profit from every $100 of sales.
$0$100
SB Financial Group
$29.76+1.88% today
+39.3% in 1 year
1-year low $19.621-year high $31.43
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.30 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What SB Financial Group sold, what it kept, and what it did with the cash.
Sales went from $57.6 million in 2022 to $65.6 million in 2025, with $14.0 million of profit last year.
SalesProfit
SB Financial Group handed back 44% of the cash it generated last year.
Buybacks $6M$4M
Free cash flow 2025$21M
Bought back its own shares$6M
Paid as dividends$4M
Cash vs. debt$73M vs. $55M
SB Financial Group vs. similar companies
SB Financial Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| SB Financial Group | 13.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads SB Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 58 | 57 | 57 | 66 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 13 | 12 | 11 | 14 | |
| 1.77 | 1.75 | 1.72 | 2.19 | |
| – | – | – | – | |
| – | – | – | – | |
| 21.7% | 21.2% | 20.1% | 21.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,336 | 1,343 | 1,380 | 1,545 |
| Cash | 30 | 25 | 27 | 73 |
| Total debt | 80 | 103 | 55 | 55 |
| Total liabilities | 1,217 | 1,219 | 1,252 | 1,404 |
| 118 | 124 | 128 | 141 | |
| 7 | 7 | 7 | 6 | |
| – | – | – | – | |
| 10.6% | 9.7% | 9.0% | 9.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 26 | 14 | 9 | 24 | |
| 2 | 1 | 1 | 3 | |
| 24 | 13 | 8 | 21 | |
| Dividends paid | 3 | 4 | 4 | 4 |
| 6 | 3 | 5 | 6 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.3×
- 12.0×
- 1.81
- 0.9×
- 2.8×
- 7.5%
- 2.8%
Profitability
- 21.3%
- 7.0%
- 6.7%
- 11.6%
- 1.0%
Growth
- +4.4%
- +7.4%
- +9.2%
- −3.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 41%of 688
Bottom 49%of 540
Top 48%of 900
Bottom 37%of 908
Top 19%of 941
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.63 | 0.60 | +5.0% |
| Jan 29, 2026 | 0.65 | 0.64 | +1.6% |
| Oct 30, 2025 | 0.68 | 0.62 | +9.7% |
| Jul 24, 2025 | 0.58 | 0.54 | +7.4% |
| May 1, 2025 | 0.42 | 0.40 | +5.0% |
| Jan 24, 2025 | 0.52 | 0.41 | +26.8% |
| Oct 24, 2024 | 0.35 | 0.42 | −16.7% |
| Jul 18, 2024 | 0.47 | 0.35 | +34.3% |
2.8%of the share price, paid each year
On $1,000 invested$28a year at today's yield, before tax
+9.2%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.19 in 2015 → $0.60 in 2025
How safe it looks
27.5% of its profit
Room to growStretchedMore than it earns: 18.0%
News
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
63Pass
Benjamin Graham
73Pass
Philip Fisher
70Pass
Peter Lynch
45No pass
Joel Greenblatt
20No pass
Charlie Munger
61Pass
Terry Smith
55No pass
Questions about SB Financial Group
Is SB Financial Group a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SB Financial Group AI analysis
What does SB Financial Group do?
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 is in Banks - Regional.
Does SB Financial Group pay a dividend?
Yes. At today's price the dividend is 2.8% a year, about 28% of its yearly profit. In 2025 it paid out $3.85 million in dividends.
Is SB Financial Group stock halal?
No. SB Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has SB Financial Group stock done over the past year?
Up 39.3% over the past twelve months, to $29.76. It traded between $19.62 and $31.43 and is 5.3% below its high.
Who are SB Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with SB Financial Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.