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SB Financial Group, Inc. (SBFG)

Financial Services | Banks - Regional | Defiance, United States | NasdaqCM
27.66 USD -0.21 (-0.754%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 27.66

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take | Aug. 22, 2026, 3:18 a.m. EDT

The investment case here is anchored by a powerful multi-year recovery story. Over the last nine years, the stock has surged nearly 93%, driven by six profitable years versus just three losing ones, with the most recent annual performance showing robust growth. This trajectory suggests the market has successfully reassessed the business quality, moving past previous headwinds. Fundamentally, the company presents a compelling value profile with a price-to-book ratio near parity and a forward P/E of roughly 10x, which is attractive for a regional bank posting double-digit earnings growth and healthy operating margins. While the statistical forecasting model offers only a weak lean toward upside over the next 45 days, the underlying fundamentals and the clear upward trend in share price provide a much stronger basis for conviction. On the income side, the dividend is a solid feature, having grown consistently over the last five years and currently yielding around 2.4%. However, the payout ratio sits at roughly 23%, indicating that while the yield is reliable, it is not yet a high-yield defensive play; it is a growth-at-a-reasonable-price story with a modest income component.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.108885
MSTL0.119356
AutoETS0.125300
AutoARIMA0.125301

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 56%
H-stat 1.51
Ljung-Box p 0.000
Jarque-Bera p 0.318
Excess Kurtosis 0.38
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-13
Last Dividend Date 2026-08-13
Revenue per Share 10.821
Market Cap 172,957,760
Trailing P/E 10.44
Forward P/E 10.64
Beta 0.18
Profit Margins 24.79%
Website https://ir.yourstatebank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.59% 2.84% 3.19% 3.13%
Dividend History
Date Dividend Yield %
2026-08-14 0.160000 0.587372
2026-05-15 0.160000 0.752587
2026-02-13 0.155000 0.740564
2025-11-14 0.155000 0.760550
2025-08-15 0.150000 0.720807
2025-05-16 0.150000 0.777202
2025-02-14 0.145000 0.619129
2024-11-08 0.145000 0.776647
2024-08-09 0.140000 0.907912
2024-05-09 0.140000 1.027146
2024-02-08 0.135000 0.876623
2023-11-09 0.135000 1.018868
2023-08-10 0.130000 0.935252
2023-05-11 0.130000 1.096121
2023-02-09 0.125000 0.740083
2022-11-09 0.125000 0.757576
2022-08-11 0.120000 0.714286
2022-05-12 0.120000 0.674536
2022-02-10 0.115000 0.582573
2021-11-10 0.109524 0.596784
2021-08-12 0.104762 0.619719
2021-05-13 0.104762 0.605061
2021-02-11 0.100000 0.573770
2020-11-05 0.100000 0.672215
2020-08-06 0.095238 0.769230
2020-05-07 0.095238 0.665778
2020-02-06 0.090476 0.476189
2019-11-07 0.090476 0.549132
2019-08-08 0.085714 0.559700
2019-05-09 0.085714 0.492071
2019-02-07 0.080952 0.465241
2018-11-08 0.080952 0.472220
2018-08-09 0.076190 0.399998
2018-05-10 0.076190 0.418407
2018-02-15 0.071429 0.408499
2017-11-09 0.071429 0.428574
2017-08-09 0.066667 0.416917
2017-05-10 0.066667 0.400231
2017-02-08 0.061905 0.349464
2016-11-08 0.061905 0.515057
2016-08-10 0.057143 0.522649
2016-05-11 0.057143 0.571430
2016-02-10 0.052381 0.545095
2015-11-10 0.052381 0.500000
2015-08-12 0.047619 0.454545
2015-05-13 0.047619 0.462534
2015-02-04 0.042857 0.468748
2014-11-05 0.042857 0.511362
2014-08-06 0.038095 0.469481
2014-05-07 0.038095 0.498750
2014-02-05 0.033333 0.406973
2013-10-30 0.033333 0.429444
2013-07-31 0.028571 0.379741
2013-05-08 0.028571 0.340517
2013-03-15 0.023810 0.274128
2009-11-04 0.085714 1.241375
2009-08-05 0.085714 1.176467
2009-04-29 0.085714 1.077841
2009-02-04 0.085714 1.111107
2008-10-30 0.085714 1.124996
2008-08-06 0.085714 0.998887
2008-04-30 0.076190 0.788950
2008-02-06 0.076190 0.684341
2007-10-31 0.066667 0.553362
2007-08-01 0.066667 0.547305
2007-05-02 0.057143 0.485831
2007-02-07 0.057143 0.535716
2006-11-02 0.057143 0.533335
2006-08-02 0.047619 0.417711
2006-05-03 0.047619 0.413223
2006-02-08 0.047619 0.396825
2005-11-02 0.047619 0.400000
2005-08-03 0.047619 0.386100
2005-05-04 0.047619 0.357143
2005-02-09 0.047619 0.347947
2002-06-05 0.123810 0.987846
2002-03-13 0.123810 0.987096
2001-12-13 0.123810 0.964395
2001-06-06 0.114286 0.916033
2000-12-13 0.114286 0.979594
Additional Data
dividendRate 0.64
dividendYield 2.29
exDividendDate 2026-08-14
trailingAnnualDividendRate 0.62
trailingAnnualDividendYield 0.022246143
lastDividendValue 0.16
lastDividendDate 2026-08-14
dividendDate 2026-08-28

Info Dump

Attribute Value
52 Week Change 0.2895105
Address1 401 Clinton Street
All Time High 28.47
All Time Low 2.219048
Ask 36.04
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 15,580
Average Daily Volume3 Month 38,831
Average Volume 38,831
Average Volume10Days 15,580
Beta 0.184
Bid 19.76
Bid Size 2
Board Risk 8
Book Value 23.456
City Defiance
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 27.66
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 28.47
Day Low 26.95
Display Name SB Financial
Dividend Date 1,787,875,200
Dividend Rate 0.64
Dividend Yield 2.29
Earnings Call Timestamp End 1,784,905,200
Earnings Call Timestamp Start 1,784,905,200
Earnings Growth 0.205
Earnings Quarterly Growth 0.167
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda Margins 0.0
Enterprise To Revenue 1.356
Enterprise Value 91,677,760
Eps Current Year 2.56
Eps Forward 2.6
Eps Trailing Twelve Months 2.65
Esg Populated 0
Ex Dividend Date 1,786,665,600
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 26.2412
Fifty Day Average Change 1.4188004
Fifty Day Average Change Percent 0.054067664
Fifty Two Week Change Percent 28.95105
Fifty Two Week High 28.47
Fifty Two Week High Change -0.80999947
Fifty Two Week High Change Percent -0.028450983
Fifty Two Week Low 18.16
Fifty Two Week Low Change 9.5
Fifty Two Week Low Change Percent 0.52312773
Fifty Two Week Range 18.16 - 28.47
Financial Currency USD
First Trade Date Milliseconds 915,460,200,000
Five Year Avg Dividend Yield 2.97
Float Shares 5,165,284
Forward Eps 2.6
Forward P E 10.638462
Full Exchange Name NasdaqCM
Full Time Employees 258
Fullday Change -0.210001
Fullday Change Percent -0.753502
Fullday Price 27.66
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 67,589,000
Has Pre Post Market Data 1
Held Percent Insiders 0.1046
Held Percent Institutions 0.51921004
Implied Shares Outstanding 6,252,992
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,786,665,600
Last Dividend Value 0.16
Last Fiscal Year End 1,767,139,200
Last Split Date 1,642,636,800
Last Split Factor 105:100
Long Business Summary SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance 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; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. 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 founded in 1902 and is based in Defiance, Ohio.
Long Name SB Financial Group, Inc.
Market us_market
Market Cap 172,957,760
Market State CLOSED
Max Age 86,400
Message Board Id finmb_813609
Most Recent Quarter 1,782,777,600
Net Income To Common 16,731,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 174,521,006
Number Of Analyst Opinions 1
Open 27.92
Operating Cashflow 24,799,000
Operating Margins 0.31414
Overall Risk 7
Payout Ratio 0.2322
Phone 419 783 8950
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 27.66
Post Market Time 1,787,959,804
Previous Close 27.87
Price Eps Current Year 10.8046875
Price Hint 2
Price To Book 1.1792293
Price To Sales Trailing12 Months 2.558963
Profit Margins 0.24791999
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.210001
Regular Market Change Percent -0.753502
Regular Market Day High 28.47
Regular Market Day Low 26.95
Regular Market Day Range 26.95 - 28.47
Regular Market Open 27.92
Regular Market Previous Close 27.87
Regular Market Price 27.66
Regular Market Time 1,787,947,200
Regular Market Volume 19,901
Return On Assets 0.01079
Return On Equity 0.11953
Revenue Growth 0.078
Revenue Per Share 10.821
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 6,252,992
Shares Percent Shares Out 0.0039
Shares Short 24,685
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 23,329
Short Name SB Financial Group, Inc.
Short Percent Of Float 0.0042
Short Ratio 1.27
Source Interval 15
State OH
Symbol SBFG
Target High Price 29.0
Target Low Price 29.0
Target Mean Price 29.0
Target Median Price 29.0
Total Cash 143,203,008
Total Cash Per Share 22.902
Total Debt 61,923,000
Total Revenue 67,589,000
Tradeable 0
Trailing Annual Dividend Rate 0.62
Trailing Annual Dividend Yield 0.022246143
Trailing Eps 2.65
Trailing P E 10.437736
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 22.75635
Two Hundred Day Average Change 4.9036503
Two Hundred Day Average Change Percent 0.21548493
Type Disp Equity
Volume 19,901
Website https://ir.yourstatebank.com
Zip 43,512