Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
SB Financial Group, Inc.'s quarterly P/E stands at 8.8x, down 7.0% year-over-year. EV/EBITDA has expanded 6.2% YoY to 8.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.64 | 8.84 | 7.54 | 7.96 | 15.77 | 9.50 | 14.69 | 7.61 | 9.84 | 6.73 | 8.65 | 7.17 | 10.09 |
| — | -7.0% | -48.7% | +4.6% | +60.2% | +41.2% | +69.7% | +6.1% | -2.5% | -20.6% | -3.4% | -33.5% | -18.9% | |
| P/S Ratio | 1.61 | 1.52 | 1.32 | 1.31 | 1.58 | 1.61 | 1.66 | 1.17 | 1.20 | 1.27 | 1.22 | 1.16 | 1.42 |
| — | -5.8% | -20.5% | +12.1% | +31.0% | +26.6% | +35.6% | +0.7% | -15.0% | -28.8% | -34.7% | -43.0% | -39.1% | |
| P/B Ratio | 1.05 | 0.99 | 0.89 | 0.92 | 1.03 | 1.08 | 1.03 | 0.75 | 0.75 | 0.85 | 0.83 | 0.74 | 0.83 |
| — | -8.7% | -13.9% | +23.5% | +37.5% | +28.0% | +25.0% | +0.9% | -9.4% | -15.8% | -20.1% | -25.2% | -22.4% | |
| P/FCF | 6.85 | 5.92 | 2.49 | — | 5.86 | 6.08 | 10.62 | — | 155.44 | 3.99 | 2.95 | 7.14 | — |
| — | -2.7% | -76.6% | — | -96.2% | +52.6% | +259.4% | — | — | +63.0% | -11.7% | +4.9% | — | |
| EV / EBITDA | 7.69 | 8.57 | 4.17 | 4.89 | 6.69 | 8.08 | 9.69 | 8.19 | 8.89 | 8.68 | 10.14 | 10.11 | 10.20 |
| — | +6.2% | -57.0% | -40.3% | -24.7% | -6.9% | -4.4% | -19.0% | -12.9% | -1.0% | +25.6% | +9.2% | +245.4% | |
| EV / EBIT | 8.67 | 7.14 | 5.06 | 5.96 | 9.12 | 9.71 | 12.56 | 10.32 | 11.51 | 10.23 | 13.05 | 12.62 | 13.15 |
| — | -26.5% | -59.7% | -42.2% | -20.8% | -5.1% | -3.7% | -18.2% | -12.5% | -3.1% | +31.1% | +4.4% | +236.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SB Financial Group, Inc.'s operating margin was 21.7% in Q4 2025, up 0.2 pp QoQ and up 0.5 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 18.8% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.9% | 70.6% | 71.4% | 70.5% | 69.8% | 72.6% | 68.3% | 70.1% | 68.2% | 73.5% | 72.3% | 74.8% | 78.6% |
| — | -2.7% | +4.6% | +0.6% | +2.4% | -1.3% | -5.6% | -6.4% | -13.2% | -16.2% | -21.0% | -20.5% | -16.4% | |
| Operating Margin | 19.0% | 21.7% | 21.5% | 20.1% | 12.1% | 21.2% | 15.0% | 16.8% | 14.8% | 23.3% | 17.0% | 19.7% | 17.0% |
| — | +2.5% | +43.1% | +19.4% | -18.6% | -9.4% | -11.6% | -14.7% | -12.8% | -10.6% | -34.2% | -13.7% | -24.6% | |
| Net Margin | 15.4% | 17.0% | 17.6% | 16.4% | 10.0% | 17.0% | 11.4% | 15.5% | 12.3% | 18.8% | 14.2% | 16.4% | 14.0% |
| — | +0.4% | +54.1% | +5.5% | -18.3% | -9.7% | -19.6% | -5.2% | -12.2% | -11.4% | -33.0% | -12.4% | -24.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 2.8% | 3.0% | 2.9% | 1.7% | 2.8% | 1.8% | 2.5% | 1.9% | 3.3% | 2.3% | 2.6% | 2.1% |
| — | +0.9% | +64.1% | +16.3% | -12.7% | -14.9% | -22.0% | -3.5% | -7.2% | +8.2% | -16.4% | +17.5% | +1.5% | |
| ROA | 1.0% | 0.3% | 0.3% | 0.3% | 0.1% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% |
| — | -1.7% | +57.6% | +10.9% | -15.3% | -9.9% | -14.5% | +1.4% | -3.4% | +8.6% | -21.7% | +6.3% | -13.3% | |
| ROIC | 6.3% | 1.8% | 1.8% | 1.8% | 1.0% | 1.7% | 1.2% | 1.3% | 1.0% | 1.6% | 1.1% | 1.3% | 1.1% |
| — | +4.1% | +56.2% | +35.0% | +0.7% | +6.6% | +8.4% | +3.5% | -8.3% | -0.7% | -31.5% | -8.3% | -23.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
SB Financial Group, Inc.'s Debt/EBITDA ratio is 17.9x, up from 10.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1987.7% YoY to 3.66x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.53 | 0.53 | 0.48 | 0.53 | 0.50 | 0.51 | 0.53 | 0.56 | 0.55 | 0.94 | 0.85 | 1.04 | 0.67 |
| — | +2.7% | -8.8% | -5.4% | -8.5% | -45.4% | -38.2% | -46.3% | -18.3% | +17.5% | +31.3% | +71.5% | +101.2% | |
| Debt / EBITDA | 3.82 | 17.90 | 10.92 | 12.21 | 18.64 | 12.00 | 17.36 | 16.44 | 18.31 | 20.52 | 23.05 | 26.38 | 20.94 |
| — | +49.2% | -37.1% | -25.7% | +1.8% | -41.5% | -24.7% | -37.7% | -12.6% | +13.6% | +56.4% | +58.3% | +115.2% | |
| Current Ratio | 3.66 | 3.66 | 0.11 | 0.20 | 0.22 | 0.18 | 0.23 | 0.21 | 0.22 | 0.23 | 0.22 | 0.23 | 0.23 |
| — | +1987.7% | -52.8% | -4.9% | +0.1% | -23.6% | +5.5% | -10.0% | -6.7% | -7.4% | -14.1% | -14.8% | -32.1% | |
| Quick Ratio | 3.66 | 3.66 | 0.11 | 0.20 | 0.22 | 0.18 | 0.23 | 0.21 | 0.22 | 0.23 | 0.22 | 0.23 | 0.23 |
| — | +1987.7% | -52.8% | -4.9% | +0.1% | -23.6% | +5.5% | -10.0% | -6.7% | -7.4% | -14.1% | -14.8% | -32.1% | |
| Interest Coverage | 0.68 | 0.76 | 0.77 | 0.75 | 0.42 | 0.76 | 0.49 | 0.56 | 0.47 | 0.87 | 0.61 | 0.81 | 0.85 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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SB Financial Group, Inc.'s current P/E is 10.6x. The average P/E over the last 4 quarters is 10.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SB Financial Group, Inc.'s current operating margin is 19.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking SB Financial Group, Inc.'s business trajectory between earnings reports.