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SB FINANCIAL GROUP INC

SBFGNASDAQ
πŸ† #3762 by market capUS Equity
$654.00β–Ό $50.16 (βˆ’7.67%)
Simulated price
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24hβ–Ό 7.7%
7dβ–² 2059.1%
14dβ–² 2132.5%
30dβ–² 2265.3%
ytdβ–² 2882.2%
1yβ–² 3184.8%
🏦Market Cap
$188M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+11.9%
Healthy
πŸ“ŠGross Margin
71.2%
High
πŸ’΅FCF Margin
24.3%
Strong
βš–οΈP/S Ratio
2.0x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$645.47 – $657.05
52-Week Range
$18.16 – $32.93
Volume
$3.06B
Avg Volume
$3.97B
Shares Outstanding
6.3M
Next Earnings
Nov 19, 2026

Fundamentals Snapshot

Annual Revenue
$91M
Last Q Revenue
$25M
P/E Ratio
11.2
P/S Ratio
2.0x
EPS (TTM)
$2.70
Dividend Yield
2.10%
Dilution (1yr)
βˆ’5.0%

Why Investors Own SBFG

  • βœ“High-growth profile β€” revenue up +3.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 45% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

SBFG logo

SB FINANCIAL GROUP INC

SBFG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$91Mβ–² +11.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.6%β–² +1.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$17Mβ–² +24.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$21Mβ–² +160.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
6.3Mβ–Ό βˆ’5.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$9Mβ–² +$46M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$645.75
β–Ό βˆ’1.3% Downside
High Target$712.84
Low Target$479.17
Based on 10 analysts

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