SBFG Sb Financial Group PE ratio, current and historical analysis
As at Jul 11, 2025, the SBFG stock has a PE ratio of 11.12. This is based on the current EPS of $1.7 and the stock price of $18.91 per share. The current PE ratio is comparable to the past four-quarter average.
SBFG PE ratio history
The mean historical PE ratio of Sb Financial Group over the last ten years is 8.97. The current 11.12 PE ratio is 24% above the historical average. Over the past ten years, SBFG's PE ratio was at its highest in the Mar 2025 quarter at 12.25, with a price of $20.82 and an EPS of $1.7. The Jun 2021 quarter recorded the bottom point at 6.01, with a price of $17.62 and an EPS of $2.93.
Sb Financial Group PE ratio history chart
Sb Financial Group PE ratio by year
Maximum annual increase: 40.25% in 2024
Maximum annual decrease: -22.78% in 2020
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 12.16 | 40.25% | $20.91 | $1.72 |
| 2023 | 8.67 | -8.45% | $15.35 | $1.77 |
| 2022 | 9.47 | 30.44% | $16.95 | $1.79 |
| 2021 | 7.26 | -18.24% | $18.73 | $2.58 |
| 2020 | 8.88 | -22.78% | $17.41 | $1.96 |
| 2019 | 11.5 | 20.42% | $18.75 | $1.63 |
| 2018 | 9.55 | 8.4% | $15.67 | $1.64 |
| 2017 | 8.81 | -12.43% | $17.61 | $2 |
| 2016 | 10.06 | 23.28% | $15.29 | $1.52 |
| 2015 | 8.16 | -6.1% | $10.61 | $1.3 |
| 2014 | 8.69 | 18.07% | $8.95 | $1.03 |
| 2013 | 7.36 | 11.52% | $7.51 | $1.02 |
| 2012 | 6.6 | -15.71% | $6.2 | $0.94 |
| 2011 | 7.83 | N/A | $2.51 | $0.32 |
| 2010 | N/A | N/A | $3.78 | -$3.06 |
Sb Financial Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 12.25 | 0.74% | $20.82 | $1.7 |
| Dec 2024 | 12.16 | 2.88% | $20.91 | $1.72 |
| Sep 2024 | 11.82 | 51.15% | $20.56 | $1.74 |
| Jun 2024 | 7.82 | 0.39% | $14 | $1.79 |
| Mar 2024 | 7.79 | -10.15% | $13.78 | $1.77 |
| Dec 2023 | 8.67 | 9.89% | $15.35 | $1.77 |
| Sep 2023 | 7.89 | 11.91% | $13.5 | $1.71 |
| Jun 2023 | 7.05 | -13.18% | $12.62 | $1.79 |
| Mar 2023 | 8.12 | -14.26% | $14.13 | $1.74 |
| Dec 2022 | 9.47 | -0.53% | $16.95 | $1.79 |
| Sep 2022 | 9.52 | 3.7% | $16.85 | $1.77 |
| Jun 2022 | 9.18 | -7.37% | $17.26 | $1.88 |
| Mar 2022 | 9.91 | 36.5% | $19.91 | $2.01 |
| Dec 2021 | 7.26 | 20% | $18.73 | $2.58 |
| Sep 2021 | 6.05 | 0.67% | $17.32 | $2.86 |
SBFG Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. The fair P/E value is capped at 100 to prevent distortions caused by extreme EPS growth rates, such as those resulting from large percentage increases from a low base.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
SBFG average PE ratio chart
The current PE ratio of SBFG is greater than its 3, 5 and 10-year historical averages.
PE vs average
SBFG PE vs peers
SBFG's PE ratio is lower than its peer stocks HBAN and PRK, but it is greater than FFBC's and PEBO's. Sb Financial Group is presently trading at a lower PE ratio (11.12) than its peer group average of 12.37.
| Stock name | PE ratio | Market cap |
|---|---|---|
| PEBO Peoples Bancorp Inc | 9.85 | $1.12B |
| FFBC First Financial Bancorp | 10.52 | $2.44B |
| FMNB Farmers National Banc Corp | 10.9 | $529.23M |
| SBFG Sb Financial Group Inc | 11.12 | $123.39M |
| UBCP United Bancorp Inc | 11.36 | $82.27M |
| OVBC Ohio Valley Banc Corp | 12.91 | $163.05M |
| HBAN Huntington Bancshares Inc | 13.27 | $25.33B |
| PRK Park National Corp | 17.8 | $2.83B |
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Frequently asked questions
What is Sb Financial Group's PE ratio?
The price to earnings ratio for SBFG stock as of Jul 11, 2025, stands at 11.12.
What is the 3-year average PE ratio for Sb Financial Group (SBFG)?
As an average over the last 3 years, SBFG stock has a PE ratio of 9.32.
What is the 5-year average PE ratio for Sb Financial Group (SBFG)?
As an average over the last 5 years, SBFG stock has a PE ratio of 8.62.
What is the highest PE ratio for SBFG?
The highest quarterly PE ratio in the last ten years has been 12.25 and it was in the Mar 2025 quarter.
How does the current PE ratio for SBFG compare to its historical average?
SBFG's current price to earnings ratio is 24% above its 10-year historical average.
How is SBFG's PE ratio calculated (Sb Financial Group PE ratio formula)?
The PE ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jul 11, 2025), Sb Financial Group's stock price is $18.91. The earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $1.7. Therefore, Sb Financial Group's P/E ratio for today is 11.12. PE RATIO(11.12) = STOCK PRICE($18.91) / TTM EPS($1.7)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.