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SBFG 
SB Financial Group Inc (SBFG)
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Upturn Advisory Summary
12/12/2025: SBFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $23
1 Year Target Price $23
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.65% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 145.06M USD | Price to earnings Ratio 10.91 | 1Y Target Price 23 |
Price to earnings Ratio 10.91 | 1Y Target Price 23 | ||
Volume (30-day avg) 1 | Beta 0.24 | 52 Weeks Range 16.86 - 23.81 | Updated Date 12/15/2025 |
52 Weeks Range 16.86 - 23.81 | Updated Date 12/15/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 2.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.59% | Operating Margin (TTM) 31.38% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 10.15% |
Valuation
Trailing PE 10.91 | Forward PE 12.3 | Enterprise Value 134017080 | Price to Sales(TTM) 2.29 |
Enterprise Value 134017080 | Price to Sales(TTM) 2.29 | ||
Enterprise Value to Revenue 3.09 | Enterprise Value to EBITDA - | Shares Outstanding 6298527 | Shares Floating 5229730 |
Shares Outstanding 6298527 | Shares Floating 5229730 | ||
Percent Insiders 10.61 | Percent Institutions 54.68 |
About SB Financial Group Inc
Exchange NASDAQ | Headquaters Defiance, OH, United States | ||
IPO Launch date 1999-01-04 | Chairman, President & CEO Mr. Mark A. Klein | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 253 | |
Full time employees 253 | |||
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that 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. In addition, it offers various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. Further, the company sells insurance products to retail and commercial customers. 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 founded in 1902 and is based in Defiance, Ohio.
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