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SB FINANCIAL GROUP, INC. SBFG

Nasdaq · stock · State Commercial Banks · website · IPO 2001-11-06 · LEI

SB FINANCIAL GROUP, INC. statistics & valuation

Market cap$155.3M
P / E11.1×
P / B1.1×
Dividend yield2.48%
Return on equity9.9%
Graham number +18.3%$33.01

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($33.01); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.10% 11.80% 8.90% 8.80% 10.50% 12.60% 10.60% 9.70% 9.00% 9.90% 2016201720182019202020212022202320242025
Shares outstanding
6376 6.4M 7719 7.9M 7.6M 7.1M 7.1M 6.9M 6.7M 6.4M 2016201720182019202020212022202320242025
Net debt ($)
-$130.0M $19.6M $19.6M $19.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.10% 1.30% 1.20% 1.20% 1.20% 1.40% 0.90% 0.90% 0.80% 0.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.13× 0.17× 0.16× 0.15× 2016201720182019202020212022202320242025
EPS ($)
$1.38 $1.74 $1.51 $1.51 $1.96 $2.56 $1.77 $1.75 $1.72 $2.19 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SB FINANCIAL GROUP, INC. trades at about 12.7× earnings — above its 10-year norm (10-year range 7.5×–13×, median 10.4×).

7.5× 13×

Shaded band = 10-year range (7.5×–13×); dot = today's 12.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.9%0.8%0.9%0.9%1.4%1.2%1.2%1.2%1.3%1.1%
Return on equity9.9%9.0%9.7%10.6%12.6%10.5%8.8%8.9%11.8%10.1%
Debt / equity—0.15×0.16×0.17×0.13×—————

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.