Stocks · Financial Services · Banks - Regional
SB Financial Group, Inc. SBFG
$29.40 +0.00% Close, Oct 2, 2026 · NASDAQ · Market cap $184.5M
Strong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.68, up 46.4% year over year.
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +5.5%).
- The shares trade at 11.0× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 42%
- EPS growth (TTM, YoY)Top 22%
- FCF growth (TTM, YoY)Top 15%
- Revenue growth, 3-year CAGRBottom 44%
- Revenue growth accelerationBottom 32%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 44%
- Gross marginTop 34%
- Operating marginTop 50%
- Cash conversion (OCF / net income)Top 30%
- Accruals (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverBottom 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 23%
- Free-cash-flow yieldTop 24%
- EBITDA / enterprise valueTop 7%
- Sales / enterprise valueTop 12%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 4%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highBottom 49%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 45%
- Consecutive EPS beatsTop 16%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 29%
- Maximum drawdown, 3 yearsBottom 50%
- Beta vs S&P 500 (lower is better)Top 26%
- Net debt / EBITDA (lower is better)Top 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.9% | 8.9% | ↓ |
| EPS growth (YoY) | 51.5% | 46.4% | ↓ |
| Gross margin | 70.3% | 71.2% | ↑ |
| Operating margin | 17.2% | 21.8% | ↑ |
| FCF margin | 12.1% | 24.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.9% | 11.9% | ↓ | Top 42% |
| EPS growth (TTM, YoY) | 46.4% | 51.5% | ↓ | Top 22% |
| Gross margin | 71.2% | 70.3% | ↑ | Top 34% |
| Operating margin | 21.8% | 17.2% | ↑ | Top 50% |
| Net margin | 17.7% | 13.8% | ↑ | — |
| Free-cash-flow margin | 24.3% | 12.1% | ↑ | — |
| Return on invested capital | 1.0% | — | Bottom 44% | |
| Revenue growth, 3-year CAGR | 13.2% | — | Bottom 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.48×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.12%
- Net buyback yield (TTM)
- 2.15%
- Shareholder yield
- 4.26%
- Share count change, 1 year
- -3.7%
- Share count change, 3-year CAGR
- -3.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +5.5%
- Average 2-day reaction, last 8
- +1.2%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +5.8% | +1.2% | -0.9% | +0.8% | — |
| Apr 23, 2026 | +5.0% | -1.3% | -1.6% | +0.8% | +24.9% |
| Jan 29, 2026 | +1.6% | +3.9% | +2.2% | -2.5% | +2.0% |
| Oct 30, 2025 | +9.7% | +0.5% | +9.8% | +15.2% | +17.8% |
| Jul 24, 2025 | +7.4% | +0.3% | -2.2% | +5.1% | -6.7% |
| May 1, 2025 | +5.0% | -0.2% | -0.7% | +0.8% | +1.7% |
| Jan 24, 2025 | +26.8% | +2.3% | +7.3% | +6.4% | -10.6% |
| Oct 24, 2024 | -16.7% | +2.7% | -0.4% | +6.4% | +4.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.73 | $0.69 | +5.8% | $18.0M |
| Apr 23, 2026 | $0.63 | $0.60 | +5.0% | $17.4M |
| Jan 29, 2026 | $0.65 | $0.64 | +1.6% | $16.6M |
| Oct 30, 2025 | $0.68 | $0.62 | +9.7% | $16.6M |
| Jul 24, 2025 | $0.58 | $0.54 | +7.4% | $17.2M |
| May 1, 2025 | $0.42 | $0.40 | +5.0% | $15.4M |
| Jan 24, 2025 | $0.52 | $0.41 | +26.8% | $15.2M |
| Oct 24, 2024 | $0.35 | $0.42 | -16.7% | $14.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 9.3× | 86th | Top 23% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 4.4× | — | — | Top 7% |
| EV / Sales | 1.11× | — | — | Top 12% |
| Free-cash-flow yield | 12.50% | — | — | Top 24% |
| Earnings yield | 9.12% | — | — | Top 23% |
P/E over the past five years
Range 6.3× – 11.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +53.9%
- Earnings per share growth (TTM)
- +46.4%
- Change in P/E multiple
- -8.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 84
- Days above the 200-day average
- 84
- 50-day average slope (20 days)
- +5.3%
- 200-day average slope (20 days)
- +3.5%
- Distance from 50-day average
- +4.8%
- Distance from 200-day average
- +24.0%
- RSI (14)
- 53.5
- Relative volume
- 1.12×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.6%
- Volatility vs own 5-year history
- 49th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.34
- Correlation with S&P 500
- 0.17
- Current drawdown from 1-year high
- -4.3%
- Maximum drawdown, 3 years
- -28.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 22, 2022 | May 11, 2023 | -43.0% | 286 days | 385 days (Nov 20, 2024) |
| Feb 7, 2025 | Jun 17, 2025 | -28.8% | 89 days | 257 days (Jun 26, 2026) |
| Dec 18, 2024 | Jan 13, 2025 | -14.1% | 15 days | 15 days (Feb 4, 2025) |
| Feb 24, 2021 | Apr 20, 2021 | -12.1% | 38 days | 24 days (May 24, 2021) |
| May 27, 2021 | Sep 21, 2021 | -12.1% | 80 days | 80 days (Jan 13, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $184.5M
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $2.68
- Revenue (TTM)
- $94.9M
- Dividend yield
- 2.14%
- 52-week range
- $18.16 – $32.93
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $72.6M | $62.8M | $75.9M | $81.4M | $91.0M |
| Gross profit | $67.5M | $57.6M | $56.7M | $56.8M | $64.3M |
| Operating income | $22.7M | $15.3M | $14.7M | $13.9M | $17.3M |
| Net income | $18.3M | $12.5M | $12.1M | $11.5M | $14.0M |
| EPS (diluted) | $2.44 | $1.77 | $1.75 | $1.72 | $2.19 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.7M | $21.4M | $21.5M | $23.5M | $23.1M | $23.0M | $24.0M | $24.8M |
| Net income | $2.4M | $3.6M | $2.2M | $3.9M | $4.0M | $3.9M | $4.3M | $4.5M |
| EPS (diluted) | $0.35 | $0.55 | $0.33 | $0.60 | $0.64 | $0.63 | $0.69 | $0.72 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $17.3M | $25.6M | $14.0M | $9.5M | $24.0M |
| Capital expenditure | -$2.4M | -$1.9M | -$958,000 | -$1.2M | -$2.6M |
| Free cash flow | $14.8M | $23.7M | $13.0M | $8.2M | $21.4M |
| Dividends paid | -$3.1M | -$3.4M | -$3.6M | -$3.8M | -$3.8M |
| Net share buybacks | -$9.5M | -$5.9M | -$3.5M | -$4.8M | -$5.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $317.2M
- Total assets
- $1.62B
- Total liabilities
- $1.47B
- Total debt
- $59.3M
- Net debt
- -$78.8M
- Shareholders’ equity
- $146.7M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.16 | Aug 28, 2026 |
| May 15, 2026 | $0.16 | May 29, 2026 |
| Feb 13, 2026 | $0.16 | Feb 27, 2026 |
| Nov 14, 2025 | $0.16 | Nov 28, 2025 |
| Aug 15, 2025 | $0.15 | Aug 29, 2025 |
| May 16, 2025 | $0.15 | May 30, 2025 |
| Feb 14, 2025 | $0.15 | Feb 28, 2025 |
| Nov 8, 2024 | $0.15 | Nov 22, 2024 |
Short interest
- Shares sold short
- 23,140
- Days to cover
- 1.61
- Change vs previous report
- +1.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 20, 2022
- 21-for-20
- Sep 12, 2001
- 21-for-20
- Sep 13, 2000
- 21-for-20
- Jul 1, 1998
- 2-for-1
- Dec 20, 1996
- 21-for-20