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

37 Followers

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
Improving ProfitabilityTTM margin expansion and sustained profitability signal durable core earnings generation from lending and fee businesses. Higher net and EBIT margins, supported by stable NII and recurring fees, improve internal capital generation and buffer the bank against cyclical revenue swings.
Stronger Capital And LeverageMaterial deleveraging versus 2023 and higher tangible book value enhance financial flexibility. A lower debt-to-equity ratio and stronger equity base reduce solvency risk, support dividend continuity and create room for disciplined growth or targeted capital deployment over coming quarters.
Deposit, Loan Growth & Acquisition IntegrationAcquisition-led expansion and positive deposit/loan trends diversify funding and revenue mix, increasing scale in new markets. Consistent deposit growth and mortgage/fee gains bolster funding stability and noninterest income diversification, supporting revenue resilience over the medium term.
Bears Say
Volatile Cash FlowMarked year-to-year free cash flow volatility undermines predictability of internally generated capital. Irregular cash conversion can constrain buybacks, dividend flexibility and funding for organic growth, raising the importance of conservative capital planning and higher reserve buffers.
Deposit/Liquidity Pressure RiskA slowdown in deposit gathering and potential repricing pressure increase funding cost risk for a deposit-funded regional bank. Rising deposit costs or outflows would compress NIM and require either slower loan growth or more expensive wholesale funding, pressuring margins and capital use.
Elevated Efficiency RatioA high efficiency ratio limits operating leverage benefits and magnifies the earnings impact of revenue softness. Without sustained revenue growth or further expense reduction, profitability gains could stall, making returns more sensitive to credit or interest-rate headwinds.

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 $26.80 in the past 12 months.
    What is SB Financial Group Inc’s market cap?
    SB Financial Group Inc’s market cap is $162.02M.
      When is SB Financial Group Inc’s upcoming earnings report date?
      SB Financial Group Inc’s upcoming earnings report date is Jul 23, 2026 which is in 12 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 $0.16 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 6,275,117 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 4.08%.
                    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

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                      Neutral
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                      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

                      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

                      6.49%13.94%20.09%52.23%
                      20.09% Other Institutional Investors
                      52.23% Public Companies and
                      Individual Investors

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