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SB Financial Group Inc (SBFG)
NASDAQ:SBFG
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SB Financial Group (SBFG) Price & Analysis

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SBFG Stock Chart & Stats

$25.62
$0.76(2.97%)
At close: 4:00 PM EDT
$25.62
$0.76(2.97%)

Bulls Say, Bears Say

Bulls Say
Accelerating Revenue And MarginsSustained, large revenue acceleration and expanding net margins indicate improving core banking profitability driven by loan growth and fee income. This strengthens recurring earnings power and provides a more durable earnings base over the next several quarters, reducing reliance on one-off items.
Improving Capital And LeverageLower leverage and rising tangible book reflect a stronger capital buffer and greater loss-absorption capacity. Higher equity and improving regulatory capital allow disciplined growth, support dividends/share buybacks, and reduce risk of forced funding actions during stress, benefiting medium-term stability.
Strong Free Cash Flow GenerationRobust free cash flow and strong operating cash generation provide the bank flexibility to fund organic loan growth, maintain dividends, and execute modest buybacks without compromising liquidity. Over time this supports capital returns and balance-sheet resilience versus peers.
Bears Say
Margin Pressure And Pricing CompetitionNet interest margin sensitivity to excess liquidity and local funding competition constrains durable profitability. If deposit pricing or loan yields compress further, the bank’s improved revenue growth may not fully translate to sustainable margin expansion, leaving earnings exposed to market rate dynamics.
Deposit Relationship Turnover RiskLoss of sizeable institutional deposits forces reliance on alternative funding or higher-cost wholesale deposits. This changes funding mix and can raise deposit cost and liquidity management complexity, pressuring margins and requiring active balance-sheet adjustments over coming quarters.
MSR Accounting And Mortgage SensitivityMSR valuation volatility and mortgage volume sensitivity to rates introduce recurring GAAP earnings noise and fee-revenue variability. Structural dependence on mortgage servicing/production makes noninterest revenue less predictable, complicating forecasting and potentially increasing earnings volatility over the medium term.

SB Financial Group News

SBFG FAQ

What was SB Financial Group Inc’s price range in the past 12 months?
SB Financial Group Inc lowest stock price was $18.16 and its highest was $28.38 in the past 12 months.
    What is SB Financial Group Inc’s market cap?
    SB Financial Group Inc’s market cap is $166.14M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Nov 04, 2026 which is in 71 days.
        How were SB Financial Group Inc’s earnings last quarter?
        SB Financial Group Inc released its earnings results on Jul 23, 2026. The company reported $0.73 earnings per share for the quarter, beating the consensus estimate of $0.69 by $0.04.
          Is SB Financial Group Inc overvalued?
          According to Wall Street analysts SB Financial Group Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does SB Financial Group Inc pay dividends?
            SB Financial Group Inc pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 2.26%. See more information on SB Financial Group Inc dividends here
              What is SB Financial Group Inc’s EPS estimate?
              SB Financial Group Inc’s EPS estimate is 0.62.
                How many shares outstanding does SB Financial Group Inc have?
                SB Financial Group Inc has 6,252,992 shares outstanding.
                  What happened to SB Financial Group Inc’s price movement after its last earnings report?
                  SB Financial Group Inc reported an EPS of $0.73 in its last earnings report, beating expectations of $0.69. Following the earnings report the stock price went down -3.934%.
                    Which hedge fund is a major shareholder of SB Financial Group Inc?
                    Currently, no hedge funds are holding shares in SBFG
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      SB Financial Group Stock Smart Score

                      5
                      Neutral
                      1
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                      6
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                      10

                      Technicals

                      SMA
                      Positive
                      20 days / 200 days
                      Momentum
                      14.22%
                      12-Months-Change

                      Fundamentals

                      Return on Equity
                      2.26%
                      Trailing 12-Months
                      Asset Growth
                      9.00%
                      Trailing 12-Months

                      Company Description

                      SB Financial Group Inc

                      SB Financial Group, Inc., based in Defiance, Ohio, was established in 1983 and rebranded from Rurban Financial Corp. in April 2013. The company delivers a comprehensive array of commercial banking and wealth management solutions to both individual and business clients throughout Ohio, Indiana, and Michigan. Its banking provisions include various deposit instruments such as checking, savings, money market accounts, and certificates of deposit. The firm also extends diverse lending options, covering commercial, consumer, agricultural, and home mortgage loans. Complementary services offered encompass automated teller machines, personal and corporate trust administration, commercial equipment leasing, credit cards, safe deposit facilities, online banking, specialized private client group offerings, and other customized financial products. Beyond its core banking operations, SB Financial Group provides extensive wealth management services. These feature asset management for individuals and corporate employee benefit plans, alongside brokerage capabilities. Additionally, the company markets insurance policies to both retail and commercial clientele. As of the end of 2021, SB Financial Group operated a network of 22 banking branches across multiple Ohio counties (Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams), plus one banking center in Allen County, Indiana. Its strategic presence further included five loan production offices situated in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan.

                      SB Financial Group (SBFG) Earnings & Revenues

                      SBFG Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call presented multiple constructive operating and balance-sheet trends: solid loan and deposit growth, improved tangible book value and capital, diversified fee revenue, positive operating leverage, and strong asset quality. The principal negatives were GAAP EPS compression driven by MSR-related accounting items, lower mortgage originations versus the prior year, modest margin compression and some deposit relationship turnover risk. On balance, the positive operating fundamentals, capital strength, and improving credit metrics outweigh the transitory/market-driven negatives.View all SBFG earnings summaries
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                      Ownership Overview

                      6.51%13.98%18.87%54.02%
                      18.87% Other Institutional Investors
                      54.02% Public Companies and
                      Individual Investors
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