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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
Strong Credit Reserves & Asset QualitySBFG’s allowance at 1.39% with coverage >400% and NPA only 0.3% signals conservative provisioning and low problem-loan levels. This provides durable loss-absorption and earnings stability through loan cycles, supporting steady capital and dividend delivery over the coming months.
Revenue And NII MomentumRecent acceleration in operating revenue and net interest income reflects improving core banking economics and growing loan and fee activity. Sustained NII growth and mortgage pipeline guidance support durable revenue diversification and cash generation over the next several quarters.
Balance-sheet Growth & Funding StabilityRising tangible book value, double-digit deposit and loan growth demonstrate improving franchise scale and funding depth. Consistent deposit growth and improved equity support capital resilience and the company’s multi-quarter target to expand the balance sheet toward strategic goals.
Bears Say
Multi-year Margin CompressionDespite recent improvement, SBFG reports meaningful margin compression versus earlier peak years. A structurally lower margin ceiling reduces long-term profitability upside and makes earnings more dependent on volume growth or expense cuts to achieve prior returns.
Liquidity And Deposit-cost Pressure RiskSlowing deposit inflows and higher competitive deposit pricing are durable funding risks that can elevate funding costs and compress NIM. For a community bank reliant on deposit funding, persistent deposit pressure can materially tighten net interest income and margin sustainability.
Capital Deployment ConstraintsPotential sub-debt redemption and management’s decision to curb buybacks indicate regulatory and capital constraints. Reduced buybacks and tighter capital flexibility can limit shareholder return and restrict M&A or faster asset growth over the coming quarters.

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 $139.81M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Jul 27, 2026 which is in 79 days.
        How were SB Financial Group Inc’s earnings last quarter?
        SB Financial Group Inc released its earnings results on Apr 23, 2026. The company reported $0.63 earnings per share for the quarter, beating the consensus estimate of $0.6 by $0.03.
          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 0.69.
                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 $0.63 in its last earnings report, beating expectations of $0.6. Following the earnings report the stock price went up 4.083%.
                    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

                      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

                      Q1 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call conveyed a generally positive tone driven by strong earnings, revenue growth, improved fee income, solid deposit gains, disciplined expense management, favorable credit metrics and successful integration of the Marblehead acquisition. Management acknowledged near-term headwinds including mortgage volume volatility, modest sequential loan growth, potential deposit cost pressure, an elevated OREO position from a foreclosure and capital deployment constraints (sub-debt call and slower buybacks). On balance, the positives—particularly the year-over-year revenue and earnings growth, robust reserve coverage and deposit/loan growth—outweigh the lowlights, though management remains cautious and focused on disciplined execution.View all SBFG earnings summaries
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                      Ownership Overview

                      6.47%13.84%7.68%62.19%
                      7.68% Other Institutional Investors
                      62.19% Public Companies and
                      Individual Investors

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