SB FINANCIAL GROUP, INC.

SBFG

SB FINANCIAL GROUP, INC.

SBFG

Insider Sentiment (TTM):

Last Purchase:2026-03-04Last Sale:2026-06-15Shares Purchased (TTM):48Shares Sold (TTM):1,627

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:23,337,572Shares Outstanding:6,230,000Institutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	138	126	72	85	79	105	26	49	23	19
Interest Bearing Deposits In Banks	2	2	1	2	2	2	2	2	2	1
Available For Sale Securities Debt Securities	179	184	189	193	196	200	202	212	220	213
Assets Held For Sale Not Part Of Disposal Group	7	7	2	5	13	4	7	9	3	3
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	989
Loans And Leases Receivable Net Reported Amount Co…	-	-	1,181	1,111	1,095	1,088	1,047	1,030	1,000	-
Notes And Loans Receivable Net Noncurrent	1,190	1,181	-	-	-	-	-	-	-	-
Allowance For Doubtful Accounts Receivable	-16	-16	-16	-16	-16	-15	-15	-15	-16	-16
Property Plant And Equipment Net	21	21	22	22	22	22	20	21	21	22
Federal Home Loan Bank Stock And Federal Reserve B…	6	5	6	5	5	5	5	5	7	6
Foreclosed Assets	1	1	0	0	0	0	-	-	1	1
Interest Receivable	5	5	5	5	5	5	5	5	5	4
Goodwill	27	27	27	27	27	27	23	23	23	23
Cash Surrender Value Of Life Insurance	32	32	32	32	31	31	31	30	29	29
Other Assets	11	12	10	9	11	12	13	9	12	17
Assets	1,620	1,605	1,545	1,496	1,486	1,501	1,380	1,394	1,343	1,326
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	259	248	254	247	241	240	232	222	229	224
Interest Bearing Deposit Liabilities	207	216	203	194	206	209	201	202	166	175
Deposits Savings Deposits	326	334	296	290	282	286	238	242	217	226
Deposits Money Market Deposits	315	300	281	262	250	257	222	228	203	217
Time Deposits	285	274	273	269	271	279	259	265	256	244
Deposits	1,391	1,372	1,307	1,263	1,250	1,271	1,153	1,160	1,070	1,085
Federal Funds Purchased And Securities Sold Under …	7	9	9	11	16	11	11	15	13	17
Advances From Federal Home Loan Banks	23	28	35	35	35	35	35	35	84	60
Other Long Term Debt	10	10	10	10	10	10	10	-	10	10
Interest Payable Current And Noncurrent	2	3	2	3	2	3	2	3	2	2
Other Liabilities	20	20	20	18	20	20	21	18	19	21
Liabilities	1,473	1,461	1,404	1,359	1,353	1,369	1,252	1,261	1,219	1,214
Stockholders Equity
Common Stock Value	61	61	61	61	61	61	61	61	61	61
Additional Paid In Capital	15	15	15	15	15	15	15	15	15	15
Retained Earnings Accumulated Deficit	133	130	126	123	120	117	116	114	108	106
Accumulated Other Comprehensive Income Loss Net Of…	-22	-22	-21	-23	-25	-27	-30	-25	-30	-40
Treasury Stock Common Value	-	-	-	-	-	-	-	-32	-	-
Treasury Stock Value	-41	-40	-40	-39	-38	-35	-35	-	-31	-30
Stockholders Equity	147	144	141	137	134	132	128	133	124	112
Liabilities And Stockholders Equity	1,620	1,605	1,545	1,496	1,486	1,501	1,380	1,394	1,343	1,326
Preferred Stock Shares Authorized	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	-
Common Stock Shares Authorized	11	11	11	11	11	11	11	11	11	11
Common Stock Shares Issued	9	9	9	9	9	9	9	9	9	9
Treasury Stock Common Shares	2	2	2	2	2	2	2	2	2	2

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-4.56%	9.35%	13.20%	-	-	-	-	-	-	-	-	-
2025	0.34%	-4.98%	2.05%	5.27%	1.66%	-3.55%	3.64%	6.01%	6.64%	1.03%	8.89%	7.91%
2024	-	-	-	-	-	-	16.44%	15.21%	13.81%	4.75%	-5.84%	-3.88%
2023	-	-	-	3.24%	-2.88%	-8.49%	1.89%	15.85%	19.32%	-0.14%	-0.65%	6.15%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.59	-0.60	-0.64	-0.65	-0.67	-0.43	-0.14	0.78	1.78	1.93
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	6,242.71
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.06
Per Share Metrics
Diluted EPS TTM	2.69	2.58	-	3.04	2.71	2.69	-	1.80	-	1.71
Free Cash Flow Per Share TTM	3.72	2.00	2.51	3.10	1.53	3.18	2.66	3.01	1.53	2.74
Dividend Per Share TTM	0.62	0.62	0.45	0.46	0.74	0.87	0.65	0.83	0.42	0.52
Margin Metrics
Gross Profit Margin TTM	65.68%	65.76%	65.55%	63.91%	63.21%	64.71%	64.65%	66.54%	68.79%	72.53%
Operating Profit Margin TTM	26.84%	26.30%	23.34%	22.47%	21.13%	17.00%	17.88%	16.67%	17.04%	25.45%
Net Profit Margin TTM	21.70%	21.24%	18.90%	18.71%	17.45%	14.00%	14.73%	13.47%	14.00%	20.99%
Growth Metrics
Net Revenue Growth (1Y)	-22.94%	-39.35%	-39.66%	14.97%	15.98%	123.50%	131.44%	81.86%	93.82%	34.41%
Net Income Growth (1Y)	-4.14%	-7.99%	-22.54%	59.78%	44.52%	49.11%	45.50%	-1.31%	-3.40%	-4.68%
EPS Growth (1Y)	-0.38%	-4.28%	-22.54%	68.99%	91.08%	56.24%	16.85%	26.33%	-3.40%	-2.20%
Valuation Metrics
P/E TTM	9.30	8.01	13.31	6.16	6.80	7.39	9.41	10.79	9.95	7.10
P/B TTM	1.06	0.90	1.32	0.86	0.89	0.98	1.33	0.97	0.97	0.74
P/S TTM	2.02	1.70	2.52	1.15	1.19	1.03	1.39	1.45	1.39	1.49
Market Cap	155.88M	129.11M	185.99M	118.13M	118.93M	129.32M	169.81M	129.43M	120.31M	83.42M
Enterprise Value	17.73M	2.82M	114.45M	33.11M	39.47M	24.18M	143.88M	80.08M	97.34M	64.38M
Calculated Values
Free Cash Flow TTM	23.05M	12.43M	21.44M	19.54M	9.85M	20.60M	22.68M	20.06M	13.03M	18.60M
Net Debt	-138.15M	-126.29M	-71.54M	-85.03M	-79.46M	-105.15M	-25.93M	-49.35M	-22.97M	-19.05M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-15Sale

Owner: Hardgrove, Richard L

Title: -

Shares: 650

Price/Share: $23.00

Value: $14,950.00

Shares Owned: 14,438

Relationship: Director

Ownership: Direct

2026-03-04Purchase

Owner: Strausbaugh, Sue Ann

Title: -

Shares: 48

Price/Share: $20.68

Value: $992.64

Shares Owned: 2,850

Relationship: Director

Ownership: Indirect

2026-02-04Sale

Owner: Hardgrove, Richard L

Title: -

Shares: 977

Price/Share: $22.15

Value: $21,640.55

Shares Owned: 13,938

Relationship: Director

Ownership: Direct

2025-06-23Purchase

Owner: Claxton, Timothy L.

Title: -

Shares: 2,000

Price/Share: $17.64

Value: $35,280.00

Shares Owned: 10,127

Relationship: Director

Ownership: Direct

2025-06-20Purchase

Owner: Klein, Mark A

Title: CHAIRMAN, PRESIDENT, CEO

Shares: 100

Price/Share: $17.55

Value: $1,755.00

Shares Owned: 106,567

Relationship: Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-15	Hardgrove, Richard L	Director	-	Direct	Sale	650	23.00	$14,950.00	14,438	4
2026-03-04	Strausbaugh, Sue Ann	Director	-	Indirect	Purchase	48	20.68	$992.64	2,850	4
2026-02-04	Hardgrove, Richard L	Director	-	Direct	Sale	977	22.15	$21,640.55	13,938	4
2025-06-23	Claxton, Timothy L.	Director	-	Direct	Purchase	2,000	17.64	$35,280.00	10,127	4
2025-06-20	Klein, Mark A	Officer	CHAIRMAN, PRESIDENT, CEO	Indirect	Purchase	100	17.55	$1,755.00	106,567	4
2025-03-06	Homoelle, David A.	Officer	EVP OF SUBSIDIARY	Direct	Purchase	322	21.15	$6,810.30	322	4
2025-02-26	Carter, George W	Director	-	Indirect	Purchase	134	21.08	$2,824.72	1,127	4
2025-02-13	Homoelle, David A.	Officer	EVP OF SUBSIDIARY	Direct	Sale	937	23.43	$21,953.91	0	4
2024-12-12	Hardgrove, Richard L	Director	-	Direct	Sale	1,200	21.50	$25,800.00	13,796	4
2024-09-05	Hardgrove, Richard L	Director	-	Direct	Sale	1,692	16.75	$28,341.00	14,996	4
2024-08-20	Hardgrove, Richard L	Director	-	Direct	Sale	1,500	15.12	$22,680.00	16,688	4
2024-08-16	Hardgrove, Richard L	Director	-	Direct	Sale	2,859	15.46	$44,200.14	18,188	4
2024-05-06	Hardgrove, Richard L	Director	-	Direct	Sale	200	13.06	$2,612.00	21,047	4
2024-02-29	Klein, Mark A	Officer	CHAIRMAN, PRESIDENT & CEO	Direct	Purchase	131	13.90	$1,820.90	104,440	4
2024-02-21	Carter, George W	Director	-	Direct	Purchase	350	14.75	$5,162.50	16,219	4
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Institutional Ownership

No data available for chart

2026-03-31

Inst. Shares: 23,337,572

Shares Outstanding: 6,230,000

2025-12-31

Inst. Shares: 22,749,348

Shares Outstanding: 6,230,000

2025-09-30

Inst. Shares: 197,863,798

Shares Outstanding: 6,297,000

2025-06-30

Inst. Shares: 197,153,650

Shares Outstanding: 6,448,000

2025-03-31

Inst. Shares: 239,381,705

Shares Outstanding: 6,481,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	23,337,572	6,230,000	-
2025-12-31	22,749,348	6,230,000	-
2025-09-30	197,863,798	6,297,000	-
2025-06-30	197,153,650	6,448,000	-
2025-03-31	239,381,705	6,481,000	-
2024-12-31	668,054,623	6,481,000	-
2024-09-30	204,893,078	6,660,000	-
2024-06-30	237,005,860	6,660,000	-
2024-03-31	227,668,660	8,525,375	-
2023-12-31	213,673,652	6,791,000	-
2023-09-30	212,002,717	6,791,000	-
2023-06-30	219,716,386	6,847,000	-
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SB FINANCIAL GROUP, INC. (SBFG) — SEC Financial Statements & Analysis

SB FINANCIAL GROUP, INC. (SBFG) is a state commercial banks company, incorporated in OH. SB FINANCIAL GROUP, INC. trades on Nasdaq as: SBFG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SB FINANCIAL GROUP, INC. reported a -22.94% year-over-year revenue growth, a Gross Profit Margin of 65.68% (TTM), a Price-to-Sales (P/S) ratio of 2.02x (TTM), a Price-to-Book (P/B) ratio of 1.06x (TTM), at a market cap of $155.88M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -22.94%
Gross Profit Margin TTM: 65.68%
P/S TTM: 2.02x
P/B TTM: 1.06x
Market Cap: $155.88M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SB FINANCIAL GROUP, INC. in?

SB FINANCIAL GROUP, INC. (SBFG) operates in the State Commercial Banks industry.

What is SBFG's market cap?

SB FINANCIAL GROUP, INC. (SBFG) has a market capitalization of $155.88M as of 2026-06-30.

What is SBFG's P/E ratio?

SB FINANCIAL GROUP, INC. (SBFG)'s trailing twelve month P/E ratio is 9.30x as of 2026-06-30.

What exchange does SBFG trade on?

SB FINANCIAL GROUP, INC. (SBFG) trades on the Nasdaq.

Where is SB FINANCIAL GROUP, INC. incorporated?

SB FINANCIAL GROUP, INC. is incorporated in OH.