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-6.0%
5Y+1.0%
10Y+71.0%
3Y-59.0%
5Y+19.0%
10Y-25.0%
3Y+387.0%
5Y-39.0%
10Y+22.0%
SBFG

SB Financial Group, Inc. Cash Conversion Engine

SBFG ยท NASDAQ
Net Income13.97M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital844.00K
Others9.22M
Capital Expenditures-2.60M
Free Cash Flow21.44M

Cash Flow Quality Analysis

FCF Conversion Rate

153.4%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

10.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+160.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$844.00K

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

SB Financial Group, Inc. Cash Flow Statement

SBFG โ€ข NASDAQ

SB Financial Group, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
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
0.0
3.6M
3.6M
4M
6.2M
6.7M
4M
2.9M
2.7M
2.9M
2.2M
1.9M
2.5M
3.2M
3.3M
5.3M
5.3M
4.4M
4.7M
4.3M
0.0
2M
1.9M
2.7M
2.3M
-2.4M
-279K
324K
-788K
738K
1.5M
661K
1.7M
1.9M
837K
-5.9M
-1M
1.5M
-795K
-460K
0.0
637K
576K
568K
443K
382K
417K
278K
303K
114K
81K
90K
64K
51K
88K
49.2K
143.3K
119.2K
0.0
0.0
9.2M
-5.9M
-2.7M
3.1M
-6.1M
3.6M
-4M
-2.7M
-2.4M
1.7M
-2.8M
3.6M
2.9M
-131K
6.7M
31.8M
-7.5M
-1.7M
-64.9K
-1M
(2.1M)
(417K)
(0.0)
(0.0)
(4.2M)
(5.2M)
(3.1M)
(1.9M)
(3.1M)
(4M)
(2.1M)
(1.7M)
(550K)
(120K)
(687.8K)
(1.1M)
(71K)
(1.2M)
(0.0)
(0.0)
844K
-2.3M
-1.4M
2.7M
-3.9M
716K
6.7M
1.3M
-1.1M
-172K
52K
-6.5M
1.6M
-2.4M
2.4M
1.2M
-4.5M
175.7K
-1.2M
-903K
24M
9.5M
14M
25.6M
17.3M
23.9M
18.8M
13.9M
9.8M
14M
8.6M
5M
13.9M
7.4M
14.9M
16.9M
-7.2M
9.7M
5.9M
4.7M
INVESTING ACTIVITIES
(0.0)
-1.2M
-958K
-1.9M
-2.4M
-2M
-2M
-2M
-3.7M
-1.6M
-7.2M
-1.9M
-1.2M
-833K
-680K
-2.2M
-3.4M
-8M
-3.3M
-6.2M
(0.0)
(0.0)
(0.0)
(0.0)
-1.1M
(16.3M)
-2.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-14.8M
-266.6K
-11.4M
(0.0)
-2.9M
-1.8M
-50.6M
-170.7M
-129.8M
-38.5M
-29.3M
-29.8M
-22.6M
-26.3M
-26.1M
-32.1M
-28.6M
-52.2M
-76.6M
-68.1M
-46.2M
-29.5M
-15.4M
0.0
18.8M
22.2M
35.9M
50.5M
84M
29.9M
20.2M
36.5M
20.7M
20.3M
31M
37.4M
41.3M
73.5M
47.7M
68.9M
85.2M
40.7M
52.8M
-68.1M
-43.6M
-36.8M
-149M
51.8M
-25.7M
-54.4M
-76.5M
-52.5M
-87.2M
-41.6M
-39.6M
-13M
-22M
-16.6M
13M
-7M
-16.8M
-20.5M
-40.8M
-68.1M
-28.9M
-17.4M
-165.7M
-72M
-57.2M
-67.6M
-87.6M
-49.5M
-90.7M
-54.7M
-36.6M
-8.9M
-10M
(4M)
-18.1M
-9.5M
-646.5K
-12.8M
-21M
FINANCING ACTIVITIES
-5.7M
-4.8M
-3.5M
-5.9M
-9.5M
-7.2M
-4.9M
27.8M
-1.8M
-1.2M
-2K
0.0
0.0
0.0
0.0
0.0
-156.3K
-1M
-610.3K
0.0
-1M
-48.6M
23.6M
54.5M
-2.5M
-8M
0.0
-2.5M
-8M
-8.5M
5M
2.8M
-6.1M
7.1M
-10.5M
-11.3M
-233.6K
12.7M
12.1M
-2.5M
-3.8M
-3.8M
-3.6M
-3.4M
-3.1M
-3.1M
-3.3M
-3.1M
-2.3M
-2.2M
-1.9M
-783K
-586K
(0.0)
(0.0)
(0.0)
-1.8M
-1.7M
-1.3M
-1.1M
-5.7M
-4.8M
-3.5M
-5.9M
-9.5M
-7.2M
-5.1M
-109K
-1.8M
-1.2M
-2K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-156.3K
-1M
(0.0)
(0.0)
100.2M
79.6M
-18M
-26.8M
78.7M
165.2M
35.7M
73.2M
61.5M
85.1M
35.3M
30.7M
-4.3M
-210K
-23.9M
18.2M
15.6M
-8.2M
-8.5M
29.7M
89.7M
22.5M
-1.5M
18.4M
63.6M
146.9M
27.5M
95.5M
49.3M
73.3M
38.3M
46.7M
-11M
6.9M
-34.5M
6.9M
13.5M
1.9M
1.6M
26.1M
CASH FLOW SUMMARY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1K
1K
0.0
0.0
0.0
0.0
0.0
0.0
45.6M
3M
-4.9M
-121.7M
8.8M
113.6M
-21.3M
21.7M
9.6M
-3.4M
-7.7M
15.1M
-6M
4.3M
-15.6M
5.6M
-3.2M
10.9M
-5.3M
9.8M
25.9M
23M
27.8M
149.5M
140.7M
27.1M
48.4M
26.6M
17M
20.5M
28.2M
13.1M
19.1M
14.8M
30.4M
24.8M
28.1M
17.2M
22.5M
12.7M
71.5M
25.9M
23M
27.8M
149.5M
140.7M
27.1M
48.4M
26.6M
17M
20.5M
28.2M
13.1M
19.1M
14.8M
30.4M
24.8M
28.1M
17.2M
22.5M
21.4M
8.2M
13M
23.7M
14.8M
21.9M
16.8M
11.9M
6.1M
12.4M
1.4M
3.1M
12.8M
6.6M
14.2M
14.6M
-10.6M
1.6M
2.6M
-1.5M

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