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STOCKS

SB Financial Group Inc (SBFG)

NASDAQ:SBFG

SBFG

SB Financial Group

RESEARCH TOOLSreports

SB Financial Group (SBFG) Ratios

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37 Followers

SB Financial Group Ratios

SBFG's free cash flow for Q3 2025 was $0.71. For the 2025 fiscal year, SBFG's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.11	0.18	0.23	86.89	26.78
Quick Ratio	0.11	0.18	0.23	86.89	36.85
Cash Ratio	0.07	0.02	0.02	10.71	9.74
Solvency Ratio	0.01	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.02	<0.01	0.01	9.15	1.10
Short-Term Operating Cash Flow Coverage	1.98	0.89	1.04	0.00	0.00
Net Current Asset Value	$ -1.22B	$ -1.05B	$ -970.04M	$ -974.33M	$ -767.59M
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.05	0.09	0.07	0.03
Debt-to-Equity Ratio	0.48	0.51	0.94	0.80	0.28
Debt-to-Capital Ratio	0.32	0.34	0.48	0.44	0.22
Long-Term Debt-to-Capital Ratio	0.29	0.30	0.45	0.40	0.18
Financial Leverage Ratio	10.93	10.82	10.80	11.28	9.18
Debt Service Coverage Ratio	0.49	0.43	0.49	3.20	6.09
Interest Coverage Ratio	0.68	0.57	0.78	3.78	5.65
Debt to Market Cap	0.46	0.47	1.11	0.67	0.23
Interest Debt Per Share	14.38	13.47	19.84	14.23	5.97
Net Debt to EBITDA	-1.03	2.17	5.04	3.34	-3.86
Profitability Margins
Gross Profit Margin	71.06%	69.83%	74.70%	100.00%	100.00%
EBIT Margin	18.78%	17.03%	19.40%	26.58%	33.13%
EBITDA Margin	23.19%	21.39%	24.10%	33.54%	42.20%
Operating Profit Margin	18.78%	17.03%	19.40%	33.95%	33.13%
Pretax Profit Margin	18.78%	17.03%	19.40%	26.57%	33.13%
Net Profit Margin	15.31%	14.10%	15.94%	21.73%	26.65%
Continuous Operations Profit Margin	15.31%	14.10%	15.94%	21.73%	26.65%
Net Income Per EBT	81.50%	82.78%	82.18%	81.76%	80.43%
EBT Per EBIT	100.00%	100.00%	100.00%	78.28%	100.00%
Return on Assets (ROA)	0.92%	0.83%	0.90%	0.94%	1.37%
Return on Equity (ROE)	10.34%	9.00%	9.73%	10.57%	12.61%
Return on Capital Employed (ROCE)	7.64%	6.48%	5.72%	1.47%	1.73%
Return on Invested Capital (ROIC)	5.93%	5.11%	4.47%	5.59%	2.52%
Return on Tangible Assets	0.94%	0.86%	0.93%	0.96%	1.41%
Earnings Yield	9.52%	8.24%	11.54%	10.55%	13.12%
Efficiency Ratios
Receivables Turnover	16.40	16.58	16.29	14.09	23.49
Payables Turnover	9.45	10.44	7.86	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.11	3.98	3.55	2.52	2.95
Asset Turnover	0.06	0.06	0.06	0.04	0.05
Working Capital Turnover Ratio	-0.08	-0.09	-0.09	0.18	0.20
Cash Conversion Cycle	-16.36	-12.94	-24.05	25.91	15.54
Days of Sales Outstanding	22.26	22.02	22.40	25.91	15.54
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	38.62	34.95	46.46	0.00	0.00
Operating Cycle	22.26	22.02	22.40	25.91	15.54
Cash Flow Ratios
Operating Cash Flow Per Share	3.45	1.42	2.05	3.65	2.32
Free Cash Flow Per Share	3.10	1.23	1.91	3.38	1.99
CapEx Per Share	0.35	0.18	0.14	0.27	0.33
Free Cash Flow to Operating Cash Flow	0.90	0.87	0.93	0.93	0.86
Dividend Paid and CapEx Coverage Ratio	3.61	1.89	3.08	4.81	3.10
Capital Expenditure Coverage Ratio	9.94	7.69	14.60	13.49	7.11
Operating Cash Flow Coverage Ratio	0.33	0.14	0.12	0.27	0.43
Operating Cash Flow to Sales Ratio	0.24	0.12	0.18	0.44	0.25
Free Cash Flow Yield	13.59%	5.90%	12.43%	19.94%	10.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.50	12.14	8.67	9.48	7.62
Price-to-Sales (P/S) Ratio	1.61	1.71	1.38	2.06	2.03
Price-to-Book (P/B) Ratio	1.05	1.09	0.84	1.00	0.96
Price-to-Free Cash Flow (P/FCF) Ratio	7.36	16.94	8.04	5.02	9.39
Price-to-Operating Cash Flow Ratio	6.62	14.74	7.49	4.64	8.07
Price-to-Earnings Growth (PEG) Ratio	0.67	-4.30	-15.43	-0.35	0.25
Price-to-Fair Value	1.05	1.09	0.84	1.00	0.96
Enterprise Value Multiple	5.90	10.17	10.77	9.48	0.95
Enterprise Value	122.45M	177.04M	196.95M	183.30M	27.51M
EV to EBITDA	5.90	10.17	10.77	9.48	0.95
EV to Sales	1.37	2.18	2.60	3.18	0.40
EV to Free Cash Flow	6.27	21.53	15.11	7.74	1.86
EV to Operating Cash Flow	5.64	18.73	14.08	7.17	1.59
Tangible Book Value Per Share	15.00	13.42	12.77	11.66	14.75
Shareholders’ Equity Per Share	21.75	19.15	18.21	16.91	19.49
Tax and Other Ratios
Effective Tax Rate	0.19	0.17	0.18	0.18	0.20
Revenue Per Share	14.21	12.22	11.11	8.23	9.22
Net Income Per Share	2.17	1.72	1.77	1.79	2.46
Tax Burden	0.81	0.83	0.82	0.82	0.80
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.22	0.30	0.31	0.43	0.40
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.59	0.82	1.16	2.04	0.94

Currency in USD