SBFG · Sb Financial Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $2.20M | $2.15M | $2.23M | $2.20M | $2.26M | $1.94M |
| Operating Income | $17.25M | $13.86M | $14.72M | $15.32M | $18.44M | $18.44M |
| Interest Expense | - | - | $18.88M | $5.17M | $4.02M | $6.71M |
| Income Tax | $3.28M | $2.39M | $2.62M | $2.79M | $4.45M | $3.50M |
| Net Income | $13.97M | $11.47M | $12.10M | $12.52M | $18.28M | $14.94M |
| EPS - Basic | $2.19 | $1.72 | $1.77 | $1.79 | $2.58 | $1.87 |
| EPS - Diluted | $2.19 | $1.72 | $1.75 | $1.77 | $2.56 | $1.87 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $71.54M | $25.93M | $22.96M | $27.82M | $149.51M | $140.69M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.55B | $1.38B | $1.34B | $1.34B | $1.33B | $1.26B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | $19.69M | - | $19.59M | $19.55M | - |
| Total Liabilities | $1.40B | $1.25B | $1.22B | $1.22B | $1.19B | $1.11B |
| Stockholders' Equity | $141.24M | $127.51M | $124.34M | $118.43M | $144.93M | $142.92M |
| Retained Earnings | $126.31M | $116.19M | $108.49M | $101.97M | $99.72M | $84.58M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $24.04M | $9.45M | $13.99M | $25.57M | $17.26M | $23.91M |
| Investing Cash Flow | ($68.08M) | ($28.95M) | ($17.39M) | ($165.67M) | ($71.99M) | ($57.22M) |
| Financing Cash Flow | $89.66M | $22.46M | ($1.45M) | $18.41M | $63.55M | $146.94M |
| CapEx | $2.60M | $1.23M | $958.0K | $1.90M | $2.43M | $1.98M |
| Free Cash Flow | $21.44M | $8.22M | $13.03M | $23.67M | $14.83M | $21.93M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.53 | 0.72 | 1.08 | 1.89 | 0.81 | 1.47 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.0% | 17.2% | 17.8% | 18.2% | 19.6% | 19.0% |
| Return on assets | 0.9% | 0.8% | 0.9% | 0.9% | 1.4% | 1.2% |
| Return on equity | 9.9% | 9.0% | 9.7% | 10.6% | 12.6% | 10.5% |
| Return on invested capital | - | 7.8% | - | 9.1% | 9.0% | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | 0.15 | - | 0.17 | 0.13 | - |
| Debt / Assets | - | 0.01 | - | 0.01 | 0.01 | - |
| Debt / EBITDA | - | 1.23 | - | 1.12 | 0.94 | - |
| Interest coverage | - | - | 0.8x | 3.0x | 4.6x | 2.8x |
| Equity multiplier | 10.94 | 10.82 | 10.80 | 11.28 | 9.18 | 8.80 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.91 | 0.89 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.2x | 12.2x | 8.8x | 9.6x | 7.3x | 9.3x |
| P / B | 1.0x | 1.1x | 0.9x | - | 0.9x | 0.9x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 3.6x | 8.3x | 4.9x | - | 0.2x | -0.4x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 24.5% | -5.9% | -3.9% | -16.9% | 0.0% | 26.0% |
| Net income growth (YoY) | 21.8% | -5.2% | -3.4% | -31.5% | 22.3% | 24.8% |
| EPS growth (YoY) | 27.3% | -1.7% | -1.1% | -30.9% | 37.1% | 23.6% |
| EPS CAGR (3y) | 7.4% | -12.4% | -2.1% | 5.4% | 19.2% | 2.4% |
| EPS CAGR (5y) | 3.2% | 2.6% | 3.0% | 0.3% | 13.2% | 9.4% |
| FCF growth (YoY) | 160.7% | -36.9% | -45.0% | 59.6% | -32.4% | 30.6% |
| FCF CAGR (5y) | -0.5% | -13.3% | 1.9% | 31.2% | 3.7% | 73.0% |
| Book value growth (YoY) | 10.8% | 2.5% | 5.0% | -18.3% | 1.4% | 5.0% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing SB FINANCIAL GROUP against the 5 most active filers in the same SIC group.
Dividends
$0.62/share trailing 12 months · +6.9% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.1600 |
| Feb 13, 2026 | $0.1550 |
| Nov 14, 2025 | $0.1550 |
| Aug 15, 2025 | $0.1500 |
| May 16, 2025 | $0.1500 |
| Feb 14, 2025 | $0.1450 |
| Nov 8, 2024 | $0.1450 |
| Aug 9, 2024 | $0.1400 |
| May 9, 2024 | $0.1400 |
| Feb 8, 2024 | $0.1350 |
| Nov 9, 2023 | $0.1350 |
| Aug 10, 2023 | $0.1300 |
| May 11, 2023 | $0.1300 |
| Feb 9, 2023 | $0.1250 |
| Nov 9, 2022 | $0.1250 |
| Aug 11, 2022 | $0.1200 |
| May 12, 2022 | $0.1200 |
| Feb 10, 2022 | $0.1150 |
| Nov 10, 2021 | $0.1095 |
| Aug 12, 2021 | $0.1048 |
| May 13, 2021 | $0.1048 |
| Feb 11, 2021 | $0.1000 |
| Nov 5, 2020 | $0.1000 |
| Aug 6, 2020 | $0.0952 |