SB Financial Group, Inc. (SBFG)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 66 | 69 | 58 | 57 | 57 | 66 | 68 | - |
| Operating profit | $m | 17 | 21 | ||||||
| Net profit | $m | 15 | 18 | 13 | 12 | 11 | 14 | 17 | 16 |
| EPS reported | $ | 2.19 | 2.68 | ||||||
| Operating cashflow per share | $ | 3.77 | 4.00 | ||||||
| Capex per share | $ | 0.41 | 0.28 | ||||||
| FCF per share | $ | 3.37 | 3.72 | ||||||
| Free cash flow | $m | 21 | 23 | ||||||
| Net debt | $m | -82 | -258 | ||||||
| Book value equity | $m | 141 | 147 | ||||||
| Book value per share | $ | 22.11 | 23.59 | ||||||
| Number of shares | m | 6.39 | 6.22 | ||||||
| DPS (TTM paid) | $ | 0.60 | 0.63 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.17 | 11.19 | ||||||
| P/B LTM | x | 1.00 | 0.97 | ||||||
| P/S LTM | x | 2.16 | 2.07 | ||||||
| P/FCF LTM | x | 6.62 | 6.15 | ||||||
| EV/EBITDA LTM | x | 6.84 | 5.51 | ||||||
| EV/Sales LTM | x | 1.46 | 0.97 | ||||||
| Earnings Yield LTM | % | +9.83% | +8.94% | ||||||
| FCF Yield | % | +15.11% | +16.25% | ||||||
| Quality | |||||||||
| ROE | % | +9.89% | +11.79% | ||||||
| ROIC | % | +5.93% | +1.03% | ||||||
| Operating margin | % | +18.96% | +21.85% | ||||||
| Gross margin | % | +70.59% | +71.19% | ||||||
| FCF/Sales | % | +23.55% | +24.30% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +27.33% | +55.81% | ||||||
| Sales Growth YoY | % | +15.14% | +20.06% | ||||||
| Net Income Growth YoY | % | +21.83% | +46.09% | ||||||
| FCF Growth | % | +160.73% | +180.38% | ||||||
| Operating Profit Growth | % | +24.53% | +49.57% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.71% | +2.31% | ||||||
| Dividend Growth | % | +7.14% | +12.50% | ||||||
| Payout Ratio | % | +27.51% | +23.28% | ||||||
| FCF/Debt | x | 0.34 | 0.39 | ||||||
| Net Debt/EBITDA | x | -0.45 | -3.27 | ||||||
| EBIT/Net interest | x | 0.68 | 0.78 | ||||||
| Net debt/market cap | % | +45.10% | +34.69% | ||||||
| Net debt/Equity | x | -0.58 | -1.76 | ||||||
| Gross debt/equity | x | 0.45 | 0.40 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
SB Financial Group, Inc. (SBFG)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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