SBFG Share Price | SB Financial Group, Inc. Stock Analysis & Recommendation

Q: What does SB Financial Group, Inc. do?

Overview:SB Financial Group, Inc. is a bank holding company engaged in commercial banking, item processing, and wealth management services within the regional banks industry, classified as a micro-cap company.Financial Snapshot:Most recent Net Sales: 17 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025) Market cap: USD 132.91 Million (Micro Cap)Key Metrics:P/E: 13.00 Dividend Yield: 0.41% Debt Equity: 0.00 Return on Equity: 8.54% Price to Book: 1.01 Contact Details:Address: 401 Clinton St, DEFIANCE OH : 43512 Tel: ['1 419 7838930', '1 419 7853663'] Fax: 1 419 7826393 Website: http://ir.yourstatebank.com/

Q: Is SB Financial Group, Inc. technically bullish or bearish?

As of 3 October 2023, the technical data for SB Financial Group, Inc. is insufficient to form a view on whether it is bullish or bearish.

Q: Is SB Financial Group, Inc. overvalued or undervalued?

As of 5 October 2023, SB Financial Group, Inc. has moved from fair to attractive based on recent analysis. The company is currently undervalued, with a price-to-earnings ratio of 12.5, a price-to-book ratio of 1.1, and a dividend yield of 4.2%. When comparing with peers, First Financial Bancorp has a P/E ratio of 15.0, and Peoples Bancorp Inc. shows a P/B ratio of 1.3, indicating that SB Financial Group, Inc. is trading at a discount relative to its competitors.Additionally, the recent stock performance has shown a positive trend, outperforming the Sensex, which further supports the undervaluation thesis. Overall, the combination of favorable ratios and peer comparisons suggests that SB Financial Group, Inc. presents a compelling investment opportunity at its current price point.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

4.11 k

Shareholding (Dec 2025)

FII

9.93%

Held by 22 FIIs

DII

74.6%

Held by 16 DIIs

Promoter

0.00%

What does SB Financial Group, Inc. do?

22-Jun-2025

SB Financial Group, Inc. is a micro-cap bank holding company that provides commercial banking, item processing, and wealth management services. As of March 2025, it reported net sales of $17 million and a net profit of $2 million, with a market cap of $132.91 million.

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Who are in the management team of SB Financial Group, Inc.?

22-Jun-2025

As of March 2022, the management team of SB Financial Group, Inc. includes Mr. Mark Klein as Chairman, President, and CEO, with Mr. Richard Hardgrove as Lead Independent Director and other independent directors including Mr. George Carter, Mr. Robert Fawcett, Mr. Gaylyn Finn, and Mr. Tom Helberg.

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Is SB Financial Group, Inc. technically bullish or bearish?

25-Jun-2025

As of October 3, 2023, there is insufficient technical data for SB Financial Group, Inc. to determine a bullish or bearish outlook.

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Is SB Financial Group, Inc. overvalued or undervalued?

25-Jun-2025

As of October 5, 2023, SB Financial Group, Inc. is considered an attractive investment due to its undervaluation with a P/E ratio of 12.5, a P/B ratio of 1.1, a dividend yield of 4.2%, and positive stock performance compared to peers.

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Compare SB Financial Group, Inc. with Similar Stocks

Eagle Bancorp Montana, Inc.Sound Financial Bancorp, Inc.Union Bankshares, Inc. (Vermont)

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

High Profitability with a Net Interest Margin of -0.05%

Positive results in Dec 25

With ROA of 0.61%, it has a attractive valuation with a 1.08 Price to Book Value

High Institutional Holdings at 64.51%

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 153 Million (Micro Cap)

P/E

11.00

Industry P/E

Dividend Yield

0.36%

Debt Equity

0.00

Return on Equity

9.88%

Price to Book

1.08

Revenue and Profits:

Net Sales:

19 Million

(Quarterly Results - Dec 2025)

Net Profit:

4 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

7.84%

6 Months

-4.68%

1 Year

48.18%

2 Years

61.06%

3 Years

18.36%

4 Years

13.18%

5 Years

26.15%

SB Financial Group, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

11.63%

EBIT Growth (5y)

-6.83%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.40%

Pledged Shares

Institutional Holding

64.51%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.08

EV to EBIT

9.50

EV to EBITDA

8.50

EV to Capital Employed

1.08

EV to Sales

1.99

PEG Ratio

0.38

Dividend Yield

0.36%

ROCE (Latest)

11.40%

ROE (Latest)

9.88%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 14 Schemes (15.47%)

Foreign Institutions

Held by 22 Foreign Institutions (9.93%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Company CV

About SB Financial Group, Inc.

SB Financial Group, Inc.

Regional Banks

SB Financial Group, Inc. is a bank holding company. Through its direct and indirect subsidiaries, the Company is engaged in a range of activities, including commercial banking, item processing and wealth management services. The Company's subsidiaries include The State Bank and Trust Company (State Bank), RFCBC, Inc. (RFCBC), Rurbanc Data Services, Inc. (doing business as RDSI Banking Systems (RDSI)), SBT Insurance, LLC (SBI) and Rurban Statutory Trust II (RST II). State Bank offers a range of commercial banking services, including checking accounts, savings accounts, money market accounts and time certificates of deposit; automatic teller machines; commercial, consumer, agricultural and residential mortgage loans; personal and corporate trust services; commercial leasing; bank credit card services; safe deposit box rentals; Internet and telephone banking, and other personalized banking services.

Company Coordinates

Company Details

401 Clinton St , DEFIANCE OH : 43512

Tel: 1 419 78389301 419 7853663

http://ir.yourstatebank.com/

Registrar Details