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SB Financial Group, Inc. (SBFG) Financial Ratios

30 years of historical data (1996–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↑

10.64

+10% vs avg

5yr avg: 9.67

050%ile100

30Y Low5.1·High97.6

View P/E History →

EV/EBITDA

↑

7.69

-1% vs avg

5yr avg: 7.80

043%ile100

30Y Low0.8·High28.0

P/FCF

↓

6.85

↓-26% vs avg

5yr avg: 9.25

037%ile100

30Y Low0.9·High50.5

P/B Ratio

↑

1.05

+7% vs avg

5yr avg: 0.99

057%ile100

30Y Low0.3·High1.8

ROE

↓

10.4%

↓+1% vs avg

5yr avg: 10.3%

067%ile100

30Y Low-31%·High29%

Debt/EBITDA

↑

3.82

↓-6% vs avg

5yr avg: 4.05

048%ile100

30Y Low1.1·High18.5

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

SBFG Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

SB Financial Group, Inc. trades at 10.6x earnings, 10% above its 5-year average of 9.7x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 23%. On a free-cash-flow basis, the stock trades at 6.9x P/FCF, 26% below the 5-year average of 9.3x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$147M	$142M	$140M	$106M	$119M	$140M	$140M	$156M	$127M	$117M	$102M
Enterprise Value	$150M	$145M	$177M	$198M	$184M	$28M	$21M	$158M	$110M	$124M	$122M
P/E Ratio →	10.64	10.17	12.16	8.77	9.58	7.68	9.31	13.02	10.88	10.61	11.67
P/S Ratio	1.61	1.56	1.72	1.40	1.90	1.93	1.92	2.50	2.26	2.36	2.18
P/B Ratio	1.05	1.01	1.10	0.85	1.01	0.97	0.98	1.15	0.97	1.25	1.18
P/FCF	6.85	6.64	16.99	8.15	5.04	9.46	6.37	9.31	10.72	19.29	8.26
P/OCF	6.11	5.92	14.78	7.59	4.67	8.13	5.84	8.30	9.17	11.98	7.30

P/E links to full P/E history page with 30-year chart

SBFG EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

SB Financial Group, Inc.'s enterprise value stands at 7.7x EBITDA, roughly in line with its 5-year average of 7.8x. The Financial Services sector median is 11.5x, placing the stock at a 33% discount on an enterprise-value basis.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	1.59	2.18	2.61	2.93	0.39	0.29	2.53	1.96	2.50	2.61
EV / EBITDA	7.69	7.45	10.19	10.85	9.52	0.98	0.84	8.48	6.32	7.62	7.76
EV / EBIT	8.67	8.40	12.81	13.47	12.01	1.25	1.15	10.81	7.60	9.13	9.49
EV / FCF	—	6.76	21.58	15.22	7.77	1.92	0.97	9.42	9.27	20.43	9.88

SBFG Profitability

Margins and return-on-capital ratios measuring operating efficiency

SB Financial Group, Inc. earns an operating margin of 19.0%, roughly in line with the Financial Services sector average. ROE of 10.4% is modest. ROIC of 6.3% represents adequate returns on invested capital versus a sector median of 5.4%.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	70.9%	70.9%	69.8%	74.7%	91.8%	93.0%	84.6%	83.4%	87.9%	91.0%	91.6%
Operating Margin	19.0%	19.0%	17.0%	19.4%	24.4%	31.3%	25.4%	23.4%	25.7%	27.4%	27.5%
Net Profit Margin	15.4%	15.4%	14.1%	15.9%	19.9%	25.2%	20.5%	19.2%	20.7%	22.3%	18.7%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	10.4%	10.4%	9.1%	10.0%	9.5%	12.7%	10.7%	9.0%	10.4%	12.3%	10.5%
ROA	1.0%	1.0%	0.8%	0.9%	0.9%	1.4%	1.3%	1.2%	1.2%	1.3%	1.1%
ROIC	6.3%	6.3%	4.8%	4.9%	5.8%	9.6%	8.2%	6.7%	7.5%	8.1%	7.7%
ROCE	2.0%	2.0%	5.9%	6.0%	7.0%	11.6%	9.9%	8.3%	9.7%	10.3%	9.7%

SBFG Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

SB Financial Group, Inc. carries a Debt/EBITDA ratio of 3.8x, which is moderately leveraged (10% below the sector average of 4.3x). Net debt stands at $3M ($74M total debt minus $72M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.53	0.53	0.51	0.94	0.80	0.28	0.20	0.21	0.24	0.36	0.43
Debt / EBITDA	3.82	3.82	3.75	6.38	4.89	1.39	1.12	1.55	1.79	2.06	2.35
Net Debt / Equity	—	0.02	0.30	0.74	0.55	-0.77	-0.83	0.01	-0.13	0.07	0.23
Net Debt / EBITDA	0.14	0.14	2.17	5.04	3.34	-3.86	-4.70	0.10	-0.99	0.43	1.27
Debt / FCF	—	0.13	4.60	7.07	2.73	-7.54	-5.40	0.11	-1.45	1.14	1.62
Interest Coverage	0.68	0.68	0.57	0.78	2.96	5.65	2.75	1.53	2.33	3.33	4.03

SBFG Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

SB Financial Group, Inc.'s current ratio of 3.66x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.23x to 3.66x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	3.66	3.66	0.18	0.23	0.25	0.37	0.28	0.15	0.17	0.15	0.16
Quick Ratio	3.66	3.66	0.18	0.23	0.25	0.37	0.28	0.15	0.17	0.15	0.16
Cash Ratio	3.29	3.29	0.02	0.02	0.03	0.13	0.14	0.03	0.06	0.04	0.02
Asset Turnover	—	0.06	0.06	0.06	0.05	0.05	0.06	0.06	0.06	0.06	0.06
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

SBFG Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

SB Financial Group, Inc. returns 6.5% to shareholders annually — split between a 2.6% dividend yield and 3.9% buyback yield. The payout ratio of 27.5% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 9.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	2.6%	—	—	—	—	—	—	—	—	—	—
Payout Ratio	27.5%	27.5%	32.9%	29.6%	27.3%	17.2%	20.5%	19.5%	18.0%	12.3%	13.4%

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	9.4%	9.8%	8.2%	11.4%	10.4%	13.0%	10.7%	7.7%	9.2%	9.4%	8.6%
FCF Yield	14.6%	15.1%	5.9%	12.3%	19.8%	10.6%	15.7%	10.7%	9.3%	5.2%	12.1%
Buyback Yield	3.9%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	6.5%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$6M	$7M	$7M	$7M	$7M	$8M	$8M	$8M	$7M	$7M

Peer Comparison

Compare SBFG with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
SBFGYou	$147M	10.6	7.7	6.9	70.9%	19.0%	10.4%	6.3%	3.8
CZWI	$207M	14.7	15.7	19.9	54.7%	7.0%	7.9%	2.0%	5.8
MVBF	$365M	13.8	5.4	172.8	71.7%	13.6%	8.4%	7.0%	2.1
CFFI	$251M	9.3	10.7	11.3	69.5%	17.8%	11.0%	6.8%	3.5
WAFD	$3B	14.1	13.4	13.7	50.9%	20.5%	7.5%	3.9%	6.1
FXNC	$273M	15.4	7.0	13.0	74.0%	19.6%	10.0%	7.7%	1.9
LKFN	$2B	15.4	13.3	15.5	61.0%	29.8%	14.3%	11.6%	1.4
HFWA	$987M	14.8	12.3	11.5	72.4%	23.2%	7.6%	5.2%	0.5
OVBC	$236M	15.1	15.0	13.9	67.6%	20.6%	9.7%	6.9%	2.8
FMNB	$571M	10.0	14.1	10.9	63.8%	23.9%	12.2%	5.9%	5.7
FNF	$13B	21.7	6.7	2.0	98.2%	9.9%	6.9%	10.1%	2.1
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

SBFG — Frequently Asked Questions

Quick answers to the most common questions about buying SBFG stock.

What is SB Financial Group, Inc.'s P/E ratio?

SB Financial Group, Inc.'s current P/E ratio is 10.6x. The historical average is 17.2x. This places it at the 50th percentile of its historical range.

What is SB Financial Group, Inc.'s EV/EBITDA?

SB Financial Group, Inc.'s current EV/EBITDA is 7.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.7x.

What is SB Financial Group, Inc.'s ROE?

SB Financial Group, Inc.'s return on equity (ROE) is 10.4%. The historical average is 6.9%.

Is SBFG stock overvalued?

Based on historical data, SB Financial Group, Inc. is trading at a P/E of 10.6x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is SB Financial Group, Inc.'s dividend yield?

SB Financial Group, Inc.'s current dividend yield is 2.58% with a payout ratio of 27.5%.

What are SB Financial Group, Inc.'s profit margins?

SB Financial Group, Inc. has 70.9% gross margin and 19.0% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does SB Financial Group, Inc. have?

SB Financial Group, Inc.'s Debt/EBITDA ratio is 3.8x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.