SB Financial Group, Inc.

SB Financial Group, Inc.

SBFGยทNASDAQ

$21.02

-0.50%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$131.93M
EPS2.1900
P/E Ratio9.60
Earnings Date07/23/2026
SB Financial Group, Inc.

SB Financial Group, Inc. Fair Value Envelope

SBFG ยท NASDAQ

Our analysis suggests that SBFG has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $21.025, this represents a potential HIDDEN relative to our calculated worth for SB Financial Group, Inc..

Intrinsic Value
Current Price: $21.025

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$213.8B
+ Cash & Equivalents$72.7M
Firm Value$213.9B
- Debt$64.0M
Equity Value$213.8B
/ Shares Outstanding6,330,900B
DCF Value$33.8K
UNDERVALUED BY 160556%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$48.1M
$96.2M
$192.3M
$384.6M
$769.2M
$1.5B
$3.1B
$6.2B
$12.3B
$24.6B
Maintenance CapEx
-$1.0M
-$2.1M
-$4.2M
-$8.3M
-$16.7M
-$33.3M
-$66.6M
-$133.2M
-$266.4M
-$532.9M
Owner Earnings
$47.0M
$94.1M
$188.1M
$376.3M
$752.6M
$1.5B
$3.0B
$6.0B
$12.0B
$24.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$43.6M
$80.7M
$149.4M
$276.6M
$512.2M
$948.5M
$1.8B
$3.3B
$6.0B
$11.2B
Terminal Value represents 88.7% of Enterprise Value