Price (delayed)
$17.15
Market cap
$115.38M
P/E Ratio
9.58
Dividend/share
$0.55
EPS
$1.79
Enterprise value
$171.14M
Headquartered in Defiance, Ohio, SB Financial is a diversified financial services holding company for the State Bank & Trust Company (State Bank) and SBFG Title, LLC dba Peak Title (Peak
Highlights
Sb Financial Group's equity has increased by 7% YoY
The company's debt fell by 39% YoY but it rose by 2.9% QoQ
SBFG's P/E is 20% above its last 4 quarters average of 8.0 and 15% above its 5-year quarterly average of 8.3
Sb Financial Group's net income has decreased by 2.8% YoY
Key stats
What are the main financial stats of SBFG
Market
Valuations
Earnings
Shares outstanding
6.73M
Market cap
$115.38M
Enterprise value
$171.14M
Price to earnings (P/E)
9.58
Price to book (P/B)
0.92
Price to sales (P/S)
2.05
EV/EBIT
12
EV/EBITDA
10.34
EV/Sales
3.05
Revenue
$56.07M
EBIT
$14.27M
EBITDA
$16.55M
Free cash flow
$13.77M
Per share
Balance sheet
Liquidity
EPS
$1.79
Free cash flow per share
$2.06
Book value per share
$18.55
Revenue per share
$8.38
TBVPS
$197.09
Total assets
$1.34B
Total liabilities
$1.22B
Debt
$80.15M
Equity
$125.48M
Working capital
N/A
Debt to equity
0.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.37
Margins
Efficiency
Dividend
EBITDA margin
29.5%
Gross margin
100%
Net margin
21.5%
Operating margin
25.4%
Return on assets
0.9%
Return on equity
9.9%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
25.4%
Dividend yield
3.21%
DPS
$0.55
Payout ratio
30.7%
SBFG stock price
How has the Sb Financial Group stock price performed over time
Intraday
0.65%
1 week
5.54%
1 month
1%
1 year
19.43%
YTD
11.73%
QTD
22.5%
Financial performance
How have Sb Financial Group's revenue and profit performed over time
Revenue
$56.07M
Gross profit
$56.07M
Operating income
$14.27M
Net income
$12.05M
Gross margin
100%
Net margin
21.5%
The operating income has contracted by 6% YoY and by 2.3% from the previous quarter
The company's operating margin fell by 4.5% YoY and by 2.3% QoQ
Sb Financial Group's net income has decreased by 2.8% YoY
Growth
What is Sb Financial Group's growth rate over time
Valuation
What is Sb Financial Group stock price valuation
P/E
9.58
P/B
0.92
P/S
2.05
EV/EBIT
12
EV/EBITDA
10.34
EV/Sales
3.05
SBFG's P/E is 20% above its last 4 quarters average of 8.0 and 15% above its 5-year quarterly average of 8.3
The stock's price to book (P/B) is 15% more than its last 4 quarters average of 0.8 and 2.2% more than its 5-year quarterly average of 0.9
Sb Financial Group's equity has increased by 7% YoY
The P/S is 21% above the last 4 quarters average of 1.7 and 8% above the 5-year quarterly average of 1.9
Efficiency
How efficient is Sb Financial Group business performance
Sb Financial Group's ROIC has decreased by 9% YoY
Sb Financial Group's return on equity has decreased by 6% YoY
SBFG's ROS is down by 4.5% YoY and by 2.3% QoQ
Dividends
What is SBFG's dividend history
DPS
$0.55
Dividend yield
3.21%
Payout ratio
30.7%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Sb Financial Group financials performed over time
The total assets is 10% greater than the total liabilities
The company's debt is 36% lower than its equity
The debt to equity has contracted by 43% YoY
The company's debt fell by 39% YoY but it rose by 2.9% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.