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    S

    SB Financial Group Inc (SBFG)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $29.24
    -0.23 (-0.78%)

    Market Cap: $183.46M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(27/34)
    Avg Surprise
    +14.40%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.62
    Range$0.62 - $0.62
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.60+3.3%
    60d ago$0.60+3.3%
    30d ago$0.60+3.3%
    7d ago$0.60+3.3%
    Current$0.62
    Revenue Consensus
    $13M
    Range$13M - $13M
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.65
    Range$0.65 - $0.65
    1 analysts
    Revenue Consensus
    $13M
    Range$13M - $13M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.65---
    Sep 26EST
    		-$0.62---
    Jun 26
    Reported Jul 23
    		$0.73$0.69+5.80%Beat+25.9%
    Mar 26
    Reported Apr 23
    		$0.63$0.60+5.00%Beat+50.0%
    Dec 25
    Reported Jan 29
    		$0.65$0.64+1.56%Beat+25.0%
    Sep 25
    Reported Oct 30
    		$0.68$0.62+9.68%Beat+65.9%
    Jun 25
    Reported Jul 24
    		$0.58$0.54+7.41%Beat+26.1%
    Mar 25
    Reported May 1
    		$0.42$0.40+5.00%Beat+27.3%
    Dec 24
    Reported Jan 24
    		$0.52$0.41+26.83%Beat-8.8%
    Sep 24
    Reported Oct 24
    		$0.41$0.42-2.38%Miss+2.5%
    Jun 24
    Reported Jul 18
    		$0.46$0.35+31.43%Beat+2.2%
    Mar 24
    Reported Apr 18
    		$0.33$0.30+10.00%Beat-2.9%
    Dec 23
    Reported Jan 26
    		$0.57$0.35+62.86%Beat+16.3%
    Sep 23
    Reported Oct 30
    		$0.40$0.41-2.44%Miss-14.9%
    Jun 23
    Reported Jul 27
    		$0.45$0.38+18.42%Beat+21.6%
    Mar 23
    Reported Apr 20
    		$0.34$0.40-15.00%Miss+13.3%
    Dec 22
    Reported Jan 26
    		$0.49$0.45+8.89%Beat+16.7%
    Sep 22
    Reported Nov 1
    		$0.47$0.46+2.17%Beat-11.3%
    Jun 22
    Reported Jul 25
    		$0.37$0.33+12.12%Beat-26.0%
    Mar 22
    Reported Apr 28
    		$0.30$0.25+20.00%Beat-53.8%
    Dec 21
    Reported Jan 27
    		$0.42$0.36+16.67%Beat-42.5%
    Sep 21
    Reported Oct 28
    		$0.53$0.44+20.45%Beat-14.5%
    Jun 21
    Reported Jul 26
    		$0.50$0.51-1.96%Miss-26.5%
    Mar 21
    Reported Apr 30
    		$0.65$0.56+16.07%Beat+116.7%
    Dec 20
    Reported Jan 28
    		$0.73$0.39+87.18%Beat+97.3%
    Sep 20
    Reported Oct 29
    		$0.62$0.50+24.00%Beat+34.8%
    Jun 20
    Reported Jul 27
    		$0.68$0.40+70.00%Beat+78.9%
    Mar 20
    Reported Apr 23
    		$0.30$0.23+30.43%Beat-9.1%
    Dec 19
    Reported Mar 6
    		$0.37$0.34+8.82%Beat+5.7%
    Sep 19
    Reported Oct 28
    		$0.46$0.46+0.00%Beat+24.3%
    Jun 19
    Reported Jul 23
    		$0.38$0.42-9.52%Miss+0.0%
    Mar 19
    Reported Apr 18
    		$0.33$0.30+10.00%Beat+0.0%
    Dec 18
    Reported Mar 8
    		$0.35$0.36-2.78%Miss-45.3%
    Sep 18
    Reported Oct 18
    		$0.37$0.38-2.63%Miss-5.1%
    Jun 18
    Reported Jul 19
    		$0.38$0.36+5.56%Beat+15.2%
    Mar 18
    Reported Apr 19
    		$0.33$0.30+10.00%Beat+22.2%
    Dec 17
    Reported Mar 9
    		$0.64N/AN/ABeat+75.6%
    Sep 17
    Reported Oct 19
    		$0.39N/AN/ABeat-
    Jun 17
    Reported Jul 20
    		$0.33N/AN/ABeat-
    Mar 17
    Reported Apr 20
    		$0.27N/AN/ABeat-
    Dec 16
    Reported Jan 19
    		$0.36N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.19%
    Forward Annual Dividend$0.64
    Payout Ratio23.33%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+7.72%
    5Y CAGR+8.45%
    SBFG dividend history and ex-dividend datesRun SBFG in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.87EV/EBITDA3.75x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin24.80%Operating Margin31.40%
    ROE11.90%ROIC8.34%
    Financial Health
    Debt/Equity0.36xInterest Coverage0.78x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.18Avg Volume14.94K
    52-Week High$32.9352-Week Low$17.66

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$29.23
    SMA 20$29.54
    SMA 50$28.44
    SMA 200$23.76
    EMA 10$29.34
    EMA 20$29.28
    EMA 50$28.39
    EMA 200$24.71

    MACD

    Line: 0.20Signal: 0.32Hist: -0.12

    ADX

    ADX: 15.6+DI: 20.2-DI: 16.9

    Aroon & PSAR

    Aroon Up56.0
    Aroon Down36.0
    PSAR$32.70

    Bollinger Bands

    Upper Band$30.48
    Lower Band$28.60
    %B Position637%(Upper)
    Band Width0.34

    RSI (14-Day)

    Neutral
    51.2

    Momentum Oscillators

    Stoch %K19.2
    Stoch %D32.0
    Williams %R-82.4
    ROC (10d)-1.3%
    Momentum-0.38
    CCI (20d)-37.3
    MFI (14d)56.2

    Volatility Measures

    ATR (14d)$1.10(3.8%)
    StdDev (20d)0.47
    Hist Vol25.1%(Moderate)

    Volume Flow

    VWAP$29.29
    OBV2.3M
    AD Line-3.0M
    CMF (20d)0.017

    Volume Metrics

    Avg Vol (20d)15.2K
    Vol Ratio0.7x
    VWMA (20d)$29.50

    Pivot Points

    R3$30.41
    R2$30.05
    R1$29.76
    Pivot Point$29.41
    S1$29.11
    S2$28.76
    S3$28.47

    Advanced Oscillators

    TSI7.43
    Ultimate Osc35.3
    KST32.71

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$17.94M$17.42M$16.42M$16.58M$17.18M$15.39M$15.45M$14.31M$14.04M$13.13M$15.12M$13.70M
    Cost of RevenueN/A$6.81M$6.76M$6.60M$6.94M$6.48M$5.87M$6.56M$6.00M$6.12M$5.47M$5.25M
    Gross ProfitN/A$17.21M$16.22M$16.45M$16.58M$15.00M$15.53M$14.11M$14.04M$13.13M$15.19M$13.71M
    Operating Expenses$12.14M$11.93M$11.24M$11.50M$11.85M$12.41M$11.00M$11.00M$10.67M$10.28M$10.37M$10.48M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$5.28M$4.98M$4.96M$4.73M$2.59M$4.53M$3.11M$3.37M$2.85M$4.82M$3.22M
    Interest Income$19.82M$19.31M$19.27M$18.81M$18.47M$17.37M$16.85M$16.55M$15.65M$15.30M$15.13M$14.80M
    Interest Expense$6.87M$6.59M$6.56M$6.47M$6.34M$6.09M$5.95M$6.36M$6.00M$6.12M$5.54M$5.26M
    Income Before Tax$5.50M$5.28M$4.98M$4.96M$4.73M$2.59M$4.53M$3.11M$3.37M$2.85M$4.82M$3.22M
    Income Tax Expense$1.01M$985,000$1.06M$910,000$875,000$431,000$892,000$752,000$261,000$481,000$937,000$537,000
    Net Income$4.50M$4.30M$3.92M$4.05M$3.85M$2.16M$3.63M$2.35M$3.11M$2.37M$3.88M$2.69M
    EBITDA$6.74M$6.56M$6.29M$5.95M$5.86M$3.65M$5.36M$4.66M$4.42M$3.90M$5.41M$4.28M
    EBIT$5.50M$5.28M$4.98M$4.78M$4.73M$2.60M$4.33M$3.61M$3.42M$2.94M$4.42M$3.22M
    * Some calculated fields are derived from available data when not provided by source

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    News

    SBFG Q3'26 Earnings: EPS estimate is 0.62 USD

    SB Financial Group, Inc. (SBFG) is scheduled to release its Q3'26 earnings on October 22, before the market opens. The company's EPS for Q3'26 is estimated to be $0.62. This article provides a brief overview...

    TradingView•10/15/26•Neutral

    Understanding Momentum Shifts in (SBFG)

    This article from Stock Traders Daily analyzes momentum shifts for Sb Financial Group Inc. (NASDAQ: SBFG), highlighting a neutral near and mid-term outlook with a potential long-term positive bias. It presents...

    Stock Traders Daily•10/6/26•Neutral

    SB Financial Group Inc (SBFG) Shares Fall 3.4% -- What GF Score of 67 Tells Investors

    SB Financial Group Inc (SBFG) experienced a 3.4% share price drop, bringing its current price to $28.61. The stock is considered overvalued by 21.6% according to GF Value™ and holds a GF Score™ of 67/100...

    GuruFocus•9/30/26•Somewhat-Bearish

    SB Financial Looks Attractive Even With Recent Macro Headwinds (NASDAQ:SBFG)

    SB Financial Group, Inc. (SBFG) shows strong bottom-line growth, boosted by healthy loan expansion and low nonperforming assets. Despite market volatility...

    Seeking Alpha•9/30/26•Bullish

    SB Financial Group, Inc. Announces Schedule for Third Quarter 2026 Results

    SB Financial Group, Inc. (NASDAQ: SBFG) has announced it will release its third-quarter 2026 financial results on Thursday, October 22, 2026...

    Yahoo Finance•9/26/26•Neutral

    SBFG Valuation and Fair Value

    P/E
    10.9x
    Forward P/E
    12.3x
    EV/EBITDA
    3.8x
    PEG
    0.0x
    P/B
    1.2x
    See GNG's fair value

    SBFG Profitability: Margins, ROIC and FCF

    Operating margin
    31.4%
    Net margin
    24.8%
    ROIC
    8.3%
    ROE
    11.9%
    FCF margin
    34.3%

    SBFG Competitors

    CompanyTicker
    BV Financial, Inc. Common StockBVFL
    ECB Bancorp Inc.ECBK
    United Security BancsharesUBFO
    Cantor Equity Partners, Inc. Class A Ordinary SharesCEP
    Nabors Energy Transition Corp. II UnitNETDU
    Westwood Holdings Group IncWHG
    Future Vision II Acquisition Corporation UnitsFVNNU
    Neostellar Capital Corp.NSLR

    Sector: Financial Services

    SBFG Bull Case vs Bear Case

    Bull case

    • SBFG converts 34.3% of revenue into free cash flow.
    • SBFG has a 24.8% net profit margin.
    • SBFG beat EPS estimates in 87.5% of its last 8 reported quarters.

    SBFG Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    7.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.62
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    SBFG Dividend

    Forward yield
    2.2%
    Payout ratio
    23.3%
    3Y DPS growth
    7.7%
    5Y DPS growth
    8.4%
    Pay months
    Feb, May, Aug, Nov
    SBFG dividend history

    Frequently Asked Questions About SBFG

    What is SBFG's current dividend yield?

    SB Financial Group Inc (SBFG) has a forward dividend yield of 2.19%.

    Does SBFG pay dividends?

    Yes, SB Financial Group Inc pays dividends with a forward dividend yield of 2.19%.

    What is SBFG's P/E ratio?

    SB Financial Group Inc has a price-to-earnings (P/E) ratio of 10.87.

    What is SBFG's market cap?

    SB Financial Group Inc (SBFG) has a market capitalization of $183.46M with a current stock price of $29.24.

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