SBFG Sb Financial Group Inc

Price (delayed)

$20.75

Market cap

$135.6M

P/E Ratio

12.06

Dividend/share

$0.57

EPS

$1.72

Enterprise value

$183.69M

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 42% above its 5-year quarterly average of 8.5 and 22% 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
Shares outstanding
6.53M
Market cap
$135.6M
Enterprise value
$183.69M
Valuations
Price to earnings (P/E)
12.06
Price to book (P/B)
1.08
Price to sales (P/S)
2.43
EV/EBIT
13.26
EV/EBITDA
11.43
EV/Sales
3.23
Earnings
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
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
Balance sheet
Total assets
$1.38B
Total liabilities
$1.25B
Debt
$75.59M
Equity
$127.51M
Working capital
N/A
Liquidity
Debt to equity
0.59
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.99
Margins
EBITDA margin
28.3%
Gross margin
100%
Net margin
20.2%
Operating margin
24.4%
Efficiency
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
Dividend yield
2.75%
DPS
$0.57
Payout ratio
33.1%

SBFG stock price

How has the Sb Financial Group stock price performed over time
Intraday
-0.34%
1 week
-1.98%
1 month
-2.03%
1 year
48.75%
YTD
-0.77%
QTD
-0.34%

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 company's operating margin fell by 6% YoY and by 2.8% QoQ
The operating income has contracted by 6% YoY and by 2.1% from the previous quarter
The company's net margin fell by 5% YoY and by 2.4% QoQ
Sb Financial Group's net income has decreased by 5% YoY and by 2.1% QoQ

Growth

What is Sb Financial Group's growth rate over time

Valuation

What is Sb Financial Group stock price valuation
P/E
12.06
P/B
1.08
P/S
2.43
EV/EBIT
13.26
EV/EBITDA
11.43
EV/Sales
3.23
SBFG's P/E is 42% above its 5-year quarterly average of 8.5 and 22% 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 20% more than its 5-year quarterly average of 0.9 and 20% 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 22% above the 5-year quarterly average of 2.0 and 22% 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
2.75%
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.