SB Financial Group, Inc. (SBFG) P/E Ratio History
ExpensiveTrading at 10.6x vs 5Y avg 9.0x · 85th percentile · Material premium to history · Data 1996–2025
Loading P/E history...
P/E Ratio Analysis
As of June 13, 2026, SB Financial Group, Inc. (SBFG) trades at a price-to-earnings ratio of 10.6x, with a stock price of $23.31 and trailing twelve-month earnings per share of $2.23.
The current P/E is 18% above its 5-year average of 9.0x. Over the past five years, SBFG's P/E has ranged from a low of 6.4x to a high of 12.3x, placing the current valuation at the 85th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, SBFG trades at a 23% discount to its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 3.32 (P/E divided by 27% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, SBFG trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SBFG DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
SBFG Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
SBFG P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $207M | 14.7 | 2.90 | +9% | |
| $365M | 13.8 | - | +35% | |
| $251M | 9.3Lowest | 1.44Best | +38% | |
| $3B | 14.1 | 4.58 | +5% | |
| $273M | 15.4 | 10.32 | +96%Best | |
| $2B | 15.4 | 3.88 | +10% | |
| $987M | 14.8 | 1.70 | +58% | |
| $236M | 15.1 | 1.66 | +42% | |
| $571M | 10.0 | - | +19% | |
| $13B | 21.7 | - | -52% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
SBFG Historical P/E Data (1996–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $22.27 | $2.20 | 10.1x | -34% |
| FY2025 Q3 | - | $19.29 | $2.12 | 9.1x | -41% |
| FY2025 Q2 | Jun 30 2025 | $19.10 | $1.83 | 10.4x | -32% |
| FY2025 Q1 | Mar 31 2025 | $20.82 | $1.69 | 12.3x | -20% |
| FY2024 Q4 | - | $20.91 | $1.71 | 12.2x | -21% |
| FY2024 Q3 | Sep 30 2024 | $20.56 | $1.73 | 11.9x | -23% |
| FY2024 Q2 | Jun 30 2024 | $14.00 | $1.77 | 7.9x | -49% |
| FY2024 Q1 | Mar 31 2024 | $13.78 | $1.75 | 7.9x | -49% |
| FY2023 Q4 | Dec 31 2023 | $15.35 | $1.75 | 8.8x | -43% |
| FY2023 Q3 | Sep 30 2023 | $13.50 | $1.68 | 8.0x | -48% |
| FY2023 Q2 | Jun 30 2023 | $12.62 | $1.76 | 7.2x | -54% |
| FY2023 Q1 | Mar 31 2023 | $14.13 | $1.72 | 8.2x | -47% |
| FY2022 Q4 | Dec 31 2022 | $16.95 | $1.77 | 9.6x | -38% |
| FY2022 Q3 | Sep 30 2022 | $16.85 | $1.74 | 9.7x | -37% |
| FY2022 Q2 | - | $17.26 | $1.82 | 9.5x | -39% |
| FY2022 Q1 | - | $19.91 | $1.92 | 10.4x | -33% |
| FY2021 Q4 | Dec 31 2021 | $18.73 | $2.44 | 7.7x | -50% |
| FY2021 Q3 | - | $17.32 | $2.65 | 6.5x | -58% |
| FY2021 Q2 | Jun 30 2021 | $17.62 | $2.76 | 6.4x | -59% |
| FY2021 Q1 | Mar 31 2021 | $17.39 | $2.71 | 6.4x | -58% |
| FY2020 Q4 | - | $17.41 | $1.88 | 9.3x | -40% |
| FY2020 Q3 | Sep 30 2020 | $12.85 | $1.60 | 8.1x | -48% |
| FY2020 Q2 | - | $15.83 | $1.40 | 11.3x | -27% |
| FY2020 Q1 | - | $10.59 | $1.26 | 8.4x | -45% |
| FY2019 Q4 | - | $18.75 | $1.44 | 13.0x | -16% |
| FY2019 Q3 | Sep 30 2019 | $15.92 | $1.39 | 11.5x | -26% |
| FY2019 Q2 | Jun 30 2019 | $15.68 | $1.30 | 12.1x | -22% |
| FY2019 Q1 | Mar 31 2019 | $17.16 | $1.37 | 12.5x | -19% |
| FY2018 Q4 | Dec 31 2018 | $15.67 | $1.43 | 11.0x | -29% |
| FY2018 Q3 | Sep 30 2018 | $19.38 | $1.69 | 11.5x | -26% |
| FY2018 Q2 | Jun 30 2018 | $19.35 | $1.73 | 11.2x | -28% |
| FY2018 Q1 | Mar 31 2018 | $17.62 | $1.70 | 10.4x | -33% |
| FY2017 Q4 | Dec 31 2017 | $17.61 | $1.67 | 10.5x | -32% |
| FY2017 Q3 | Sep 30 2017 | $16.34 | $1.41 | 11.6x | -25% |
| FY2017 Q2 | Jun 30 2017 | $16.08 | $1.38 | 11.7x | -25% |
| FY2017 Q1 | Mar 31 2017 | $15.92 | $1.36 | 11.7x | -24% |
| FY2016 Q4 | Dec 31 2016 | $15.29 | $1.31 | 11.7x | -24% |
| FY2016 Q3 | Sep 30 2016 | $11.93 | $1.24 | 9.6x | -38% |
| FY2016 Q2 | - | $10.35 | $1.19 | 8.7x | -44% |
| FY2016 Q1 | - | $9.82 | $1.16 | 8.5x | -45% |
| FY2015 Q4 | - | $10.61 | $1.13 | 9.4x | -39% |
| FY2015 Q3 | Sep 30 2015 | $9.78 | $1.14 | 8.6x | -44% |
| FY2015 Q2 | - | $10.09 | $1.11 | 9.1x | -41% |
| FY2015 Q1 | - | $10.05 | $1.05 | 9.6x | -38% |
| FY2014 Q4 | Dec 31 2014 | $8.95 | $1.02 | 8.8x | -43% |
| FY2014 Q3 | - | $8.62 | $0.97 | 8.9x | -42% |
| FY2014 Q2 | Jun 30 2014 | $7.97 | $0.94 | 8.5x | -45% |
| FY2014 Q1 | Mar 31 2014 | $7.95 | $0.96 | 8.3x | -46% |
| FY2013 Q4 | - | $7.50 | $1.03 | 7.3x | -53% |
| FY2013 Q3 | Sep 30 2013 | $7.40 | $1.09 | 6.8x | -56% |
| FY2013 Q2 | Jun 30 2013 | $7.26 | $1.08 | 6.7x | -56% |
| FY2013 Q1 | Mar 31 2013 | $8.13 | $1.02 | 8.0x | -48% |
| FY2012 Q4 | Dec 31 2012 | $6.20 | $0.95 | 6.5x | -58% |
| FY2012 Q3 | Sep 30 2012 | $6.50 | $0.70 | 9.3x | -40% |
| FY2012 Q2 | Jun 30 2012 | $6.66 | $0.55 | 12.2x | -21% |
| FY2012 Q1 | Mar 31 2012 | $3.76 | $0.50 | 7.6x | -51% |
| FY2011 Q4 | Dec 31 2011 | $2.50 | $0.31 | 8.1x | -48% |
| FY2009 Q4 | - | $6.51 | $0.07 | 94.9x | +515% |
| FY2009 Q3 | Sep 30 2009 | $7.22 | $0.70 | 10.3x | -33% |
| FY2009 Q2 | - | $7.38 | $0.95 | 7.8x | -50% |
| FY2009 Q1 | - | $7.52 | $1.03 | 7.3x | -53% |
| FY2008 Q4 | Dec 31 2008 | $7.24 | $1.02 | 7.1x | -54% |
| FY2008 Q3 | - | $8.57 | $0.93 | 9.2x | -40% |
| FY2008 Q2 | Jun 30 2008 | $9.07 | $0.81 | 11.2x | -27% |
| FY2008 Q1 | Mar 31 2008 | $9.75 | $0.69 | 14.1x | -8% |
| FY2007 Q4 | Dec 31 2007 | $11.90 | $0.61 | 19.5x | +26% |
| FY2007 Q3 | Sep 30 2007 | $12.05 | $0.57 | 21.1x | +37% |
| FY2007 Q2 | Jun 30 2007 | $12.21 | $0.56 | 21.8x | +41% |
| FY2007 Q1 | Mar 31 2007 | $11.28 | $0.54 | 20.9x | +35% |
| FY2006 Q4 | Dec 31 2006 | $10.26 | $0.51 | 20.3x | +32% |
| FY2006 Q3 | Sep 30 2006 | $11.35 | $0.29 | 38.5x | +149% |
| FY2006 Q2 | Jun 30 2006 | $10.48 | $0.24 | 42.8x | +177% |
| FY2006 Q1 | Mar 31 2006 | $11.83 | $0.10 | 123.2x | +698% |
| FY2005 Q4 | Dec 31 2005 | $11.22 | $0.13 | 85.8x | +456% |
| FY2005 Q3 | Sep 30 2005 | $12.14 | $0.36 | 33.6x | +118% |
| FY2005 Q2 | - | $12.29 | $0.40 | 30.6x | +99% |
| FY2005 Q1 | - | $13.48 | $0.57 | 23.6x | +53% |
| FY2004 Q4 | Dec 31 2004 | $13.24 | $0.56 | 23.6x | +53% |
| FY2004 Q3 | - | $12.27 | $0.48 | 25.7x | +67% |
| FY2004 Q2 | Jun 30 2004 | $11.70 | $0.37 | 31.2x | +102% |
| FY2004 Q1 | Mar 31 2004 | $14.43 | $1.57 | 9.2x | -41% |
| FY2003 Q4 | Dec 31 2003 | $13.19 | $2.56 | 5.1x | -67% |
| FY2003 Q3 | - | $13.33 | $1.22 | 10.9x | -29% |
| FY2003 Q2 | Jun 30 2003 | $11.94 | $1.22 | 9.8x | -37% |
| FY2002 Q1 | Mar 31 2002 | $12.52 | $0.20 | 63.4x | +310% |
| FY2001 Q4 | Dec 31 2001 | $13.03 | $0.49 | 26.6x | +72% |
| FY2001 Q3 | Sep 30 2001 | $14.05 | $1.11 | 12.7x | -18% |
| FY2001 Q2 | Jun 30 2001 | $12.61 | $1.19 | 10.6x | -31% |
| FY2001 Q1 | Mar 31 2001 | $11.45 | $1.30 | 8.8x | -43% |
| FY2000 Q4 | Dec 31 2000 | $10.54 | $1.28 | 8.2x | -47% |
| FY2000 Q3 | Sep 30 2000 | $11.79 | $1.34 | 8.8x | -43% |
| FY2000 Q2 | Jun 30 2000 | $11.77 | $1.28 | 9.2x | -40% |
| FY2000 Q1 | Mar 31 2000 | $12.02 | $1.20 | 10.0x | -35% |
| FY1999 Q4 | Dec 31 1999 | $11.66 | $1.10 | 10.6x | -31% |
| FY1999 Q3 | - | $12.09 | $1.03 | 11.7x | -24% |
| FY1999 Q2 | Jun 30 1999 | $13.71 | $0.97 | 14.1x | -8% |
| FY1999 Q1 | Mar 31 1999 | $12.96 | $0.92 | 14.1x | -9% |
| FY1998 Q4 | - | $13.39 | $0.91 | 14.7x | -5% |
| FY1998 Q3 | Sep 30 1998 | $14.47 | $0.95 | 15.2x | -1% |
| FY1998 Q2 | - | $16.41 | $0.98 | 16.7x | +8% |
| FY1998 Q1 | - | $14.63 | $1.03 | 14.2x | -8% |
| FY1997 Q4 | Dec 31 1997 | $13.39 | $1.08 | 12.4x | -20% |
| FY1997 Q3 | - | $12.42 | $1.05 | 11.8x | -23% |
| FY1997 Q2 | Jun 30 1997 | $12.96 | $0.98 | 13.2x | -14% |
| FY1997 Q1 | Mar 31 1997 | $14.25 | $0.93 | 15.3x | -1% |
| FY1996 Q4 | - | $12.09 | $0.88 | 13.7x | -11% |
| FY1996 Q3 | Sep 30 1996 | $13.99 | $0.80 | 17.5x | +13% |
| FY1996 Q2 | Jun 30 1996 | $13.78 | $0.83 | 16.6x | +8% |
Average P/E for displayed period: 15.4x
What if you invested $1,000 in SBFG back in 1996?
Total return with dividends reinvested · 30+ years of data
Calculate ReturnsHow much would $100/month in SBFG be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs SBFG Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationSBFG vs BRK-B — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs Berkshire Hathaway Inc..
Compare NowSBFG — Frequently Asked Questions
Quick answers to the most common questions about buying SBFG stock.
What is SBFG's P/E ratio?
SB Financial Group, Inc. (SBFG) trailing twelve-month P/E ratio is 10.6x, based on TTM diluted EPS of $2.23. The 5-year average P/E is 9.0x and the historical range spans 6.4x to 12.3x.
Is SBFG stock overvalued or undervalued?
SBFG trades at 10.6x P/E, near its 5-year average of 9.0x. The 85th percentile ranking within the 6.4x–12.3x historical range places valuation within normal bounds.
Is SBFG stock expensive?
SBFG is fairly valued relative to its own history. The current P/E of 10.6x is near the 5-year average of 9.0x (85th percentile of historical range).
What is SBFG's historical P/E range?
Over the past 5 years, SBFG's P/E ratio has ranged from 6.4x to 12.3x, with a median of 9.1x and an average of 9.0x. The current P/E of 10.6x places the stock at the 85th percentile of this range. Full historical data spans 1996–2025.
How does SBFG's P/E compare to the S&P 500?
SBFG trades at 10.6x P/E versus the S&P 500 median of 25.1x. The 58% discount to the market suggests lower growth expectations or perceived higher risk.
How does SBFG's valuation compare to Financial Services peers?
SB Financial Group, Inc. P/E of 10.6x compares to the Financial Services sector median of 13.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is SBFG's PEG ratio?
SBFG PEG ratio is 3.32, based on a P/E of 10.6x and EPS growth of 27.3%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is SBFG's earnings yield?
SBFG earnings yield is 9.40%, the inverse of its 10.6x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.