SBFG Sb Financial Group Inc
Price (delayed)
$19.19
Market cap
$125.41M
P/E Ratio
11.16
Dividend/share
$0.57
EPS
$1.72
Enterprise value
$173.5M
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
The company's debt fell by 40% YoY and by 6% QoQ
Sb Financial Group's equity has decreased by 4% from the previous quarter but it has increased by 2.5% YoY
SBFG's P/E is 27% above its 5-year quarterly average of 8.5 and 9% above its last 4 quarters average of 9.9
Sb Financial Group's net income has decreased by 5% YoY and by 2.1% QoQ
Key stats
What are the main financial stats of SBFG
Market
Valuations
Earnings
Shares outstanding
6.53M
Market cap
$125.41M
Enterprise value
$173.5M
Price to earnings (P/E)
11.16
Price to book (P/B)
1
Price to sales (P/S)
2.25
EV/EBIT
12.52
EV/EBITDA
10.79
EV/Sales
3.05
Revenue
$56.82M
Gross profit
$56.82M
Operating income
$13.86M
Net income
$11.47M
EBIT
$13.86M
EBITDA
$16.07M
Free cash flow
$8.22M
Per share
Balance sheet
Liquidity
EPS
$1.72
EPS diluted
$1.72
Free cash flow per share
$1.24
Book value per share
$19.17
Revenue per share
$8.54
TBVPS
$203.89
Total assets
$1.38B
Total liabilities
$1.25B
Debt
$75.59M
Equity
$127.51M
Working capital
N/A
Debt to equity
0.59
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.99
Margins
Efficiency
Dividend
EBITDA margin
28.3%
Gross margin
100%
Net margin
20.2%
Operating margin
24.4%
Return on assets
0.8%
Return on equity
9%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
24.4%
Dividend yield
2.97%
DPS
$0.57
Payout ratio
33.1%
SBFG stock price
How has the Sb Financial Group stock price performed over time
Intraday
3.39%
1 week
5.5%
1 month
-8.58%
1 year
42.04%
YTD
-8.23%
QTD
-7.83%
Financial performance
How have Sb Financial Group's revenue and profit performed over time
Revenue
$56.82M
Gross profit
$56.82M
Operating income
$13.86M
Net income
$11.47M
Gross margin
100%
Net margin
20.2%
The operating income has contracted by 6% YoY and by 2.1% from the previous quarter
The company's operating margin fell by 6% YoY and by 2.8% QoQ
Sb Financial Group's net income has decreased by 5% YoY and by 2.1% QoQ
The company's net margin fell by 5% YoY and by 2.4% QoQ
Growth
What is Sb Financial Group's growth rate over time
Valuation
What is Sb Financial Group stock price valuation
P/E
11.16
P/B
1
P/S
2.25
EV/EBIT
12.52
EV/EBITDA
10.79
EV/Sales
3.05
SBFG's P/E is 27% above its 5-year quarterly average of 8.5 and 9% above its last 4 quarters average of 9.9
SBFG's EPS is down by 2.8% YoY
The stock's price to book (P/B) is 8% more than its 5-year quarterly average of 0.9 and 8% more than its last 4 quarters average of 0.9
Sb Financial Group's equity has decreased by 4% from the previous quarter but it has increased by 2.5% YoY
The P/S is 9% above the 5-year quarterly average of 2.0 and 9% above the last 4 quarters average of 2.0
Efficiency
How efficient is Sb Financial Group business performance
Sb Financial Group's return on equity has decreased by 12% YoY and by 3.2% QoQ
SBFG's return on assets is down by 11% since the previous quarter and by 11% year-on-year
SBFG's ROS is down by 6% YoY and by 2.8% QoQ
Dividends
What is SBFG's dividend history
DPS
$0.57
Dividend yield
2.97%
Payout ratio
33.1%
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 total assets has grown by 2.7% year-on-year
The company's total liabilities rose by 2.7% YoY
The company's debt is 41% lower than its equity
The debt to equity has contracted by 42% YoY
The company's debt fell by 40% YoY and by 6% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.