SBFG

SB Financial Group, Inc. [SBFG] Stock Forecast

Q: What is SB Financial Group, Inc. stock symbol ?

SB Financial Group, Inc. is a US stock, located in Defiance of Oh and trading under the symbol SBFG

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SBFG Stock Summary

Earnings have grown 31.42% per last year.

SBFG has more than 4 years of cash runway (57 months)

Earnings are expected to fall -100% next year

Unstable dividend track record

EPS has been decreasing for the past 3 years (Yearly statements)

Debt-to-Equity ratio of 1.02 is considered moderate, deeper research suggested.

In the News

SBFG Financial details

Company Rating

Buy

Market Cap

93.06M

Income

12.1M

Revenue

62.52M

Book val./share

18.43

Cash/share

36.19

Dividend

0.52

Dividend %

3.42%

Employees

251

Optionable

Shortable

Yes

Earnings

18 Apr 2024

P/E

8.79

Forward P/E

PEG

-78.23

P/S

1.83

P/B

0.92

P/C

0.38

P/FCF

7.65

Quick Ratio

12.67

Current Ratio

12.67

Debt / Equity

1.02

LT Debt / Equity

0.42

EPS (TTM)

1.76

EPS next Y

EPS next Q

EPS this Y

-0.56%

EPS next Y

EPS next 5Y

EPS last 5Y

1.79%

Revenue last 5Y

7.47%

Revenue Q/Q

50.68%

EPS Q/Q

46.15%

SMA20

-7.14%

SMA50

-18.75%

SMA100

Inst Own

46.6%

Inst Trans

0.96%

ROA

ROE

10%

ROC

0.01%

Gross Margin

100%

Oper. Margin

33%

Profit Margin

21%

Payout

23%

Shs Outstand

Shs Float

Target Price

52W Range

11.82-16.25

52W High

-14.44%

52W Low

+24.45%

RSI

Rel Volume

4.03

Avg Volume

2.74K

Volume

11.07K

Perf Week

2.85%

Perf Month

-2.14%

Perf Quarter

9.96%

Perf Half Y

7.63%

Beta

0.68

Volatility

0.2%, 0.27%

Prev Close

2.78%

Price

13.69

Change

4.11%

SBFG Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	7.8	8.26	9.22	8.23	11.09
Net income per share	1.77	1.87	2.46	1.79	1.77
Operating cash flow per share	2.78	2.99	2.32	3.65	1.77
Free cash flow per share	2.48	2.74	1.99	3.38	1.63
Cash per share	18.88	37.02	55.86	38.36	35.76
Book value per share	20.08	17.88	19.49	16.91	18.21
Tangible book value per share	15.82	14.15	14.75	11.66	12.83
Share holders equity per share	20.08	17.88	19.49	16.91	18.21
Interest debt per share	6.86	4.68	5.97	14.23	19.19
Market cap	127.1M	139.17M	139.3M	118.73M	104.83M
Enterprise value	116.04M	656.43K	27.51M	183.3M	207.26M
P/E ratio	10.62	9.31	7.62	9.48	8.67
Price to sales ratio	2.41	2.11	2.03	2.06	1.38
POCF ratio	6.75	5.82	8.07	4.64	8.66
PFCF ratio	7.57	6.35	9.39	5.02	9.41
P/B Ratio	0.93	0.97	0.96	1	0.84
PTB ratio	0.93	0.97	0.96	1	0.84
EV to sales	2.2	0.01	0.4	3.18	2.74
Enterprise value over EBITDA	6.22	0.03	0.95	7.77	-4.06K
EV to operating cash flow	6.16	0.03	1.59	7.17	17.13
EV to free cash flow	6.91	0.03	1.86	7.74	18.61
Earnings yield	0.09	0.11	0.13	0.11	0.12
Free cash flow yield	0.13	0.16	0.11	0.2	0.11
Debt to equity	0.27	0.21	0.28	0.8	1.02
Debt to assets	0.04	0.02	0.03	0.07	0.09
Net debt to EBITDA	-0.59	-5.5	-3.86	2.74	-2.01K
Current ratio	110.09	486.56	26.78	86.89	0.03
Interest coverage	1.53	2.75	5.65	3.78	3.6
Income quality	1.57	1.6	0.94	2.04	1
Dividend Yield	0.03	0.02	0.02	0.03	0.03
Payout ratio	0.27	0.21	0.17	0.27	0.3
Sales general and administrative to revenue	0.43	0.39	0.4	0.43	0.31
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.03	0.02	0.03	0.03	0.03
Capex to operating cash flow	-0.11	-0.08	-0.14	-0.07	-0.08
Capex to revenue	-0.04	-0.03	-0.04	-0.03	-0.01
Capex to depreciation	-0.51	-0.29	-0.39	-0.47	-0.41
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0.01
Graham number	28.25	27.42	32.83	26.08	26.94
ROIC	0.07	0.09	0.1	0.08	0.05
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-116.15	-111.5	-113.88	-134.96	-144.24
Working capital	129.93M	299.1M	402.71M	240.08M	-842.37M
Tangible asset value	107.25M	113.07M	109.7M	81.69M	87.2M
Net current asset value	-771.37M	-815.2M	-767.59M	-974.33M	-1.19B
Invested capital	0.27	0.21	0.28	0.8	1.02
Average receivables	2.5M	3.45M	3.36M	3.51M	4.37M
Average payables	1.05M	903.5K	457.5K	534K	1.61M
Average inventory	-14.77M	-90.41M	-153.76M	-78.59M	-13.81M
Days sales outstanding	21.45	21	15.54	25.91	22.44
Days payables outstanding	0	0	0	0	-7.82K
Days of inventory on hand	0	0	0	0	88.44K
Receivables turnover	17.01	17.38	23.49	14.09	16.26
Payables turnover	0	0	0	0	-0.05
Inventory turnover	0	0	0	0	0
ROE	0.09	0.1	0.13	0.11	0.1
Capex per share	-0.3	-0.25	-0.33	-0.27	-0.14

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.1	2.02	2.07	2.02	3.06
Net income per share	0.51	0.35	0.45	0.4	0.58
Operating cash flow per share	1.84	-0.6	0.47	1.2	0.81
Free cash flow per share	1.75	-0.65	0.45	1.16	0.79
Cash per share	38.69	37.59	36.54	34.31	36.19
Book value per share	17.05	17.27	17.19	16.54	18.43
Tangible book value per share	11.76	11.97	11.79	11.08	12.98
Share holders equity per share	17.05	17.27	17.19	16.54	18.43
Interest debt per share	13.9	17.04	18.49	14.86	18.98
Market cap	117.72M	97.96M	86.41M	91.68M	103.58M
Enterprise value	182.29M	139.06M	186.27M	167.1M	206.02M
P/E ratio	8.33	10	7.03	8.53	6.67
Price to sales ratio	8.06	7	6.09	6.69	5.02
POCF ratio	9.23	-23.66	26.79	11.27	18.92
PFCF ratio	9.67	-21.87	28.3	11.66	19.55
P/B Ratio	0.99	0.82	0.73	0.82	0.83
PTB ratio	0.99	0.82	0.73	0.82	0.83
EV to sales	12.47	9.94	13.13	12.2	9.98
Enterprise value over EBITDA	28.71	18.98	50.26	51.83	-17.17K
EV to operating cash flow	14.29	-33.58	57.74	20.55	37.64
EV to free cash flow	14.98	-31.05	61.01	21.26	38.88
Earnings yield	0.03	0.03	0.04	0.03	0.04
Free cash flow yield	0.1	-0.05	0.04	0.09	0.05
Debt to equity	0.8	0.96	1.04	0.85	1.02
Debt to assets	0.07	0.09	0.09	0.07	0.09
Net debt to EBITDA	10.17	5.61	26.95	23.39	-8.54K
Current ratio	86.89	183.58	11.06	12.67	0.03
Interest coverage	2.68	1.85	0.81	0.61	4.37
Income quality	3.61	-1.69	1.05	3.03	1.41
Dividend Yield	0.01	0.01	0.01	0.01	0.01
Payout ratio	0.25	0.36	0.29	0.33	0.24
Sales general and administrative to revenue	0.4	0.44	0.41	0.41	0.09
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.03	0.03	0.03	0.03	0.03
Capex to operating cash flow	-0.05	0.08	-0.05	-0.03	-0.03
Capex to revenue	-0.04	-0.02	-0.01	-0.02	-0.01
Capex to depreciation	-0.66	-0.39	-0.19	-0.29	-0.3
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0
Graham number	13.97	11.72	13.18	12.14	15.45
ROIC	0.02	0.02	0.01	0.01	0.02
Return on tangible assets	0	0	0	0	0
Graham Net	-136.13	-140.17	-143.71	-145.85	-145.97
Working capital	240.08M	263.1M	231.26M	218.72M	-842.37M
Tangible asset value	81.69M	82.97M	80.7M	75.22M	87.2M
Net current asset value	-974.33M	-957M	-969.52M	-976.67M	-1.19B
Invested capital	0.8	0.96	1.04	0.85	1.02
Average receivables	3.82M	4.01M	4M	4.27M	4.56M
Average payables	696K	1.11M	1.65M	2.04M	2.33M
Average inventory	-17.19M	-13.79M	-27.23M	-26.1M	-26.47M
Days sales outstanding	25.2	25.26	25.87	29.28	20.31
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	3.57	3.56	3.48	3.07	4.43
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.03	0.02	0.03	0.02	0.03
Capex per share	-0.08	-0.05	-0.03	-0.04	-0.03

SBFG Dividend History

SBFG Frequently Asked Questions

What is SB Financial Group, Inc. stock symbol ?

SB Financial Group, Inc. is a US stock , located in Defiance of Oh and trading under the symbol SBFG

What is SB Financial Group, Inc. stock quote today ?

SB Financial Group, Inc. stock price is $13.69 today.

Is SB Financial Group, Inc. stock public?

Yes, SB Financial Group, Inc. is a publicly traded company.

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Company Profile

Volume Average 2.74K
Market Capitalization 93.06M
Employee 251
CEO Mr. Mark A. Klein
Headquarters Defiance,OH,US
IPO Date 1999-01-04
Website https://ir.yourstatebank.com

SB Financial Group, Inc. provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was incorporated in 1983 and is headquartered in Defiance, Ohio.