SB Financial Group, Inc. (SBFG) AI Stock Analysis

SB Financial Group, Inc. is a diversified financial services company based in Defiance, Ohio, serving clients primarily in Ohio, Indiana, and Michigan. Founded in 1983 and formerly known as Rurban Financial Corp., the company operates 22 banking centers in Ohio and one in Allen County, Indiana, along with five loan production offices. It delivers commercial banking solutions including checking, savings, deposit certificates, and lending across commercial, consumer, agricultural, and residential mortgage categories. In addition, SB Financial Group offers wealth management, trust services, asset management, and brokerage capabilities.

Over the past five fiscal years, SB Financial Group grew revenue at a 4.6% CAGR, advancing from $72.6M in FY2021 to $91.0M in FY2025. Annual net income reached $14.0M in FY2025 with an operating margin of 19.0% and net margin of 15.4%, yielding diluted EPS of $2.33. For the trailing twelve months ended June 30, 2026, revenue stood at $67.6M with a profit margin of 24.8% and EPS of $2.67. In the latest quarter ended June 30, 2026, quarterly revenue increased 7.8% year-over-year while quarterly earnings rose 20.5%.

As of June 30, 2026, SB Financial Group held $317.2M in cash and short-term investments against total debt of $59.3M, yielding net cash of $257.9M. Shareholders' equity was $146.7M across $1.62B in total assets, resulting in a debt-to-equity ratio of 0.40 and a current ratio of 21.33. In FY2025, the company generated $24.0M in operating cash flow and $21.4M in free cash flow. Capital allocation included $2.6M in capital expenditures, $5.7M in share buybacks, and $3.8M in dividends paid, supporting a 15.0% decline in share count over five years.

SB Financial Group trades at a trailing P/E of 11.1x and a forward P/E of 12.3x. In comparison, the median of its US-listed Financial Services peers reflects a trailing P/E of 12.1x and forward P/E of 10.8x. Its price-to-sales multiple is 2.7x versus the peer median of 3.2x, while its price-to-book ratio is 0.9x. Over the past year, the stock returned 64.7%, outperforming the S&P 500 return of 16.8%. Over a five-year period, the shares gained 97.3% compared to 83.0% for the index.

SB Financial Group pays a forward annual dividend of $0.64 per share, providing a 2.17% yield with a 23.4% payout ratio. The quarterly dividend has been paid for 14 consecutive years and generated a 5-year annualized dividend growth rate of 9.5%. The last ex-dividend date occurred on August 14, 2026.

Consensus coverage consists of 1 Strong Buy rating. The mean price target is $29.00, representing a 1.8% decline from the last close of $29.53. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.56, reflecting 10.8% growth, on revenue of $51.1M. SB Financial Group beat EPS estimates in each of the last 4 quarters, with its next earnings release scheduled for October 22, 2026.

This page is an AI-written research summary of SB Financial Group, Inc. (SBFG). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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