB Financial Group Inc provides a wide range of financial solutions to individuals and businesses. State Bank and Trust Company, the flagship subsidiary, offers commercial banking services, wealth management, investment advice, and trust services to customers throughout Ohio and Indiana. Over the years, SB Financial Group Inc has built a strong reputation for its commitment to personalized customer service and community involvement, making it a trusted choice for all your financial needs.

SB Financial Group Inc has achieved significant milestones since its inception. The company has successfully expanded its market presence and strengthened its position in the financial industry. Some noteworthy accomplishments include the successful acquisition and integration of several banks, which has contributed to the company's growth and enhanced its product offerings. SB Financial Group Inc has also exhibited a consistent track record of delivering strong financial performance, with impressive revenue and earnings growth year over year. Additionally, the company has garnered recognition for its commitment to customer satisfaction, winning accolades and achieving high ratings for its exceptional service. Overall, SB Financial Group Inc has achieved remarkable milestones, solidifying its place as a successful and prominent player in the financial sector.

SB Financial Group Inc is primarily present in the United States.

SB Financial Group Inc represents a strong commitment to its core values, which include integrity, transparency, and exceptional customer service. With a corporate philosophy focused on long-term partnerships and sustainable growth, the company strives to provide innovative financial solutions to its clients. SB Financial Group Inc understands the importance of building trust and maintaining strong relationships, which is reflected in its dedication to delivering personalized financial guidance and tailored solutions to meet the unique needs of every client. The company's commitment to these values has solidified its reputation as a trusted and reliable financial partner in the industry.

Analysts currently set an average price target of 24.48 USD for the SB Financial Group stock (median: 24.48 USD), implying -10.1 % versus the latest price. The consensus is based on 7 analyst ratings.

SB Financial Group Analyst Price Targets 2026

7 analysts currently rate the SB Financial Group stock: 6 recommend buying, 1 holding and 0 selling. For 2026, analysts expect SB Financial Group to generate revenue of 69.30 M USD and earnings per share of 2.52 USD.

SB Financial Group Analyst Price Targets 2026

Converted at the current exchange rate, the SB Financial Group share trades at 23.62 EUR (27.24 USD).

The SB Financial Group share (SBFG) is listed on 2 stock exchanges, including: NASDAQ (SBFG), Frankfurt (9KH.F).

The SB Financial Group Inc is an American financial services company based in Defiance, Ohio. The company is listed on the NASDAQ stock exchange and offers a wide range of financial services. Its business model is focused on providing financial products and services to retail customers, small and medium-sized enterprises, and public institutions. The SB Financial Group Inc's business model is divided into the following three divisions: 1. Community Banking: This division offers a wide range of banking services, including accounts, loans, cards, and investment services. The company operates multiple branches in the states of Ohio and Indiana, as well as an online banking platform that allows customers to conduct their banking transactions from anywhere. 2. Wealth Management and Trust Services: In this division, the SB Financial Group Inc offers financial planning, advisory, and management services. This includes asset management, financial management for families, trust services, and investment advice. The company works with a variety of clients, including foundations, utility providers, and businesses. 3. Insurance Services: In this division, the SB Financial Group Inc provides insurance services, including auto, home, commercial, health, and life insurance. The company works closely with its customers to develop individually tailored insurance solutions that meet the needs of each client. The core business of the SB Financial Group Inc lies in the Community Banking division, which offers the greatest potential for growth and brand penetration. Here, the company focuses on expanding and strengthening customer relationships by offering products and services that are tailored to their needs. Through the provision of high-quality services, the SB Financial Group Inc has built a strong customer base and established itself as a trusted financial services provider. Conclusion: The SB Financial Group Inc is a leading financial services company that offers a wide range of products and services to support customers in an individualized manner. The company is focused on growth and brand penetration, with an emphasis on expanding customer relationships and expanding its core business. With its strong customer base and reputation as a trusted financial services provider, the SB Financial Group Inc is well positioned to continue to be successful in the future.

The expected revenue of SB Financial Group is 69.30 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of SB Financial Group is 15.78 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of SB Financial Group is currently 10.82. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the SB Financial Group stock.

The price-to-sales ratio (P/S) of SB Financial Group is currently 2.46. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the SB Financial Group stock.

The Eulerpool Quality Score for SB Financial Group is 4/10.

The ISIN of SB Financial Group is US78408D1054. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of SB Financial Group is A1T9R8. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of SB Financial Group is SBFG. The ticker symbol is used to trade SB Financial Group shares on the stock exchange.

Over the past 12 months, SB Financial Group paid a dividend of 0.60 USD . This corresponds to a dividend yield of about 2.20 %. For the coming 12 months, SB Financial Group is expected to pay a dividend of 0.69 USD.

The current dividend yield of SB Financial Group is 2.20 %.

SB Financial Group pays a dividend, distributed in the months of , , , .

SB Financial Group paid dividends every year for the past 13 years.

For the upcoming 12 months, dividends amounting to 0.69 USD are expected. This corresponds to a dividend yield of 2.55 %.

SB Financial Group is assigned to the 'Finance' sector.

To receive the latest dividend of SB Financial Group from amounting to 0.16 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, SB Financial Group distributed 0.56 USD as dividends.

The dividends of SB Financial Group are distributed in USD.

All fundamentals and in-depth analysis of SB Financial Group

Our stock analysis for SB Financial Group stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of SB Financial Group. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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