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SB Financial Group, Inc. SBFG | NASDAQ

$28.61 -$1.01 | -3.41%
SIGNAL:Signal available — unlock to view |2026-09-29 |F&G 58 |RSI 46.5

Company Overview:

Market Cap: $177.53M
Trailing PE: 10.7x
FWD PE: —
Payout Ratio (TTM): 23.3%
52-Week Range: $18.16 - $32.93

10 Year SBFG Performance Metrics:

Total Return (with DRIP): 204.0% (11.76% CAGR)
Total Return (no DRIP): 172.5% (10.55% CAGR)
Share Price: 139.8% (9.14% CAGR)
Yield on Cost (with DRIP): 6.80%
Total Invested: $10,000
Total Value (with DRIP): $30,403
Total Return $ (with DRIP): $20,403
Dividend Increase: 158.5% (10.21% CAGR)
Dividend Yield (FWD): 2.24% ($0.64)
SBFG 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
SBFG Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
SBFG Price CAGR:1Y: 48.32%2Y: 17.96%5Y: 10.56%10Y: 9.14%
SBFG Dividend Charts
SBFG - Dividends
SBFG Dividend CAGR:1Y: 5.32%2Y: 5.01%5Y: 7.87%10Y: 9.95%
SBFG - Dividend Payout Ratio
SBFG Dividend Payout Ratio CAGR:1Y: -11.97%2Y: -14.33%5Y: 1.13%10Y: -1.77%
SBFG - Dividend to Free Cash Flow Ratio
SBFG Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: -24.03%10Y: -14.50%

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SBFG Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

SBFG - Revenue
SBFG Revenue CAGR:1Y: 5.49%2Y: 11.26%5Y: 9.59%10Y: 8.74%
SBFG - Earnings Per Share (EPS)
SBFG EPS CAGR:1Y: 20.00%2Y: 23.77%5Y: 7.57%10Y: 8.11%
SBFG - Net Income
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SBFG Net Income CAGR:1Y: 16.74%2Y: 20.19%5Y: 3.64%10Y: 8.33%
SBFG - EBITDA
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SBFG EBITDA CAGR:1Y: -4.43%2Y: 13.82%5Y: -2.03%10Y: 0.00%
SBFG - Free Cash Flow
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SBFG Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 37.96%10Y: 24.45%
SBFG - Free Cash Flow / Share
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SBFG Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 43.32%10Y: 22.12%
SBFG - Operating Income
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SBFG Operating Income CAGR:1Y: 16.46%2Y: 27.73%5Y: 3.58%10Y: 5.18%
SBFG - Gross Profit
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SBFG Gross Profit CAGR:1Y: 6.41%2Y: 12.08%5Y: 2.37%10Y: 5.10%
SBFG - Shares Outstanding
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SBFG Shares Outstanding CAGR:1Y: -3.70%2Y: -3.65%5Y: -3.83%10Y: -0.75%
SBFG - Share Buybacks
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SBFG Share Buybacks CAGR:1Y: -72.99%2Y: 29.38%5Y: -31.07%10Y: 15.13%
SBFG - Stock-Based Comp
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SBFG Stock-Based Comp CAGR:1Y: 14.13%2Y: -1.63%5Y: 6.82%10Y: 14.13%
SBFG - Expenses
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SBFG Expenses CAGR:1Y: -30.68%2Y: -4.22%5Y: -25.78%10Y: -0.58%
SBFG - Revenue vs Net Income
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SBFG - EPS vs FCF / Share
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SBFG - EPS vs PE Ratio
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SBFG - FCF vs FCF / Share
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SBFG - FCF vs Stock Based Comp
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SBFG - Cash & Debt
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SBFG - Revenue by Segment
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SBFG Revenue CAGR:1Y: 5.49%2Y: 11.26%5Y: 9.59%10Y: 8.74%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SBFG - REVENUE: Actual + Estimates
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SBFG Actual Revenue CAGR:1Y: 5.49%2Y: 11.26%5Y: 9.59%10Y: 8.74%
SBFG - EPS: Actual + Estimates
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SBFG Actual EPS CAGR:1Y: 20.00%2Y: 23.77%5Y: 7.57%10Y: 8.11%
SBFG - NET INCOME: Actual + Estimates
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SBFG Actual Net Income CAGR:1Y: 16.74%2Y: 20.19%5Y: 3.64%10Y: 8.33%
SBFG - EBITDA: Actual + Estimates
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SBFG Actual EBITDA CAGR:1Y: -4.43%2Y: 13.82%5Y: -2.03%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

SBFG - Net Profit Margin
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SBFG Net Profit Margin CAGR:1Y: 10.68%2Y: 8.05%5Y: -5.42%10Y: -0.38%
SBFG - Gross Profit Margin
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SBFG Gross Profit Margin CAGR:1Y: 0.88%2Y: 0.74%5Y: -6.59%10Y: -3.35%
SBFG - Price to Earnings
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SBFG Price to Earnings CAGR:1Y: 10.25%2Y: 7.99%5Y: -0.04%10Y: 2.92%
SBFG - Price To Sales Ratio
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SBFG Price To Sales Ratio CAGR:1Y: 20.69%2Y: 16.28%5Y: -5.59%10Y: 2.46%
SBFG - Return on Capital Employed
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SBFG Return on Capital Employed CAGR:1Y: -84.22%2Y: -54.04%5Y: -1.00%10Y: -2.04%
SBFG - Return on Invested Capital
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SBFG Return on Invested Capital CAGR:1Y: -83.12%2Y: -55.30%5Y: -1.02%10Y: -0.29%

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SBFG Dividends Info:

Annual Dividend: $0.64
Forward Yield: 2.24%
Ex-Dividend Date: 2026-08-14
Lifetime Dividends / Share: $8.97

SBFG Dividend History: Dates, Payments & Yield list

Below is a schedule of all SBFG dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
08/14/202608/28/2026$0.1602.35%2.31%$27.66
05/15/202605/29/2026$0.1603.01%2.96%$21.60
02/13/202602/27/2026$0.1552.96%2.99%$20.76
11/14/202511/28/2025$0.1553.04%2.9%$21.40
08/15/202508/29/2025$0.1502.88%2.86%$21.00
05/16/202505/30/2025$0.1503.11%3.09%$19.40
02/14/202502/28/2025$0.1452.48%2.74%$21.18
11/08/202411/22/2024$0.1453.11%2.66%$21.79
08/09/202408/23/2024$0.1403.63%3.56%$15.75
05/09/202405/24/2024$0.1404.11%3.86%$14.50
02/08/202402/23/2024$0.1353.51%3.91%$13.81
11/09/202311/24/2023$0.1354.08%3.91%$13.80
08/10/202308/25/2023$0.1303.74%3.59%$14.50
05/11/202305/26/2023$0.1304.38%3.86%$13.48
02/09/202302/24/2023$0.1252.96%2.96%$16.92
11/09/202211/25/2022$0.1253.03%2.96%$16.90
08/11/202208/26/2022$0.1202.86%2.72%$17.66
05/12/202205/27/2022$0.1202.7%2.66%$18.05
02/10/202202/25/2022$0.1152.33%2.43%$18.92
11/10/202111/26/2021$0.1102.39%2.41%$18.21
08/12/202108/27/2021$0.1052.48%2.41%$17.38
05/13/202105/28/2021$0.1052.42%2.22%$18.86
02/11/202102/26/2021$0.1052.41%2.55%$16.47
11/05/202011/20/2020$0.1052.82%2.38%$17.62
08/06/202008/21/2020$0.0953.08%2.99%$12.72
05/07/202005/22/2020$0.0952.66%2.61%$14.57
02/06/202002/21/2020$0.0901.9%1.92%$18.86
11/07/201911/20/2019$0.0902.2%2.09%$17.29
08/08/201908/23/2019$0.0862.24%2.22%$15.43
05/09/201905/24/2019$0.0861.97%2.03%$16.90
02/07/201902/22/2019$0.0811.86%1.83%$17.74
11/08/201811/23/2018$0.0811.89%1.89%$17.15
08/09/201808/24/2018$0.0761.6%1.59%$19.22
05/10/201805/25/2018$0.0761.67%1.7%$17.90
02/15/201803/02/2018$0.0711.63%1.63%$17.57
11/09/201711/24/2017$0.0711.72%1.7%$16.81
08/09/201708/25/2017$0.0671.67%1.7%$15.73
05/10/201705/26/2017$0.0671.6%1.6%$16.65
02/08/201702/24/2017$0.0621.4%1.44%$17.15
11/08/201611/25/2016$0.0622.06%1.73%$14.28
08/10/201608/26/2016$0.0572.09%2%$11.43
05/11/201605/27/2016$0.0572.29%2.14%$10.70
02/10/201602/26/2016$0.0522.18%2.11%$9.95
11/10/201511/27/2015$0.0522%1.92%$10.90
08/12/201508/28/2015$0.0481.82%1.87%$10.17
05/13/201505/29/2015$0.0481.85%1.75%$10.88
02/04/201502/20/2015$0.0431.88%1.71%$10.00
11/05/201411/21/2014$0.0432.05%1.88%$9.12
08/06/201408/22/2014$0.0381.88%1.78%$8.57
05/07/201405/23/2014$0.0380.5%0.49%$7.81
02/05/201402/21/2014$0.0330.41%0.4%$8.24
10/30/201311/15/2013$0.0330.43%0.44%$7.63
07/31/201308/16/2013$0.0290.38%0.38%$7.43
05/08/201305/24/2013$0.0290.34%0.35%$8.22
03/15/201304/03/2013$0.0240.27%0.32%$7.55
11/04/200911/20/2009$0.0864.97%5%$6.86
08/05/200908/21/2009$0.0864.7%4.93%$6.95
04/29/200905/15/2009$0.0864.31%4.56%$7.52
02/04/200902/20/2009$0.0864.45%4.63%$7.41
10/30/200811/17/2008$0.0864.5%4.14%$8.29
08/06/200808/22/2008$0.0864%3.87%$8.86
04/30/200805/16/2008$0.0763.15%3.05%$10.00
02/06/200802/22/2008$0.0762.74%2.82%$10.81
10/31/200711/16/2007$0.0672.21%2.17%$12.29
08/01/200708/17/2007$0.0672.19%2.19%$12.18
05/02/200705/18/2007$0.0571.94%1.95%$11.74
02/07/200702/23/2007$0.0572.14%2.13%$10.72
11/02/200611/17/2006$0.0572.13%2.2%$10.40
08/02/200608/18/2006$0.0481.67%1.76%$10.83
05/03/200605/19/2006$0.0480.41%0.44%$10.75
02/08/200602/24/2006$0.0480.4%0.39%$12.14
11/02/200511/18/2005$0.0480.4%0.4%$12.04
08/03/200508/19/2005$0.0480.39%0.38%$12.48
05/04/200505/20/2005$0.0480.36%0.35%$13.46
02/09/200502/25/2005$0.0480.35%0.35%$13.44
06/05/200206/28/2002$0.1243.95%3.99%$12.41
03/13/200203/29/2002$0.1243.95%3.96%$12.52
12/13/200101/02/2002$0.1243.86%3.73%$13.29
09/10/200109/17/2001$0.1143.42%3.42%$13.38
06/06/200106/13/2001$0.1143.85%3.85%$11.88
03/07/200103/14/2001$0.1204.36%4.36%$11.00
12/13/200012/20/2000$0.1144.11%4.11%$11.11
09/13/200009/20/2000$0.1053.42%3.42%$12.24
06/07/200006/14/2000$0.1104%4%$11.01
03/08/200003/15/2000$0.1103.73%3.73%$11.79
12/13/199912/20/1999$0.1103.67%3.67%$11.99
09/13/199909/20/1999$0.1002.99%2.99%$13.38
06/09/199906/16/1999$0.1002.76%2.76%$14.51
03/03/199903/10/1999$0.1002.67%2.67%$14.97
12/11/199812/18/1998$0.0862.37%2.37%$14.58
09/11/199809/18/1998$0.0862.19%2.19%$15.77
06/10/199806/17/1998$0.0431.09%1.05%$16.41
03/10/199803/17/1998$0.0862.42%2.42%$14.25
12/18/199712/25/1997$0.0862.62%2.62%$13.17
09/17/199709/24/1997$0.0782.48%2.48%$12.53
06/18/199706/25/1997$0.0782.36%2.36%$13.17
03/19/199703/26/1997$0.0782.4%2.32%$13.39
12/20/199612/27/1996$0.0621.97%1.97%$12.53
09/24/199610/01/1996$0.0621.76%1.76%$13.99
06/18/199606/25/1996$0.0621.79%1.79%$13.78
03/19/199603/26/1996$0.0620%1.85%$13.37
12/19/199512/26/1995$0.0621.93%1.93%$12.80
09/20/199509/27/1995$0.0620%1.97%$12.55
06/20/199506/27/1995$0.0620%0%$-

Projected Future Returns & Dividends for SBFG

Based on past 10-year performance, here are SBFG growth metrics:

Share price CAGR of +9.14%
Dividend CAGR of +10.21%

Using SBFG CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

SBFG (DRIP)SBFG - No DRIP
Current Price$28.61$28.61
Start Shares349.53349.53
Start Value$10,000$10,000
  
After 10 years:
Final Share Count441.32349.53
Dividends Payment$0.42$0.42
Annual Dividends$747$592
Yield on cost7.47%5.92%
Share Price$68.61$68.61
Total Dividends$4,112$3,602
Final Value$30,280$27,584

Estimated Future Value + Dividends - SBFG

NOTE: Above numbers are our estimate based on SBFG's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

SB Financial Group, Inc. (SBFG) had its IPO on 1999-01-04, and is traded on NASDAQ stock exchange.

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.

SBFG website: https://ir.yourstatebank.com


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Loading signals…

DCF Model — SBFG

Value from:
Pay up to today
—
vs current price $28.61
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →