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
3Y+45.0%
5Y+25.0%
10Y+94.0%
3Y+12.0%
5Y-6.0%
10Y+59.0%
3Y-6.0%
5Y+1.0%
10Y+71.0%
SB Financial Group, Inc.

SB Financial Group, Inc. Profit Bridge

SBFG ยท NASDAQ
Revenue91.03M
Cost of Goods Sold (26.77M)
Gross Profit64.25M
Operating Expenses (47.00M)
Operating Income17.25M
Interest Expense (25.47M)
Other Income/Expense0.00
Pretax Income17.25M
Income Tax (3.28M)
Net Income13.97M
Net Income
13.97M

Profitability Analysis

Gross Margin

70.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

19.0%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

15.4%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

19.0%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

SB Financial Group, Inc. Income Statement

SBFG โ€ข NASDAQ

SB Financial Group, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
91M
81.4M
75.9M
62.8M
72.6M
72.7M
62.4M
56.1M
49.7M
46.9M
41.6M
37.2M
38.9M
41M
41.4M
50.4M
61.9M
60.6M
59.9M
54.7M
GROSS PROFIT
(26.8M)
(24.6M)
(19.2M)
(5.2M)
(5.1M)
(11.2M)
(10.4M)
(6.8M)
(4.5M)
(3.9M)
(3.7M)
(3.9M)
(4.9M)
(6.7M)
(8.8M)
(20.2M)
(17.3M)
(15.8M)
(18.7M)
(16.1M)
64.3M
56.8M
56.7M
57.6M
67.5M
61.5M
52M
49.3M
45.2M
43M
38M
33.3M
34M
34.2M
32.6M
30.2M
44.6M
44.8M
41.1M
38.6M
OPERATING INCOME
(47M)
(43M)
(42M)
(42.3M)
(44.8M)
(43.1M)
(37.4M)
(34.8M)
(31.6M)
(30.1M)
(26.9M)
(26M)
(26.5M)
(27.5M)
(30.3M)
(52.3M)
(44.8M)
(37.4M)
(36.6M)
(34.9M)
(26.5M)
(25.2M)
(24.2M)
(25.7M)
(28.3M)
(26.6M)
(23.8M)
(22.4M)
(20.2M)
(18.6M)
(16.1M)
(14.2M)
(14.5M)
(16.2M)
(16.4M)
(23.8M)
(29.9M)
(25.2M)
(18.9M)
(18.2M)
17.3M
13.9M
14.7M
15.3M
22.7M
18.4M
14.6M
14.4M
13.6M
12.9M
11M
7.3M
7.4M
6.7M
2.3M
-22.1M
-277.9K
7.3M
4.5M
3.7M
PRE-TAX INCOME
(25.5M)
(24.4M)
(18.9M)
(5.2M)
(4M)
(6.7M)
(9.6M)
(6.2M)
(4.1M)
(3.2M)
(2.6M)
(3.5M)
(4M)
(5.4M)
(6.8M)
(9.6M)
(11.6M)
(15.1M)
(18.2M)
(15.9M)
48.5M
39.9M
39.3M
39.4M
37.9M
35.9M
34.8M
33.3M
28.4M
25.9M
23.3M
20.9M
20.8M
20.7M
20.7M
20M
21M
17.5M
14.8M
15M
(20.5M)
(17.8M)
(17.8M)
(16.6M)
(16.5M)
(16.5M)
(13.7M)
(12.4M)
(11.4M)
(11.5M)
(10.9M)
(11.7M)
(12M)
(11.3M)
(13.9M)
(28.5M)
(14.9M)
(12.2M)
(17.7M)
(16.7M)
17.3M
13.9M
14.7M
15.3M
22.7M
18.4M
14.6M
14.4M
13.6M
12.9M
11M
7.3M
7.4M
6.7M
2.3M
-22.1M
-277.9K
7.3M
4.5M
3.7M
NET INCOME
(3.3M)
(2.4M)
(2.6M)
(2.8M)
(4.4M)
(3.5M)
(2.7M)
(2.8M)
(2.6M)
(4.1M)
(3.4M)
(2.1M)
(2.2M)
(1.9M)
(658K)
-6.5M
-660.4K
(2.1M)
(1.2M)
(948.1K)
14M
11.5M
12.1M
12.5M
18.3M
14.9M
12M
11.6M
11.1M
8.8M
7.6M
5.3M
5.2M
4.8M
1.7M
-15.6M
382.5K
5.2M
3.3M
2.8M

SEC Filings

SBFG - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 06, 2026
April 22, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 02, 2026
January 30, 2026
2026
8-K

8-K 2026

N/A

January 30, 2026
January 29, 2026
2026
8-K

8-K 2026

N/A

January 23, 2026
January 21, 2026
2026
8-K

8-K 2025

N/A

December 22, 2025
December 17, 2025
2025
Showing 1 to 10 of 565 filings