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Price (delayed)
$20.4
Market cap
$135.7M
P/E Ratio
11.72
Dividend/share
$0.56
EPS
$1.74
Enterprise value
$164.87M
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 24% YoY
Sb Financial Group's equity has increased by 18% YoY and by 6% from the previous quarter
SBFG's P/E is 41% above its 5-year quarterly average of 8.3 and 30% above its last 4 quarters average of 9.0
Sb Financial Group's net income has decreased by 2.8% QoQ
Key stats
What are the main financial stats of SBFG
Market
Valuations
Earnings
Shares outstanding
6.65M
Market cap
$135.7M
Enterprise value
$164.87M
Price to earnings (P/E)
11.72
Price to book (P/B)
1.03
Price to sales (P/S)
2.41
EV/EBIT
11.65
EV/EBITDA
10.06
EV/Sales
2.92
Revenue
$56.47M
Gross profit
$56.47M
Net income
$11.72M
EBIT
$14.15M
EBITDA
$16.39M
Free cash flow
$9.15M
Per share
Balance sheet
Liquidity
EPS
$1.74
EPS diluted
$1.74
Free cash flow per share
$1.37
Book value per share
$19.74
Revenue per share
$8.48
TBVPS
$205.81
Total assets
$1.39B
Total liabilities
$1.26B
Debt
$80.23M
Equity
$132.84M
Working capital
N/A
Debt to equity
0.6
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.78
Margins
Efficiency
Dividend
EBITDA margin
29%
Gross margin
100%
Net margin
20.7%
Operating margin
25.1%
Return on assets
0.9%
Return on equity
9.3%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
25.1%
Dividend yield
2.75%
DPS
$0.56
Payout ratio
32.2%
SBFG stock price
How has the Sb Financial Group stock price performed over time
Intraday
0.54%
1 week
3.08%
1 month
-2.44%
1 year
32.04%
YTD
-2.44%
QTD
-2.44%
Financial performance
How have Sb Financial Group's revenue and profit performed over time
Revenue
$56.47M
Gross profit
$56.47M
Operating income
$14.15M
Net income
$11.72M
Gross margin
100%
Net margin
20.7%
The company's net margin fell by 3.7% QoQ
Sb Financial Group's net income has decreased by 2.8% QoQ
Growth
What is Sb Financial Group's growth rate over time
Valuation
What is Sb Financial Group stock price valuation
P/E
11.72
P/B
1.03
P/S
2.41
EV/EBIT
11.65
EV/EBITDA
10.06
EV/Sales
2.92
SBFG's P/E is 41% above its 5-year quarterly average of 8.3 and 30% above its last 4 quarters average of 9.0
SBFG's EPS is down by 2.8% QoQ
The stock's price to book (P/B) is 29% more than its last 4 quarters average of 0.8 and 14% more than its 5-year quarterly average of 0.9
Sb Financial Group's equity has increased by 18% YoY and by 6% from the previous quarter
The P/S is 27% above the 5-year quarterly average of 1.9 and 27% above the last 4 quarters average of 1.9
Efficiency
How efficient is Sb Financial Group business performance
Sb Financial Group's return on equity has decreased by 7% YoY and by 6% QoQ
Dividends
What is SBFG's dividend history
DPS
$0.56
Dividend yield
2.75%
Payout ratio
32.2%
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 11% greater than the total liabilities
The total assets has grown by 5% year-on-year and by 3.9% since the previous quarter
The company's total liabilities rose by 3.9% YoY and by 3.6% QoQ
The company's debt is 40% lower than its equity
The debt to equity has contracted by 36% YoY and by 6% from the previous quarter
The company's debt fell by 24% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.