Stocktoria
SB FINANCIAL GROUP, INC. SBFG
SB FINANCIAL GROUP, INC. (SBFG) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.48% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SBFG | SB FINANCIAL GROUP, INC. | 5/9 | — | 11.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About SB FINANCIAL GROUP, INC.
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance 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; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. 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 founded in 1902 and is based in Defiance, Ohio.
FAQ
Is SBFG financially healthy?
SB FINANCIAL GROUP, INC.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does SBFG pay a dividend, and is it safe?
Yes. SB FINANCIAL GROUP, INC. pays a dividend yielding about 2.48% with a 27.5% payout ratio, rated “safe” for safety.
How profitable is SBFG?
In FY2025, SB FINANCIAL GROUP, INC. had a return on equity of 9.9%.
Is SBFG overvalued or undervalued?
SB FINANCIAL GROUP, INC. trades at about 12.7× trailing earnings — above its 10-year norm (10-year range 7.5×–13.0×, median 10.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SBFG?
The average Wall-Street price target for SB FINANCIAL GROUP, INC. is $25.00, about 10.4% below the recent price, from 1 analysts.
Is SBFG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SB FINANCIAL GROUP, INC.: a Piotroski F-score of 5/9, a P/E of about 11.1×, a dividend yield of 2.48%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.