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Company Analysis

SB Financial Group, Inc. SBFG

A comprehensive view of key metrics, scores, and financial health for SB Financial Group, Inc.

Overview of SB Financial Group, Inc.

SBFG NCM
Financial Services Banks - Regional Micro Cap
SB Financial Group, Inc. (SBFG), is a Micro Cap company, in the Banks - Regional industry, last closed at $22.47, about 0.7% undervalued vs fair value, +15.6% 1Y return, ranked 474/1037 in sector.
Metrics Rev Growth 59.9% ROE 10.4% Gross Margin 70.9%
$22.47
0.58%
As of April 28, 2026
Previous close • Vol 90d: 31.1%
52-Week Range
Market Cap
$141.60M
Enterprise Value
$144.34M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats

Quick Facts

Website https://ir.yourstatebank.com/c...
HQ Defiance, OH
Employees 252
Fiscal year Dec 31

Next Events

Earnings Call May 1

Fair Value Snapshot

Bear Base Bull
$13
$23
$42
Current: $22.47 +1% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$64.3M
10.7%%
Interest Expense
$25.5M
Net Interest Income
$39.9M
1.7%%
Total Revenue
$91.0M
59.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.0%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.5M
74.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating SB Financial Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
63
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SBFG's balance between Growth (34.0%), Profitability (37.9%), and Safety (28.1%). Growth 34% Safety 28% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

54th percentile vs peers
54
Key Signals
Asset Growth YoY 12.0% 82p NII Growth YoY 1.7% 51p EPS Growth YoY -1.8% 46p Equity Growth YoY 2.5% 20p
Strengths
  • Asset Growth YoY in top 20% of peers (12.0%, 82th percentile)
  • Efficiency Ratio in top 20% of peers (51.6%, 80th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (2.5%)

Profitability

60th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
45
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for SB Financial Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$22.62
- - -
+0.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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