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+16.0%
5Y+23.0%
10Y+89.0%
3Y+15.0%
5Y+26.0%
10Y+92.0%
3Y+19.0%
5Y-1.0%
10Y+63.0%
sbfg

SB Financial Group, Inc. Funding & Solvency Profile

SBFG ยท NASDAQ
Cash & Cash Equivalents72.68M
Net Receivables5.49M
Inventory0.00
Other Current Assets0.00
Total Current Assets152 M
Property, Plant & Equipment21.69M
Goodwill & Intangible Assets42.41M
Long-Term Investments1.17B
Other Non-Current Assets163.33M
Total Non-Current Assets1 B
Total Assets
1.55B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.94x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1167235000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

SB Financial Group, Inc. Balance Sheet

SBFG โ€ข NASDAQ

SB Financial Group, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
72.7M
27.5M
24.5M
29.9M
152.2M
146.5M
27.1M
48.4M
26.6M
17M
20.5M
28.2M
13.1M
19.1M
14.8M
30.4M
24.8M
18.1M
15.2M
13.5M
73.5M
171.8M
219.7M
238.8M
263.3M
149.4M
100.9M
91M
82.8M
90.1M
89.8M
85.2M
89.8M
98.7M
112M
0.0
0.0
0.0
0.0
0.0
146.2M
199.3M
244.2M
268.7M
415.4M
295.9M
128M
139.3M
109.4M
107.1M
110.2M
113.4M
102.9M
117.8M
126.8M
30.4M
24.8M
18.1M
15.2M
13.5M
5.5M
4.9M
4.7M
4.1M
2.9M
3.8M
3.1M
2.8M
1.8M
1.5M
1.3M
1.3M
1.3M
1.2M
1.6M
2.1M
2.3M
3M
3M
3.1M
5.5M
4.9M
4.7M
4.1M
2.9M
3.8M
3.1M
2.8M
1.8M
1.5M
1.3M
1.3M
1.3M
1.2M
1.6M
2.1M
2.3M
3M
3M
3.1M
151.7M
204.2M
248.9M
272.8M
418.3M
299.7M
131.1M
142.2M
111.2M
108.7M
111.5M
114.8M
104.2M
119.1M
128.5M
32.5M
27.2M
21M
18.2M
16.7M
NON-CURRENT ASSETS
21.7M
20.5M
21.4M
22.8M
23.2M
23.6M
23.4M
22.1M
21.3M
19.1M
19M
13.6M
12.2M
12.6M
13.8M
14.6M
17M
17.6M
15.1M
15.5M
27.2M
23.2M
23.2M
23.2M
23.2M
22.1M
17.8M
16.4M
16.4M
16.4M
16.4M
16.4M
16.4M
16.4M
16.4M
16.7M
21.4M
21.4M
0.0
0.0
15.3M
14.9M
13.9M
13.5M
12M
7.8M
11M
11.4M
9.9M
8.4M
7.2M
6M
6.2M
5.3M
4.8M
6.8M
10.3M
11.7M
3M
3.1M
42.4M
38.1M
37.1M
36.7M
35.2M
29.9M
28.8M
27.8M
26.3M
24.8M
23.6M
22.3M
22.6M
21.7M
21.2M
23.5M
31.7M
33.1M
23.4M
24.2M
1.2B
1.1B
987.5M
951.1M
818.5M
867.4M
824.3M
768.3M
692.7M
642.1M
558.5M
515M
474.4M
465.1M
443.1M
562.6M
567.5M
551.5M
479.6M
469.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
177K
2.3M
3.2M
0.0
0.0
0.0
0.0
163.3M
48.6M
48.4M
52.1M
35.6M
37.3M
30.9M
26.5M
25.2M
21.2M
20.5M
18.5M
18.4M
19.6M
19.9M
23.8M
29.7M
34.3M
24.9M
30.5M
1.4B
1.2B
1.1B
1.1B
912.5M
958.1M
907.5M
844.7M
765.4M
707.4M
621.6M
569.4M
527.5M
519.2M
500.2M
627.8M
645.9M
636.6M
543M
539.3M
1.5B
1.4B
1.3B
1.3B
1.3B
1.3B
1B
985.9M
876.6M
816M
733.1M
684.2M
631.8M
638.2M
628.7M
660.3M
673M
657.6M
561.2M
556M
LIABILITIES
CURRENT LIABILITIES
2.5M
2.4M
2.4M
769K
299K
616K
1.2M
909K
592K
408K
264K
264K
639K
138K
3M
2M
1.5M
2M
2.5M
2.2M
2.5M
2.4M
2.4M
769K
299K
616K
1.2M
909K
592K
408K
264K
264K
639K
138K
3M
2M
1.5M
2M
2.5M
2.2M
9.2M
10.6M
13.4M
14.9M
15.3M
20.2M
12.9M
15.2M
15.1M
10.5M
12.4M
12.7M
14.7M
11.1M
39.1M
49.1M
54.2M
44.4M
43M
32.3M
0.0
0.0
0.0
2.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3B
1.2B
1.1B
1.1B
1.1B
1B
840.2M
802.6M
729.6M
673.1M
586.5M
550.9M
518.2M
527M
518.8M
515.7M
491.2M
484.2M
406M
414.6M
1.3B
1.2B
1.1B
1.1B
1.1B
1.1B
854.4M
818.6M
745.3M
684M
599.1M
563.9M
533.6M
538.2M
560.8M
566.7M
546.9M
530.6M
451.6M
449.1M
NON-CURRENT LIABILITIES
54.7M
54.7M
103.2M
79.6M
25M
8M
16M
16M
18.5M
26.5M
35M
30M
16.6M
22M
14.1M
22.8M
35.3M
36.6M
24.9M
44.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.7M
3M
0.0
0.0
30.5M
31.8M
29.6M
35.3M
32.2M
37.1M
32.1M
21.7M
18.9M
18.9M
17.7M
14.6M
25.3M
24.8M
5.9M
24.7M
26.4M
25.7M
25.4M
5.8M
85.2M
86.5M
132.9M
114.8M
57.3M
45.1M
48.1M
37.7M
37.4M
45.4M
52.7M
44.6M
41.9M
46.7M
20M
47.5M
64.4M
65.3M
50.3M
50M
1.4B
1.3B
1.2B
1.2B
1.2B
1.1B
902.5M
855.5M
782.6M
729.5M
651.8M
608.5M
575.5M
585M
580.7M
614.3M
611.3M
596M
501.9M
499.1M
SHAREHOLDERS' EQUITY
-40.1M
-35M
-30.8M
-27.8M
-22.3M
-13.2M
-6.8M
-2.7M
-3.3M
-2.1M
-1.5M
-1.6M
-1.7M
-1.8M
-1.8M
-1.8M
-1.8M
-1.6M
-610K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14M
14M
14M
14M
14M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
61.3M
61.3M
61.3M
61.3M
54.5M
54.5M
54.5M
40.5M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
12.6M
15.2M
15.2M
15.1M
15.1M
14.9M
14.8M
15M
15.2M
15.4M
15.4M
15.4M
15.5M
15.4M
15.4M
15.3M
15.2M
15.2M
15M
14.9M
14.9M
126.3M
116.2M
108.5M
102M
99.7M
84.6M
72.7M
64M
55.4M
46.7M
40.1M
34.4M
29.9M
25.3M
20.5M
18.8M
34.4M
35.8M
32.4M
30.4M
-21.5M
-30.2M
-29.8M
-32.1M
-1.8M
2.2M
659K
-552K
-141K
51K
650K
918K
74K
1.8M
1.3M
1.2M
1.3M
-122K
82.2K
-880K
141.2M
127.5M
124.3M
118.4M
144.9M
142.9M
136.1M
130.4M
94M
86.5M
81.2M
75.7M
56.3M
53.3M
47.9M
46M
61.7M
61.7M
59.3M
57M
141.2M
127.5M
124.3M
118.4M
144.9M
142.9M
136.1M
130.4M
94M
86.5M
81.2M
75.7M
56.3M
53.3M
47.9M
46M
61.7M
61.7M
59.3M
57M
SUMMARY
1.5B
1.4B
1.3B
1.3B
1.3B
1.3B
1B
985.9M
876.6M
816M
733.1M
684.2M
631.8M
638.2M
628.7M
660.3M
673M
657.6M
561.2M
556M
1.2B
1.2B
1.2B
1.2B
1.1B
1B
925.3M
859.3M
775.4M
732.3M
648.3M
600.3M
564.1M
563.8M
555.1M
562.6M
567.5M
551.5M
479.6M
469.2M
64M
65.3M
116.6M
94.5M
40.4M
28.2M
28.9M
31.2M
33.6M
37M
47.4M
42.7M
31.3M
33M
53.1M
71.9M
89.5M
81.1M
67.9M
76.5M
-8.7M
37.8M
92.1M
64.6M
-111.8M
-118.3M
1.9M
-17.2M
7M
20M
26.9M
14.5M
18.1M
13.9M
38.3M
41.5M
64.6M
63M
52.7M
62.9M
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900
6,330,900

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