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SB Financial Group, Inc. (SBFG)

Financial Services | Banks - Regional | Defiance, United States | NasdaqCM
26.51 USD -0.05 (-0.188%) ⇩ (July 14, 2026, 9:30 a.m. EDT)

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take | July 11, 2026, 6:50 a.m. EDT

The stock is currently trading at a premium relative to its moving averages, having surged nearly 16% over the last two months to test the $26.80 high. This aggressive price action suggests strong near-term momentum, yet the statistical forecasting model offers almost no guidance, citing low confidence and wide intervals. This disconnect implies the recent rally may be driven by specific catalysts rather than a broad-based trend reversal, creating a fragile setup where a pullback is possible if volume dries up. On the fundamental side, the business shows genuine resilience with double-digit revenue growth and a healthy 24% profit margin, supported by a fortress-like balance sheet where debt is well below cash reserves. However, the long-term outlook is capped by a persistent underperformance in Return on Equity (ROE) at just 11.7%, which lags significantly behind peers and limits the ceiling for multiple expansion despite the solid earnings growth. For income investors, the yield sits at a modest 2.5%, offering a buffer against volatility but lacking the aggressive growth needed to drive significant capital appreciation in a rising rate environment.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.036907
AutoETS0.037494
MSTL0.037534
AutoARIMA0.037561

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 41%
H-stat 2.44
Ljung-Box p 0.000
Jarque-Bera p 0.018
Excess Kurtosis 0.57
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-14
Last Dividend Date 2026-05-14
Revenue per Share 10.515
Market Cap 166,321,968
Trailing P/E 10.39
Forward P/E 10.27
Beta 0.18
Profit Margins 24.30%
Website https://ir.yourstatebank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.75% 2.97% 3.30% 3.14%
Dividend History
Date Dividend Yield %
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 2.41
exDividendDate 2026-05-15
trailingAnnualDividendRate 0.61
trailingAnnualDividendYield 0.022971192
lastDividendValue 0.16
lastDividendDate 2026-05-15
dividendDate 2026-05-29

Info Dump

Attribute Value
52 Week Change 0.4030639
Address1 401 Clinton Street
All Time High 26.8
All Time Low 2.219048
Ask 33.99
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 40,070
Average Daily Volume3 Month 34,388
Average Volume 34,388
Average Volume10Days 40,070
Beta 0.182
Bid 19.06
Bid Size 2
Board Risk 8
Book Value 22.857
City Defiance
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 26.505
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 26.56
Day Low 26.505
Display Name SB Financial
Dividend Date 1,780,012,800
Dividend Rate 0.64
Dividend Yield 2.41
Earnings Call Timestamp End 1,784,923,200
Earnings Call Timestamp Start 1,784,923,200
Earnings Growth 1.085
Earnings Quarterly Growth 0.991
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,784,836,800
Earnings Timestamp Start 1,784,836,800
Ebitda Margins 0.0
Enterprise To Revenue 1.588
Enterprise Value 105,313,728
Eps Current Year 2.47
Eps Forward 2.58
Eps Trailing Twelve Months 2.55
Esg Populated 0
Ex Dividend Date 1,778,803,200
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 22.9404
Fifty Day Average Change 3.5646
Fifty Day Average Change Percent 0.15538527
Fifty Two Week Change Percent 40.30639
Fifty Two Week High 26.8
Fifty Two Week High Change -0.29500008
Fifty Two Week High Change Percent -0.011007465
Fifty Two Week Low 18.16
Fifty Two Week Low Change 8.344999
Fifty Two Week Low Change Percent 0.4595264
Fifty Two Week Range 18.16 - 26.8
Financial Currency USD
First Trade Date Milliseconds 915,460,200,000
Five Year Avg Dividend Yield 2.97
Float Shares 5,185,129
Forward Eps 2.58
Forward P E 10.273255
Full Exchange Name NasdaqCM
Full Time Employees 258
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 66,312,000
Has Pre Post Market Data 1
Held Percent Insiders 0.10423
Held Percent Institutions 0.54753
Implied Shares Outstanding 6,275,117
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,778,803,200
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 166,321,968
Market State REGULAR
Max Age 86,400
Message Board Id finmb_813609
Most Recent Quarter 1,774,915,200
Net Income To Common 16,083,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 166,635,731
Number Of Analyst Opinions 1
Open 26.56
Operating Cashflow 14,340,000
Operating Margins 0.28816
Overall Risk 7
Payout Ratio 0.2392
Phone 419 783 8950
Previous Close 26.555
Price Eps Current Year 10.730769
Price Hint 2
Price To Book 1.159601
Price To Sales Trailing12 Months 2.508173
Profit Margins 0.24297
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.050001144
Regular Market Change Percent -0.18829277
Regular Market Day High 26.56
Regular Market Day Low 26.505
Regular Market Day Range 26.505 - 26.56
Regular Market Open 26.56
Regular Market Previous Close 26.555
Regular Market Price 26.505
Regular Market Time 1,784,035,802
Regular Market Volume 738
Return On Assets 0.01038
Return On Equity 0.1171
Revenue Growth 0.118
Revenue Per Share 10.515
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 6,275,117
Shares Percent Shares Out 0.0058999998
Shares Short 37,080
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 138,875
Short Name SB Financial Group, Inc.
Short Percent Of Float 0.0063
Short Ratio 0.5
Source Interval 15
State OH
Symbol SBFG
Target High Price 25.0
Target Low Price 25.0
Target Mean Price 25.0
Target Median Price 25.0
Total Cash 130,187,000
Total Cash Per Share 20.747
Total Debt 68,865,000
Total Revenue 66,312,000
Tradeable 0
Trailing Annual Dividend Rate 0.61
Trailing Annual Dividend Yield 0.022971192
Trailing Eps 2.55
Trailing P E 10.394117
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 21.5035
Two Hundred Day Average Change 5.001499
Two Hundred Day Average Change Percent 0.23259
Type Disp Equity
Volume 738
Website https://ir.yourstatebank.com
Zip 43,512