What is SB Financial Group, Inc.'s earnings per share (EPS)?

SB Financial Group, Inc. (SBFG) reported diluted earnings per share of $2.19 for fiscal year 2025. This represents a 27.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

SB Financial Group, Inc. (SBFG) Financials

SBFG

Trailing 12 months to June 30, 2026

Revenue $68.4M +9.7% YoY

Net Income $16.8M +39.7% YoY

EPS (Diluted) $2.68 +46.4% YoY

Free Cash Flow $23.1M +118.9% YoY

Market Cap $189.5M as of Oct 23, 2026

Price / Sales 2.8x on $68.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.3x on $16.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $146.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SBFG SEC filings page.

SB Financial Group, Inc. (SBFG) reported $68.4M in revenue over the twelve months to Jun 30, 2026, up 9.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SBFG FY2025 2026-10-25

FY2025's recovery restored cash generation, but growth remains liability-funded and higher interest costs constrain the earnings benefit.

The cash-flow rebound outpaced earnings: operating cash flow rose 154.4% in FY2025 while net income rose 21.8%. At the same time, assets grew 12.0% and liabilities 12.2%, indicating that expansion was financed almost proportionally by obligations rather than equity.

The balance-sheet structure is highly liability-dependent: liabilities were 90.9% of assets and the liabilities-to-equity ratio was 9.9x in FY2025. ROA improved only from 0.8% in FY2024 to 0.9% in FY2025, so added assets have not materially changed asset productivity.

Funding pressure is visible across the cycle: interest expense increased 34.9% from FY2023 to FY2025 while revenue increased 15.0%. Meanwhile, capital expenditures rose 171.6% but free cash flow rose only 64.5%, showing that reinvestment absorbed a much larger step-up than cash generation.

Financial Health Signals

Financial Health Score 47/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of SB Financial Group, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

SB Financial Group, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and SB Financial Group, Inc. scores 51/100 among other banks.

Growth

SB Financial Group, Inc. reported revenue of $65.6M in fiscal year 2025, against $56.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and SB Financial Group, Inc. scores 46/100 among other banks.

Capital

SB Financial Group, Inc. funded 9.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $141.2M of equity against $1.5B of assets. Capital ranks banks on that cushion, and SB Financial Group, Inc. scores 22/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. SB Financial Group, Inc. scores 23/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. SB Financial Group, Inc. scores 73/100 on it among other banks.

Stability

SB Financial Group, Inc. reported net income of $14.0M in fiscal year 2025, against $11.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and SB Financial Group, Inc. scores 65/100 among other banks.

Piotroski F-Score Partial

6/6

SB Financial Group, Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$17.9M

YoY+4.5%

QoQ+3.0%

5Y CAGR+2.7%

10Y CAGR+5.3%

SB Financial Group, Inc. generated $17.9M in revenue in Q2 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.

Net Income

$4.5M

YoY+16.7%

QoQ+4.7%

5Y CAGR+3.6%

10Y CAGR+7.1%

SB Financial Group, Inc. reported $4.5M in net income in Q2 2026. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.

EPS (Diluted)

$0.72

YoY+20.0%

QoQ+4.3%

SB Financial Group, Inc. earned $0.72 per diluted share (EPS) in Q2 2026. This represents an increase of 20.0% from the same quarter a year earlier. Against the prior quarter it is up 4.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$6.5M

YoYn/m

QoQn/m

5Y CAGR+38.0%

10Y CAGR+24.4%

SB Financial Group, Inc. generated $6.5M in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$138.2M

YoY+73.9%

QoQ+9.4%

5Y CAGR-2.3%

10Y CAGR+16.5%

SB Financial Group, Inc. held $138.2M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.16

YoY+6.7%

QoQ+3.2%

SB Financial Group, Inc. paid $0.16 per share in dividends in Q2 2026. This represents an increase of 6.7% from the same quarter a year earlier. Against the prior quarter it is up 3.2%.

Shares Outstanding

YoY-1.2%

QoQ-0.4%

SB Financial Group, Inc. had 6M shares outstanding in Q2 2026. This represents a decrease of 1.2% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.

Margins & Returns

Net Margin

25.1%

YoY+2.6pp

QoQ+0.4pp

5Y change+1.1pp

10Y change+4.0pp

SB Financial Group, Inc.'s net profit margin was 25.1% in Q2 2026, showing the share of revenue converted to profit. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Return on Equity

3.1%

YoY+0.2pp

QoQ+0.1pp

5Y change+0.4pp

10Y change+0.4pp

SB Financial Group, Inc.'s quarterly ROE was 3.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$626K

YoY-73.0%

QoQ-7.4%

5Y CAGR-31.1%

10Y CAGR+15.1%

SB Financial Group, Inc. spent $626K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 73.0% from the same quarter a year earlier. Against the prior quarter it is down 7.4%.

Capital Expenditures

$366K

YoY-30.7%

QoQ+59.8%

5Y CAGR-25.8%

10Y CAGR-0.6%

SB Financial Group, Inc. invested $366K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 30.7% from the same quarter a year earlier. Against the prior quarter it is up 59.8%.

R&D Spending

Not reported for Q2 2026.

SBFG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SBFG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$68.4M	$65.6M+15.1%	$56.9M-0.1%	$57.0M-1.1%	$57.6M-16.0%	$68.6M+3.1%	$66.5M+22.5%	$54.3M+8.9%	$49.9M+9.4%	$45.6M+4.3%	$43.7M+12.0%	$39.0M+15.7%	$33.8M-3.2%	$34.9M-2.0%	$35.6M+2.9%	$34.6M
Interest Expense	$26.5M	$25.5M+4.3%	$24.4M+29.4%	$18.9M+265.2%	$5.2M+28.6%	$4.0M-40.0%	$6.7M-30.0%	$9.6M+54.1%	$6.2M+51.7%	$4.1M+28.0%	$3.2M+23.8%	$2.6M-25.7%	$3.5M-13.8%	$4.0M-25.1%	$5.4M-20.7%	$6.8M
Income Tax	$4.0M	$3.3M+37.5%	$2.4M-9.0%	$2.6M-6.2%	$2.8M-37.1%	$4.4M+27.2%	$3.5M+31.4%	$2.7M-5.2%	$2.8M+9.6%	$2.6M-37.8%	$4.1M+20.9%	$3.4M+63.3%	$2.1M-7.0%	$2.2M+16.3%	$1.9M+193.2%	$658K
Net Income	$16.8M	$14.0M+21.8%	$11.5M-5.2%	$12.1M-3.4%	$12.5M-31.5%	$18.3M+22.3%	$14.9M+24.8%	$12.0M+2.9%	$11.6M+5.2%	$11.1M+26.0%	$8.8M+15.3%	$7.6M+44.8%	$5.3M+1.1%	$5.2M+8.1%	$4.8M+189.3%	$1.7M
EPS (Basic)	N/A	$2.19+27.3%	$1.72-2.8%	$1.77-1.1%	$1.79-30.6%	$2.58+31.6%	$1.96+14.6%	$1.71	$1.72	$2.10	$1.60+17.6%	$1.36+25.9%	$1.08	$1.07+8.1%	$0.99	$0.34
EPS (Diluted)	$2.68	$2.19+27.3%	$1.72-1.7%	$1.75-1.1%	$1.77-30.9%	$2.56+30.6%	$1.96+29.8%	$1.51	$1.51	$1.74	$1.38+16.0%	$1.19+11.2%	$1.07	$1.07+8.1%	$0.99	$0.34
Diluted Shares (Avg)	N/A	6M-4.4%	7M-3.4%	7M-2.3%	7M-0.7%	7M-6.6%	8M-3.8%	8M	7,719	6M	6,376-0.7%	6,423+30.0%	4,942	5M+0.4%	5M	4,862

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$17.9M+4.5%	$17.4M+13.2%	$16.4M+6.3%	$16.6M+15.9%	$17.2M+22.3%	$15.4M+17.2%	$15.5M+2.2%	$14.3M+4.5%
Interest Expense	$6.9M+8.3%	$6.6M+8.2%	$6.6M+10.3%	$6.5M+1.8%	$6.3M+5.7%	$6.1M-0.4%	$6.0M+7.4%	$6.4M+21.0%
Income Tax	$1.0M+15.2%	$985K+128.5%	$1.1M+19.4%	$910K+21.0%	$875K+235.2%	$431K-10.4%	$892K-4.8%	$752K+40.0%
Net Income	$4.5M+16.7%	$4.3M+99.1%	$3.9M+7.8%	$4.0M+71.9%	$3.9M+23.7%	$2.2M-8.9%	$3.6M-6.4%	$2.4M-12.4%
EPS (Basic)	$0.72+20.0%	$0.69+109.1%	$0.62+12.7%	$0.64+82.9%	$0.60+27.7%	$0.33-5.7%	$0.55-3.5%	$0.35-12.5%
EPS (Diluted)	$0.72+20.0%	$0.69+109.1%	$0.63+14.5%	$0.64+82.9%	$0.60+27.7%	$0.33-5.7%	$0.55-3.5%	$0.35-10.3%
Diluted Shares (Avg)	6M-3.7%	6M-4.0%	N/A	6M-5.5%	6M-3.6%	7M-3.3%	N/A	7M-3.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

SBFG Balance Sheet

SBFG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.5B+12.0%	$1.4B+2.7%	$1.3B+0.6%	$1.3B+0.4%	$1.3B+5.8%	$1.3B+21.1%	$1.0B+5.2%	$986.8M+12.6%	$876.6M+7.4%	$816.0M+11.3%	$733.1M+7.1%	$684.2M+8.3%	$631.8M-1.0%	$638.2M+1.5%	$628.7M
Cash & Equivalents	$71.5M+175.9%	$25.9M+12.9%	$23.0M-17.4%	$27.8M-81.4%	$149.5M+6.3%	$140.7M+419.8%	$27.1M-44.0%	$48.4M+81.7%	$26.6M+56.5%	$17.0M-16.8%	$20.5M-27.4%	$28.2M+114.6%	$13.1M-31.4%	$19.1M+29.0%	$14.8M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$91.0M+9.9%	$82.8M-8.1%	$90.1M+0.4%	$89.8M+5.3%	$85.2M-5.1%	$89.8M-9.0%	$98.7M	N/A
Accounts Receivable	$1.2B+12.9%	$1.0B+4.8%	$984.4M+3.8%	$948.3M+17.2%	$808.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	N/A	N/A	$700K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$27.2M+16.9%	$23.2M0.0%	$23.2M0.0%	$23.2M+0.2%	$23.2M+5.0%	$22.1M+24.2%	$17.8M+8.8%	$16.4M-0.3%	$16.4M0.0%	$16.4M+0.3%	$16.4M0.0%	$16.4M0.0%	$16.4M0.0%	$16.4M0.0%	$16.4M
Total Liabilities	$1.4B+12.2%	$1.3B+2.7%	$1.2B+0.1%	$1.2B+2.6%	$1.2B+6.4%	$1.1B+23.5%	$902.5M+5.4%	$856.4M+9.4%	$782.6M+7.3%	$729.5M+11.9%	$651.8M+7.1%	$608.5M+5.7%	$575.5M-1.6%	$585.0M+0.7%	$580.7M
Long-Term Debt	N/A	$19.7M+0.2%	$19.6M+0.2%	$19.6M+0.2%	$19.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$589K-65.4%	$1.7M-39.0%	$2.8M
Total Equity	$141.2M+10.8%	$127.5M+2.5%	$124.3M+5.0%	$118.4M-18.3%	$144.9M+1.4%	$142.9M+5.0%	$136.1M+4.3%	$130.4M+38.8%	$94.0M+8.6%	$86.5M+6.5%	$81.2M+7.3%	$75.7M+34.5%	$56.3M+5.6%	$53.3M+11.2%	$47.9M
Retained Earnings	$126.3M+8.7%	$116.2M+7.1%	$108.5M+6.4%	$102.0M+2.3%	$99.7M+17.9%	$84.6M+16.3%	$72.7M+13.6%	$64.0M+15.5%	$55.4M+18.7%	$46.7M+16.5%	$40.1M+16.5%	$34.4M+15.0%	$29.9M+18.3%	$25.3M+23.5%	$20.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.6B+9.0%	$1.6B+6.9%	$1.5B+12.0%	$1.5B+7.3%	$1.5B	$1.5B	$1.4B+2.7%	$1.4B+5.1%
Cash & Equivalents	$138.2M+73.9%	$126.3M+20.1%	$71.5M+175.9%	$85.0M+72.3%	$79.5M+261.5%	$105.1M+295.3%	$25.9M+12.9%	$49.3M+159.1%
Accounts Receivable	$1.2B+8.7%	$1.2B+8.6%	$1.2B+12.9%	$1.1B+7.9%	$1.1B	$1.1B	$1.0B+4.8%	$1.0B+4.3%
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$600K
Goodwill	$27.2M0.0%	$27.2M0.0%	$27.2M+16.9%	$27.2M+16.9%	$27.2M+16.9%	$27.2M+16.9%	$23.2M0.0%	$23.2M0.0%
Total Liabilities	$1.5B+8.9%	$1.5B+6.7%	$1.4B+12.2%	$1.4B+7.8%	$1.4B	$1.4B	$1.3B+2.7%	$1.3B+3.9%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$19.7M+0.2%	$19.7M+0.2%
Total Equity	$146.7M+9.8%	$143.7M+9.2%	$141.2M+10.8%	$136.9M+3.1%	$133.6M+6.5%	$131.5M+6.3%	$127.5M+2.5%	$132.8M+18.2%
Retained Earnings	$133.1M+10.7%	$129.6M+10.4%	$126.3M+8.7%	$123.4M+8.7%	$120.3M	$117.4M	$116.2M+7.1%	$113.5M+7.6%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Current Liabilities, Non-Current Liabilities.

SBFG Cash Flow Statement

SBFG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$24.8M	$24.0M+154.4%	$9.5M-32.4%	$14.0M-45.3%	$25.6M+48.2%	$17.3M-27.8%	$23.9M+27.0%	$18.8M+35.9%	$13.8M+41.3%	$9.8M-30.1%	$14.0M+62.8%	$8.6M+72.1%	$5.0M-64.1%	$13.9M+88.0%	$7.4M-50.3%	$14.9M
Depreciation & Amortization	N/A	$2.2M+2.2%	$2.2M-3.8%	$2.2M+1.8%	$2.2M-2.9%	$2.3M+16.8%	$1.9M+3.1%	$1.9M+11.0%	$1.7M+8.1%	$1.6M+3.8%	$1.5M+37.6%	$1.1M+21.8%	$901K	N/A	N/A	N/A
Stock-Based Compensation	N/A	$536K-15.9%	$637K+10.6%	$576K+1.4%	$568K+28.2%	$443K+16.0%	$382K-8.4%	$417K+50.0%	$278K-8.3%	$303K+165.8%	$114K+40.7%	$81K-10.0%	$90K+40.6%	$64K+25.5%	$51K-42.0%	$88K
Capital Expenditures	$1.7M	$2.6M+111.7%	$1.2M+28.3%	$958K-49.5%	$1.9M-21.9%	$2.4M+22.6%	$2.0M-3.1%	$2.0M+2.2%	$2.0M-46.2%	$3.7M+127.0%	$1.6M-77.3%	$7.2M+279.9%	$1.9M+64.5%	$1.2M+38.3%	$833K+22.5%	$680K
Free Cash Flow	$23.1M	$21.4M+160.7%	$8.2M-36.9%	$13.0M-45.0%	$23.7M+59.6%	$14.8M-32.4%	$21.9M+30.6%	$16.8M+41.6%	$11.9M+94.6%	$6.1M-50.9%	$12.4M+775.0%	$1.4M-54.5%	$3.1M-75.7%	$12.8M+94.3%	$6.6M-53.7%	$14.2M
Investing Cash Flow	-$78.2M	-$68.1Mn/m	-$28.9Mn/m	-$17.4Mn/m	-$165.7Mn/m	-$72.0Mn/m	-$57.2Mn/m	-$67.6Mn/m	-$87.6Mn/m	-$49.5Mn/m	-$90.7Mn/m	-$54.7Mn/m	-$36.6Mn/m	-$8.9Mn/m	-$10.0M-353.1%	$4.0M
Financing Cash Flow	$112.1M	$89.7M+299.2%	$22.5Mn/m	-$1.5M-107.9%	$18.4M-71.0%	$63.6M-56.7%	$146.9M+434.6%	$27.5M-71.2%	$95.5M+93.6%	$49.3M-32.7%	$73.3M+91.1%	$38.3M-17.9%	$46.7Mn/m	-$11.0M-259.4%	$6.9Mn/m	-$34.5M
Dividends Paid	$3.9M	$3.8M+2.1%	$3.8M+5.2%	$3.6M+4.9%	$3.4M+8.8%	$3.1M+2.2%	$3.1M+31.7%	$2.3M+11.5%	$2.1M+53.5%	$1.4M+15.4%	$1.2M+20.0%	$983K	N/A	N/A	N/A	$0
Share Buybacks	$4.0M	$5.7M+19.3%	$4.8M+37.4%	$3.5M-41.2%	$5.9M-38.0%	$9.5M+32.8%	$7.2M+41.9%	$5.0M+4533.0%	$109K-93.9%	$1.8M+52.8%	$1.2M+58300.0%	$2K	N/A	N/A	N/A	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$6.8Mn/m	-$3.0M-144.7%	$8.3M+38.9%	$12.7M+250.5%	-$3.6Mn/m	$6.7M+2076.3%	$6.0M-12.0%	$3.6M-55.5%
Depreciation & Amortization	$573K+4.9%	$582K+7.0%	$562K+3.9%	$546K+2.2%	$546K+4.2%	$544K-1.4%	$541K-2.9%	$534K-6.0%
Stock-Based Compensation	$200K0.0%	$155K-1.3%	N/A	$100K0.0%	$200K0.0%	$157K-6.0%	N/A	$100K
Capital Expenditures	$366K-30.7%	$229K-75.2%	$698K+147.5%	$453K+16.5%	$528K+32.3%	$923K+480.5%	$282K+61.1%	$389K+43.0%
Free Cash Flow	$6.5Mn/m	-$3.2M-155.8%	$7.6M+33.5%	$12.2M+278.7%	-$4.2Mn/m	$5.8M+3779.2%	$5.7M-14.0%	$3.2M-58.9%
Investing Cash Flow	-$5.0Mn/m	$2.1M-76.9%	-$63.1Mn/m	-$12.2Mn/m	-$1.9Mn/m	$9.2M-21.6%	-$14.1Mn/m	-$18.6M-607.3%
Financing Cash Flow	$10.0Mn/m	$55.6M-12.2%	$41.4Mn/m	$5.1M-88.0%	-$20.1M-630.9%	$63.3Mn/m	-$15.3M-464.8%	$42.3Mn/m
Dividends Paid	$1.0M+2.8%	$976K+3.1%	$977K+1.3%	$949K+0.6%	$976K+3.2%	$947K+3.3%	$964K+5.0%	$943K+5.8%
Share Buybacks	$626K-73.0%	$676K-5.1%	$649K-76.3%	$2.0M+77.8%	$2.3M+519.8%	$712K+36.7%	$2.7M+268.8%	$1.1M+83.9%

SBFG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SBFG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	21.3%+1.2pp	20.1%-1.1pp	21.2%-0.5pp	21.7%-4.9pp	26.7%+4.2pp	22.5%+0.4pp	22.0%-1.3pp	23.3%-0.9pp	24.3%+4.2pp	20.1%+0.6pp	19.5%+3.9pp	15.6%+0.7pp	14.9%+1.4pp	13.5%+8.7pp	4.8%
Return on Equity	9.9%+0.9pp	9.0%-0.7pp	9.7%-0.8pp	10.6%-2.0pp	12.6%+2.1pp	10.5%+1.7pp	8.8%-0.1pp	8.9%-2.8pp	11.8%+1.6pp	10.2%+0.8pp	9.4%+2.4pp	7.0%-2.3pp	9.3%+0.2pp	9.0%+5.6pp	3.5%
Return on Assets	0.9%+0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%-0.4pp	1.4%+0.2pp	1.2%0.0pp	1.1%0.0pp	1.2%-0.1pp	1.3%+0.2pp	1.1%0.0pp	1.0%+0.3pp	0.8%-0.1pp	0.8%+0.1pp	0.8%+0.5pp	0.3%
Debt-to-Equity	N/A	0.150.0x	0.160.0x	0.170.0x	0.13	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.010.0x	0.030.0x	0.06
Liabilities-to-Equity	9.94+0.1x	9.820.0x	9.80-0.5x	10.28+2.1x	8.18+0.4x	7.80+1.2x	6.63+0.1x	6.57-1.8x	8.33-0.1x	8.43+0.4x	8.020.0x	8.04-2.2x	10.23-0.8x	10.98-1.1x	12.12
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.060.0x	0.06
FCF Margin	32.7%+18.3pp	14.4%-8.4pp	22.9%-18.2pp	41.1%+19.5pp	21.6%-11.3pp	33.0%+2.1pp	30.9%+7.2pp	23.8%+10.4pp	13.4%-15.0pp	28.3%+24.7pp	3.6%-5.6pp	9.2%-27.5pp	36.7%+18.2pp	18.5%-22.7pp	41.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	25.1%+2.6pp	24.7%+10.6pp	23.9%+0.3pp	24.4%+8.0pp	22.4%+0.3pp	14.0%-4.0pp	23.5%-2.2pp	16.4%-3.2pp
Return on Equity	3.1%+0.2pp	3.0%+1.3pp	2.8%-0.1pp	2.9%+1.2pp	2.9%+0.4pp	1.6%-0.3pp	2.9%-0.3pp	1.8%-0.6pp
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%	0.1%	0.3%0.0pp	0.2%0.0pp
Debt-to-Equity	N/A	N/A	N/A	N/A	N/A	N/A	0.150.0x	0.150.0x
Liabilities-to-Equity	10.04-0.1x	10.17-0.2x	9.94+0.1x	9.93+0.4x	10.12	10.41	9.820.0x	9.49-1.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.01	0.01	0.010.0x	0.010.0x
FCF Margin	36.0%+60.2pp	-18.5%-56.1pp	46.1%+9.4pp	73.8%+51.2pp	-24.2%-18.3pp	37.6%+36.4pp	36.7%-6.9pp	22.6%-34.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
SB Financial Group, Inc. SBFG	FY2025	$65.6M	$14.0M	21.3%	$189.5M	47/100
Eagle Bancorp Montana, Inc EBMT	FY2025	$91.6M	$14.8M	16.2%	$169.8M	32/100
Finward Bancorp FNWD	FY2025	$66.0M	$8.1M	12.3%	$188.7M	36/100
Richmond Mutual Bancorporation, Inc. RMBI	FY2025	$48.9M	$11.6M	23.7%	$255.0M	44/100
FIRST GUARANTY BANCSHARES INC FGBI	FY2025	$95.4M	-$56.0M	-58.7%	$147.9M	9/100
Bogota Financial Corp. BSBK	FY2025	$17.2M	$2.1M	12.1%	$116.1M	40/100

Where SB Financial Group, Inc. Ranks

Frequently Asked Questions

What is SB Financial Group, Inc.'s annual revenue?

SB Financial Group, Inc. (SBFG) reported $65.6M in total revenue for fiscal year 2025. This represents a 15.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is SB Financial Group, Inc.'s revenue growing?

SB Financial Group, Inc. (SBFG) revenue grew by 15.1% year-over-year, from $56.9M to $65.6M in fiscal year 2025.

Is SB Financial Group, Inc. profitable?

Yes, SB Financial Group, Inc. (SBFG) reported a net income of $16.8M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $14.0M, with a net profit margin of 21.3%.

What is SB Financial Group, Inc.'s net profit margin?

SB Financial Group, Inc. (SBFG) had a net profit margin of 21.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does SB Financial Group, Inc. pay dividends?

Yes, SB Financial Group, Inc. (SBFG) paid $0.60 per share in dividends during fiscal year 2025.

What is SB Financial Group, Inc.'s return on equity (ROE)?

SB Financial Group, Inc. (SBFG) has a return on equity of 9.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is SB Financial Group, Inc.'s free cash flow?

SB Financial Group, Inc. (SBFG) generated $21.4M in free cash flow during fiscal year 2025. This represents a 160.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is SB Financial Group, Inc.'s operating cash flow?

SB Financial Group, Inc. (SBFG) generated $24.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are SB Financial Group, Inc.'s total assets?

SB Financial Group, Inc. (SBFG) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are SB Financial Group, Inc.'s capital expenditures?

SB Financial Group, Inc. (SBFG) invested $2.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does SB Financial Group, Inc. buy back shares?

Yes, SB Financial Group, Inc. (SBFG) spent $5.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does SB Financial Group, Inc. have outstanding?

SB Financial Group, Inc. (SBFG) had 6M shares outstanding as of fiscal year 2025.

What is SB Financial Group, Inc.'s liabilities-to-equity ratio?

SB Financial Group, Inc. (SBFG) had a liabilities-to-equity ratio of 9.94 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is SB Financial Group, Inc.'s return on assets (ROA)?

SB Financial Group, Inc. (SBFG) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is SB Financial Group, Inc.'s P/E ratio?

SB Financial Group, Inc. (SBFG) trades at 11.3x earnings, its market capitalization divided by $16.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $189.5M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SB Financial Group, Inc.'s price-to-sales ratio?

SB Financial Group, Inc. (SBFG) trades at 2.8x sales, its market capitalization divided by $68.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $189.5M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SB Financial Group, Inc.'s Piotroski F-Score?

SB Financial Group, Inc. (SBFG) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is SB Financial Group, Inc.?

SB Financial Group, Inc. (SBFG) scores 47 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.