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SB Financial Group, Inc.(SBFG)Earnings, Financials & Key Ratios
SBFG•NASDAQ•Banking & Credit
10.6× P/E·Price updated Jun 13, 2026
AboutSB Financial Group, Inc. 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. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. 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 incorporated in 1983 and is headquartered in Defiance, Ohio.Show more
- Net Interest Income$48M+21.4%
- Total Revenue$91M+11.9%
- Net Income$14M+21.8%
- Return on Equity10.4%+14.2%
- Net Interest Margin3.14%+8.3%
- Efficiency Ratio51.63%-2.2%
- ROA0.96%+13.4%
- Equity / Assets9.14%-1.1%
- Book Value per Share22.11+15.8%
- Tangible BV/Share15.47+15.6%
- Debt/Equity0.53+2.7%
SBFG Key Insights
SB Financial Group, Inc. (SBFG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 51.6% efficiency ratio
- ✓12 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.6%
- ✓Share count reduced 4.4% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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SBFG Price & Volume
SB Financial Group, Inc. (SBFG) stock price & volume — 10-year historical chart
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SBFG Growth Metrics
SB Financial Group, Inc. (SBFG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.14%
5 Years4.59%
3 Years13.17%
TTM-
Profit CAGR
10 Years6.25%
5 Years-1.33%
3 Years3.73%
TTM21.83%
EPS CAGR
10 Years6.84%
5 Years3.21%
3 Years7.36%
TTM28.66%
Return on Capital
10 Years8.05%
5 Years6.51%
3 Years4.62%
Last Year1.99%
SBFG Recent Earnings
SB Financial Group, Inc. (SBFG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (89%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 23, 2026EPS
$0.63
Est $0.60
+5.0%
Revenue
$17M
Est $13M
+38.3%
Q2 2026
Mar 6, 2026EPS
$0.63
Revenue
$23M
Q1 2026
Jan 29, 2026EPS
$0.65
Est $0.64
+1.6%
Revenue
$17M
Est $12M
+34.8%
Q4 2025
Oct 30, 2025EPS
$0.68
Est $0.62
+9.7%
Revenue
$17M
Est $12M
+34.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.63vs $0.60+5.0% | $17Mvs $13M+38.3% |
| Q2 2026 | Mar 6, 2026 | $0.63 | $23M |
| Q1 2026 | Jan 29, 2026 | $0.65vs $0.64+1.6% | $17Mvs $12M+34.8% |
| Q4 2025 | Oct 30, 2025 | $0.68vs $0.62+9.7% | $17Mvs $12M+34.8% |
Based on last 12 quarters of dataView full earnings history →
SBFG Peer Comparison
SB Financial Group, Inc. (SBFG) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MVBF | 365.05M | 28.42 | 13.80 | 18.96% | 13.74% | 8.46% | 0.23 | |
 CFFI | 251.35M | 77.20 | 9.31 | 11.78% | 14.6% | 10.82% | 0.44 | |
 WAFD | 2.85B | 37.07 | 14.10 | -1.58% | 17.46% | 8.02% | 0.60 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 LKFN | 1.61B | 61.83 | 15.42 | -1.93% | 24.51% | 14.19% | 0.24 | |
 HFWA | 987.28M | 29.04 | 14.82 | 5.92% | 20.1% | 7.51% | 0.05 | |
 OVBC | 236.16M | 50.13 | 15.15 | 5.93% | 16.56% | 9.58% | 0.32 |
Compare SBFG vs Peers
SB Financial Group, Inc. (SBFG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SBFG Income Statement
SB Financial Group, Inc. (SBFG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 28.39M | 33.27M | 34.83M | 35.93M | 37.88M | 39.4M | 39.27M | 39.92M | 48.45M |
NII Growth % | 9.8% | 17.2% | 4.69% | 3.17% | 5.44% | 4% | -0.32% | 1.65% | 21.37% |
Net Interest Margin % | 3.24% | 3.37% | 3.35% | 2.86% | 2.85% | 2.95% | 2.92% | 2.89% | 3.14% |
Interest Income | 32.48M | 39.48M | 44.4M | 42.63M | 41.9M | 44.57M | 58.15M | 64.35M | 73.92M |
Interest Expense | 4.09M | 6.21M | 9.57M | 6.71M | 4.02M | 5.17M | 18.88M | 24.43M | 25.47M |
Loan Loss Provision | 400K | 600K | 800K | 4.5M | 1.05M | 0 | 315K | 124K | 1.31M |
Non-Interest Income | 17.22M | 16.62M | 18.02M | 30.1M | 30.7M | 18.23M | 17.72M | 17.02M | 17.11M |
Non-Interest Income % | 34.64% | 29.63% | 28.86% | 41.38% | 42.28% | 29.03% | 23.36% | 20.91% | 18.79% |
Total Revenue | 49.7M▲ 0% | 56.1M▲ 12.9% | 62.42M▲ 11.3% | 72.73M▲ 16.5% | 72.6M▼ 0.2% | 62.8M▼ 13.5% | 75.87M▲ 20.8% | 81.37M▲ 7.2% | 91.03M▲ 11.9% |
Revenue Growth % | 5.87% | 12.89% | 11.25% | 16.53% | -0.18% | -13.5% | 20.82% | 7.24% | 11.87% |
Non-Interest Expense | 31.58M | 34.85M | 37.41M | 43.09M | 44.81M | 42.31M | 41.96M | 42.96M | 47M |
Efficiency Ratio | 63.54% | 62.11% | 59.94% | 59.24% | 61.72% | 67.38% | 55.31% | 52.8% | 51.63% |
Operating Income | 13.63M▲ 0% | 14.44M▲ 6.0% | 14.63M▲ 1.3% | 18.44M▲ 26.0% | 22.72M▲ 23.2% | 15.32M▼ 32.6% | 14.72M▼ 3.9% | 13.86M▼ 5.9% | 17.25M▲ 24.5% |
Operating Margin % | 27.42% | 25.75% | 23.44% | 25.35% | 31.3% | 24.39% | 19.4% | 17.03% | 18.96% |
Operating Income Growth % | 5.61% | 6.01% | 1.3% | 26.02% | 23.23% | -32.6% | -3.91% | -5.85% | 24.53% |
Pretax Income | 13.63M▲ 0% | 14.44M▲ 6.0% | 14.63M▲ 1.3% | 18.44M▲ 26.0% | 22.72M▲ 23.2% | 15.32M▼ 32.6% | 14.72M▼ 3.9% | 13.86M▼ 5.9% | 17.25M▲ 24.5% |
Pretax Margin % | 27.42% | 25.75% | 23.44% | 25.35% | 31.3% | 24.39% | 19.4% | 17.03% | 18.96% |
Income Tax | 2.56M | 2.81M | 2.66M | 3.5M | 4.45M | 2.79M | 2.62M | 2.39M | 3.28M |
Effective Tax Rate % | 18.79% | 19.43% | 18.17% | 18.95% | 19.57% | 18.25% | 17.82% | 17.22% | 19.01% |
Net Income | 11.06M▲ 0% | 11.64M▲ 5.2% | 11.97M▲ 2.9% | 14.94M▲ 24.8% | 18.28M▲ 22.3% | 12.52M▼ 31.5% | 12.1M▼ 3.4% | 11.47M▼ 5.2% | 13.97M▲ 21.8% |
Net Margin % | 22.26% | 20.74% | 19.18% | 20.55% | 25.17% | 19.94% | 15.94% | 14.1% | 15.35% |
Net Income Growth % | 25.97% | 5.18% | 2.88% | 24.81% | 22.3% | -31.49% | -3.4% | -5.17% | 21.83% |
Net Income (Continuing) | 11.06M | 11.64M | 11.97M | 14.94M | 18.28M | 12.52M | 12.1M | 11.47M | 13.97M |
EPS (Diluted) | 1.66▲ 0% | 1.44▼ 13.3% | 1.44▲ 0.0% | 1.87▲ 29.9% | 2.44▲ 30.5% | 1.77▼ 27.5% | 1.75▼ 1.1% | 1.72▼ 1.7% | 2.19▲ 27.3% |
EPS Growth % | 26.72% | -13.25% | 0% | 29.86% | 30.48% | -27.46% | -1.13% | -1.71% | 27.33% |
EPS (Basic) | 2.00 | 1.64 | 1.62 | 1.87 | 2.45 | 1.79 | 1.77 | 1.72 | 2.19 |
Diluted Shares Outstanding | 6.67M | 8.1M | 8.33M | 8.02M | 7.49M | 7.04M | 6.92M | 6.68M | 6.39M |
SBFG Balance Sheet
SB Financial Group, Inc. (SBFG) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 109.41M | 139.33M | 128.01M | 295.92M | 415.41M | 268.73M | 244.21M | 199.25M | 79.46M |
Cash & Due from Banks | 26.62M | 48.36M | 27.06M | 146.51M | 152.15M | 29.95M | 24.5M | 27.49M | 71.54M |
Short Term Investments | 82.79M | 91.04M | 100.95M | 149.41M | 263.26M | 238.78M | 219.71M | 171.76M | 7.92M |
Total Investments | 775.44M | 859.26M | 925.27M | 1.02B | 1.08B | 1.19B | 1.21B | 1.24B | 1.24B |
Investments Growth % | 5.9% | 10.81% | 7.68% | 9.89% | 6.39% | 10% | 1.45% | 2.72% | -0.02% |
Long-Term Investments | 692.65M | 768.29M | 824.32M | 867.41M | 818.49M | 951.11M | 987.46M | 1.07B | 1.17B |
Accounts Receivables | 1.82M | 2.82M | 3.11M | 3.8M | 2.92M | 4.09M | 4.66M | 4.91M | 5.49M |
Goodwill & Intangibles | 26.32M | 27.77M | 28.85M | 29.85M | 35.23M | 36.74M | 37.15M | 38.11M | 42.41M |
Goodwill | 16.41M | 16.4M | 17.83M | 22.09M | 23.19M | 23.24M | 23.24M | 23.24M | 27.16M |
Intangible Assets | 9.91M | 11.37M | 11.02M | 7.76M | 12.03M | 13.5M | 13.91M | 14.87M | 15.25M |
PP&E (Net) | 21.28M | 22.08M | 23.39M | 23.56M | 23.21M | 22.83M | 21.38M | 20.46M | 21.69M |
Other Assets | 25.15M | 26.53M | 30.91M | 37.31M | 35.6M | 52.14M | 48.4M | 48.56M | 235.56M |
Total Current Assets | 111.23M | 142.15M | 131.12M | 299.72M | 418.33M | 272.82M | 248.87M | 204.16M | 79.46M |
Total Non-Current Assets | 765.4M | 844.67M | 907.46M | 958.12M | 912.52M | 1.06B | 1.09B | 1.18B | 1.47B |
Total Assets | 876.63M▲ 0% | 985.9M▲ 12.5% | 1.04B▲ 5.3% | 1.26B▲ 21.1% | 1.33B▲ 5.8% | 1.34B▲ 0.4% | 1.34B▲ 0.6% | 1.38B▲ 2.7% | 1.55B▲ 12.0% |
Asset Growth % | 7.43% | 12.46% | 5.34% | 21.11% | 5.8% | 0.36% | 0.57% | 2.7% | 12.02% |
Return on Assets (ROA) | 1.31% | 1.25% | 1.18% | 1.3% | 1.41% | 0.94% | 0.9% | 0.84% | 0.96% |
Accounts Payable | 592K | 909K | 1.19M | 616K | 299K | 769K | 2.44M | 2.35M | 2.46M |
Total Debt | 33.58M | 31.18M | 28.95M | 28.19M | 40.37M | 94.52M | 116.63M | 65.28M | 74.28M |
Net Debt | 6.97M | -17.18M | 1.88M | -118.32M | -111.79M | 64.57M | 92.13M | 37.78M | 2.74M |
Long-Term Debt | 18.5M | 16M | 16M | 8M | 25.05M | 79.59M | 103.24M | 54.69M | 65.05M |
Short-Term Debt | 15.08M | 15.18M | 12.95M | 20.19M | 15.32M | 14.92M | 13.39M | 10.59M | 9.23M |
Other Liabilities | 18.85M | 21.75M | 32.13M | 37.1M | 32.22M | 35.25M | 29.63M | 31.78M | 1.34B |
Total Current Liabilities | 745.27M | 818.64M | 854.36M | 1.07B | 1.13B | 1.1B | 1.09B | 1.17B | 21.73M |
Total Non-Current Liabilities | 37.35M | 37.75M | 48.13M | 45.1M | 57.26M | 114.85M | 132.87M | 86.47M | 1.4B |
Total Liabilities | 782.63M | 855.46M | 902.48M | 1.11B | 1.19B | 1.22B | 1.22B | 1.25B | 1.4B |
Total Equity | 94M▲ 0% | 130.44M▲ 38.8% | 136.09M▲ 4.3% | 142.92M▲ 5.0% | 144.93M▲ 1.4% | 118.43M▼ 18.3% | 124.34M▲ 5.0% | 127.51M▲ 2.5% | 141.24M▲ 10.8% |
Equity Growth % | 8.61% | 38.76% | 4.34% | 5.02% | 1.4% | -18.29% | 4.99% | 2.55% | 10.77% |
Equity / Assets (Capital Ratio) | 10.72% | 13.23% | 13.1% | 11.36% | 10.89% | 8.87% | 9.26% | 9.24% | 9.14% |
Return on Equity (ROE) | 12.26% | 10.37% | 8.98% | 10.71% | 12.7% | 9.51% | 9.96% | 9.11% | 10.4% |
Book Value per Share | 14.10 | 16.09 | 16.33 | 17.83 | 19.36 | 16.82 | 17.98 | 19.09 | 22.11 |
Tangible BV per Share | 10.15 | 12.67 | 12.87 | 14.10 | 14.65 | 11.60 | 12.61 | 13.38 | 15.47 |
Common Stock | 12.57M | 40.48M | 54.46M | 54.46M | 54.46M | 61.32M | 61.32M | 61.32M | 61.32M |
Additional Paid-in Capital | 15.4M | 15.23M | 15.02M | 14.85M | 14.94M | 15.09M | 15.12M | 15.19M | 15.16M |
Retained Earnings | 55.42M | 64.01M | 72.7M | 84.58M | 99.72M | 101.97M | 108.49M | 116.19M | 126.31M |
Accumulated OCI | -141K | -552K | 659K | 2.21M | -1.84M | -32.12M | -29.83M | -30.23M | -21.48M |
Treasury Stock | -3.25M | -2.71M | -6.75M | -13.17M | -22.35M | -27.82M | -30.76M | -34.96M | -40.07M |
Preferred Stock | 13.98M | 13.98M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SBFG Cash Flow Statement
SB Financial Group, Inc. (SBFG) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 9.8M | 13.85M | 18.83M | 23.91M | 17.26M | 25.57M | 13.99M | 9.45M | 24.04M |
Operating CF Growth % | -30.11% | 41.28% | 35.95% | 26.97% | -27.82% | 48.17% | -45.29% | -32.44% | 154.35% |
Net Income | 11.06M | 11.64M | 11.97M | 14.94M | 18.28M | 12.52M | 12.1M | 11.47M | 13.97M |
Depreciation & Amortization | 2.71M | 2.93M | 4.01M | 6.75M | 6.22M | 4.01M | 3.57M | 3.55M | 0 |
Deferred Taxes | -788K | 324K | -279K | -2.44M | 2.3M | 2.71M | 1.88M | 2.02M | 0 |
Other Non-Cash Items | -2.38M | -2.65M | -3.98M | 3.56M | -6.13M | 3.08M | -2.71M | -5.92M | 9.22M |
Working Capital Changes | -1.11M | 1.33M | 6.68M | 716K | -3.86M | 2.68M | -1.41M | -2.3M | 844K |
Cash from Investing | -49.53M | -87.59M | -67.61M | -57.22M | -71.99M | -165.67M | -17.39M | -28.95M | -68.08M |
Purchase of Investments | -29.85M | -29.28M | -38.45M | -129.8M | -170.69M | -50.62M | -1.81M | -2.89M | 0 |
Sale/Maturity of Investments | 36.5M | 20.23M | 29.9M | 84.02M | 50.47M | 35.88M | 22.17M | 18.79M | 0 |
Net Investment Activity | 6.66M | -9.05M | -8.55M | -45.77M | -120.22M | -14.74M | 20.36M | 15.9M | 0 |
Acquisitions | 0 | 0 | -2.6M | 16.26M | -1.1M | 0 | 0 | 0 | 0 |
Other Investing | -52.47M | -76.53M | -54.42M | -25.72M | 51.76M | -149.03M | -36.79M | -43.62M | -68.08M |
Cash from Financing | 49.33M | 95.48M | 27.49M | 146.94M | 63.55M | 18.41M | -1.45M | 22.46M | 89.66M |
Dividends Paid | -2.34M | -3.06M | -3.28M | -3.07M | -3.14M | -3.42M | -3.58M | -3.77M | -3.85M |
Share Repurchases | -1.78M | -109K | -5.05M | -7.17M | -9.52M | -5.9M | -3.47M | -4.77M | -5.69M |
Stock Issued | 0 | 27.91M | 139K | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -1.78M | 27.8M | -4.91M | -7.17M | -9.52M | -5.9M | -3.47M | -4.77M | -5.69M |
Debt Issuance (Net) | -1000K | -1000K | 0 | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 61.45M | 73.25M | 35.68M | 165.17M | 78.71M | -26.78M | -18M | 79.6M | 100.2M |
Net Change in Cash | 9.6M▲ 0% | 21.75M▲ 126.4% | -21.3M▼ 197.9% | 113.63M▲ 633.5% | 8.82M▼ 92.2% | -121.69M▼ 1479.6% | -4.85M▲ 96.0% | 2.96M▲ 161.1% | 45.62M▲ 1439.5% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 17.01M | 26.62M | 48.36M | 27.06M | 140.69M | 149.51M | 27.82M | 22.96M | 25.93M |
Cash at End | 26.62M | 48.36M | 27.06M | 140.69M | 149.51M | 27.82M | 22.96M | 25.93M | 71.54M |
Interest Paid | 3.91M | 5.89M | 9.29M | 7.28M | 4.34M | 4.7M | 17.2M | 24.52M | 25.58M |
Income Taxes Paid | 3.1M | 1.87M | 3.08M | 5.18M | 4.23M | 0 | 0 | 417K | 2.05M |
Free Cash Flow | 6.09M▲ 0% | 11.85M▲ 94.6% | 16.79M▲ 41.6% | 21.93M▲ 30.6% | 14.83M▼ 32.4% | 23.67M▲ 59.6% | 13.03M▼ 45.0% | 8.22M▼ 36.9% | 21.44M▲ 160.7% |
FCF Growth % | -50.86% | 94.63% | 41.64% | 30.63% | -32.37% | 59.63% | -44.95% | -36.9% | 160.73% |
SBFG Banking Ratios
SB Financial Group, Inc. (SBFG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.47% | 12.26% | 10.37% | 8.98% | 10.71% | 12.7% | 9.51% | 9.96% | 9.11% | 10.4% |
| Return on Assets (ROA) | 1.13% | 1.31% | 1.25% | 1.18% | 1.3% | 1.41% | 0.94% | 0.9% | 0.84% | 0.96% |
| Net Interest Margin | 3.17% | 3.24% | 3.37% | 3.35% | 2.86% | 2.85% | 2.95% | 2.92% | 2.89% | 3.14% |
| Efficiency Ratio | 64.11% | 63.54% | 62.11% | 59.94% | 59.24% | 61.72% | 67.38% | 55.31% | 52.8% | 51.63% |
| Equity / Assets | 10.61% | 10.72% | 13.23% | 13.1% | 11.36% | 10.89% | 8.87% | 9.26% | 9.24% | 9.14% |
| Book Value / Share | 12.93 | 14.1 | 16.09 | 16.33 | 17.83 | 19.36 | 16.82 | 17.98 | 19.09 | 22.11 |
| NII Growth | 10.75% | 9.8% | 17.2% | 4.69% | 3.17% | 5.44% | 4% | -0.32% | 1.65% | 21.37% |
| Dividend Payout | 13.43% | 12.31% | 17.96% | 19.47% | 20.54% | 17.17% | 27.27% | 29.63% | 32.87% | 27.54% |
Related:SBFG Dividend History·SBFG Revenue History·SBFG Price History·SBFG P/E History·SBFG Financial Ratios·SBFG Institutional Holders
SBFG SEC Filings & Documents
SB Financial Group, Inc. (SBFG) SEC filings — annual & quarterly reports (10-K, 10-Q)
SBFG Frequently Asked Questions
SB Financial Group, Inc. (SBFG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
SB Financial Group, Inc. (SBFG) grew revenue by 11.9% over the past year. This is steady growth.
Yes, SB Financial Group, Inc. (SBFG) is profitable, generating $14.0M in net income for fiscal year 2025 (15.4% net margin).
Dividend & Returns
Yes, SB Financial Group, Inc. (SBFG) pays a dividend with a yield of 2.58%. This makes it attractive for income-focused investors.
SB Financial Group, Inc. (SBFG) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.
Industry Metrics
SB Financial Group, Inc. (SBFG) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
SB Financial Group, Inc. (SBFG) has an efficiency ratio of 51.6%. This is excellent, indicating strong cost control.