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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

$21.21
-$0.38(-1.82%)
At close: 4:00 PM EST
$21.21
-$0.38(-1.82%)

Bulls Say, Bears Say

Bulls Say
Consistent Loan And Deposit GrowthSustained organic loan and deposit growth expands core net interest income and supports scale in lending operations. Seven consecutive quarters shows repeatable origination and deposit capture, reducing reliance on wholesale funding and enabling durable revenue generation and margin support over the next 2–6 months.
Strong Liquidity And Funding CapacityMaterial excess liquidity and sizable standby debt/wholesale access provide a durable cushion against funding stress and support continued loan growth and capital returns. This structural funding flexibility lowers refinancing risk and preserves strategic optionality for balance-sheet management over coming quarters.
Improved 2025 Profitability And Cash GenerationA rebound in revenue, mid‑teens net margin and stronger operating/free cash flow indicate the franchise converted improved yields into sustainable earnings and cash. Reliable cash coverage of net income supports dividends, buybacks and reinvestment, strengthening long‑term financial resilience.
Bears Say
Noninterest Income Volatility From Mortgage/MSRMaterial exposure to mortgage servicing and gains-on-sale makes fee revenue cyclical and unpredictable. Persistent volatility in noninterest income undermines revenue diversification, complicates budgeting and can amplify earnings swings when mortgage markets or servicing valuations weaken over a multi‑quarter horizon.
Funding Cost Pressure And NIM HeadwindsRising funding costs and competitive deposit pricing create structural pressure on net interest margin. Even modest NIM compression materially reduces community bank profitability; if deposit competition persists, sustaining prior NII levels will require continued loan repricing or improved asset yields, which is not guaranteed.
Historical Leverage And Cash-flow VariabilityVolatile leverage and inconsistent cash flow reduce predictability of capital actions and increase the risk of needing external capital or cutting returns during stress. Uneven free cash flow and past swings in leverage complicate multi‑period planning and constrain reliable growth or payout policies.

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 $17.10 and its highest was $23.93 in the past 12 months.
    What is SB Financial Group Inc’s market cap?
    SB Financial Group Inc’s market cap is $139.73M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Apr 23, 2026 which is in 5 days.
        How were SB Financial Group Inc’s earnings last quarter?
        SB Financial Group Inc released its earnings results on Jan 29, 2026. The company reported $0.65 earnings per share for the quarter, beating the consensus estimate of $0.64 by $0.01.
          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 $0.155 which represents an annual dividend yield of 2.69%. 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 0.6.
                How many shares outstanding does SB Financial Group Inc have?
                SB Financial Group Inc has 6,302,455 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 $0.65 in its last earnings report, beating expectations of $0.64. Following the earnings report the stock price went up 1.106%.
                    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

                      Company Description

                      SB Financial Group Inc

                      SB Financial Group, Inc. provides a range of commercial banking and wealth management services 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; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. 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 incorporated in 1983 and is headquartered in Defiance, Ohio.

                      SB Financial Group (SBFG) Earnings & Revenues

                      SBFG Earnings Call

                      Q4 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call presented a predominantly positive performance narrative: strong earnings, meaningful loan and deposit growth, improved tangible book value, healthy liquidity and solid asset quality. Management demonstrated disciplined expense control and capital returns. Offsetting items include weaker noninterest income due to MSR/OMSR impacts, a missed mortgage budget, some deposit pricing pressure and slower-than-desired credit resolution on isolated exposures. Overall, the positive operating and capital trends and management’s articulated plans for continued growth and cost discipline outweigh the headwinds.View all SBFG earnings summaries
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                      Ownership Overview

                      6.47%13.86%19.53%50.43%
                      19.53% Other Institutional Investors
                      50.43% Public Companies and
                      Individual Investors

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