SBFG Financial Statements From 2010 to 2026

SBFG Stock  USD 21.53  0.60  2.71%   
SB Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing SB Financial's valuation are provided below:
Gross Profit
63.4 M
Profit Margin
0.2159
Market Capitalization
133.4 M
Enterprise Value Revenue
2.912
Revenue
63.4 M
There are over one hundred nineteen available fundamental measures for SB Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of SB Financial latest fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself this quarter and beyond. The SB Financial's current Market Cap is estimated to increase to about 131.6 M, while Enterprise Value is projected to decrease to roughly 23.5 M.

SB Financial Total Revenue

57.32 Million

Check SB Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among SB Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 3.7 M, Interest Expense of 23.1 M or Selling General Administrative of 19.6 M, as well as many indicators such as Price To Sales Ratio of 1.55, Dividend Yield of 0.0222 or PTB Ratio of 1.08. SBFG financial statements analysis is a perfect complement when working with SB Financial Valuation or Volatility modules.
  
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Check out the analysis of SB Financial Correlation against competitors.

SB Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets837.5 M1.6 B971.5 M
Slightly volatile
Total Current Liabilities1.4 B1.3 B545 M
Slightly volatile
Total Stockholder Equity80.7 M146.6 M99.2 M
Slightly volatile
Property Plant And Equipment Net17.1 M23.5 M18.7 M
Slightly volatile
Retained Earnings140.3 M133.6 M70.2 M
Slightly volatile
Cash34.7 M31.6 M40.6 M
Slightly volatile
Non Current Assets Total1.4 B1.4 B588.4 M
Slightly volatile
Cash And Short Term Investments240.6 M229.1 M175.1 M
Slightly volatile
Net Receivables2.3 M4.4 M2.7 M
Slightly volatile
Common Stock Total Equity74 M70.5 M36.8 M
Slightly volatile
Common Stock Shares Outstanding6.3 M7.7 M6.6 M
Slightly volatile
Liabilities And Stockholders Equity837.5 M1.6 B971.5 M
Slightly volatile
Non Current Liabilities Total104.4 M99.4 M49.8 M
Slightly volatile
Total Liabilities756.7 M1.4 B872.2 M
Slightly volatile
Property Plant And Equipment Gross58.5 M55.7 M28.8 M
Slightly volatile
Total Current Assets209.8 M234.8 M340.9 M
Very volatile
Common Stock74 M70.5 M36.8 M
Slightly volatile
Short and Long Term Debt Total45.8 M58.7 M46.2 M
Slightly volatile
Short Term Debt9.1 M9.5 M16.5 M
Pretty Stable
Accounts Payable1.3 M2.1 M1.2 M
Pretty Stable
Other Liabilities10.8 M20.5 M12.7 M
Slightly volatile
Long Term Debt30.9 M49.2 M34.6 M
Slightly volatile
Short Term Investments207.4 M197.5 M134.6 M
Slightly volatile
Property Plant Equipment18.2 M26.3 M19.3 M
Slightly volatile
Intangible Assets18 M17.1 M10.1 M
Slightly volatile
Good Will17.5 M26.7 M18.3 M
Slightly volatile
Other Current Assets25.4 M26.7 M303.3 M
Slightly volatile
Net Tangible Assets89.2 M109.5 M77.5 M
Slightly volatile
Long Term Debt Total9.2 M9.3 M12.7 M
Slightly volatile
Capital Surpluse12.2 M13.6 M15 M
Slightly volatile
Long Term Investments243.4 M231.8 M90.1 M
Slightly volatile
Non Current Liabilities Other144.2 M137.4 M62.1 M
Slightly volatile
Short and Long Term Debt23.4 M13.4 M29.9 M
Slightly volatile
Earning Assets111.4 M133.1 M107.9 M
Slightly volatile
Net Invested Capital184.5 M209.5 M142.7 M
Slightly volatile
Capital Stock63.1 M70.5 M57.1 M
Slightly volatile

SB Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization3.7 M4.1 M3.5 M
Slightly volatile
Interest Expense23.1 M22 M9.6 M
Slightly volatile
Selling General Administrative19.6 M28 M19.8 M
Slightly volatile
Total Revenue57.3 M93.6 M56.1 M
Slightly volatile
Gross Profit40.6 M65.3 M45.5 M
Slightly volatile
Other Operating Expenses49.3 M77.6 M44 M
Slightly volatile
Operating IncomeM15.9 M12.1 M
Slightly volatile
EBITM15.9 M12.1 M
Slightly volatile
EBITDA11.7 M20 M15.6 M
Slightly volatile
Cost Of Revenue12.1 M22.1 M9.9 M
Slightly volatile
Income Before TaxM15.9 M12.1 M
Slightly volatile
Net Income13.9 M13.2 M9.9 M
Slightly volatile
Income Tax Expense1.9 M2.7 M2.6 M
Slightly volatile
Net Income Applicable To Common Shares7.6 M14.4 M9.5 M
Slightly volatile
Selling And Marketing Expenses763.5 K944.1 K686 K
Slightly volatile
Net Income From Continuing Ops12 M13.2 M10.1 M
Slightly volatile
Tax Provision2.5 M2.1 M3.1 M
Slightly volatile
Net Interest Income37.3 M45.9 M31.7 M
Slightly volatile
Interest Income46.3 M74 M39.5 M
Slightly volatile
Reconciled Depreciation4.6 M4.1 M3.6 M
Slightly volatile
Extraordinary Items1.4 M1.6 M1.7 M
Slightly volatile

SB Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow8.2 M9.5 M11.3 M
Slightly volatile
Begin Period Cash Flow35.7 M26.4 M39.6 M
Slightly volatile
Depreciation3.7 M4.1 M3.5 M
Slightly volatile
Capital Expenditures1.1 M1.1 M1.9 M
Very volatile
Total Cash From Operating Activities11.3 M10.9 M13.3 M
Slightly volatile
Net Income13.9 M13.2 M9.9 M
Slightly volatile
End Period Cash Flow35.8 M29.8 M39.7 M
Slightly volatile
Stock Based Compensation769.2 K732.5 K333.4 K
Slightly volatile
Change To Inventory6.9 M6.1 M5.9 M
Pretty Stable

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.551.971.6091
Pretty Stable
Dividend Yield0.02220.02440.0241
Slightly volatile
PTB Ratio1.081.260.8974
Slightly volatile
Days Sales Outstanding24.7825.3219.4454
Very volatile
Book Value Per Share10.2917.2315.5146
Slightly volatile
Free Cash Flow Yield0.05050.05310.1819
Slightly volatile
Operating Cash Flow Per Share1.441.282.1178
Very volatile
Stock Based Compensation To Revenue0.00740.0070.0048
Slightly volatile
Capex To Depreciation0.380.40.6522
Pretty Stable
PB Ratio1.081.260.8974
Slightly volatile
EV To Sales1.982.51.7406
Slightly volatile
Free Cash Flow Per Share1.021.111.7783
Very volatile
ROIC0.03330.0460.0549
Very volatile
Net Income Per Share1.631.551.5186
Slightly volatile
Payables Turnover8.999.412.3302
Pretty Stable
Sales General And Administrative To Revenue0.280.270.3534
Slightly volatile
Capex To Revenue0.01650.01740.0373
Pretty Stable
Cash Per Share28.2726.9326.5906
Slightly volatile
POCF Ratio13.9213.267.5494
Slightly volatile
Interest Coverage0.960.512.0971
Very volatile
Payout Ratio0.550.380.2506
Slightly volatile
Capex To Operating Cash Flow0.290.150.1868
Very volatile
PFCF Ratio8.2715.2410.4028
Very volatile
Days Payables Outstanding46.3740.241.6443
Pretty Stable
Income Quality1.170.951.8328
Slightly volatile
ROE0.04940.0810.0902
Very volatile
EV To Operating Cash Flow22.6221.549.1905
Slightly volatile
PE Ratio16.8513.969.8863
Slightly volatile
Return On Tangible Assets0.00570.00770.0096
Pretty Stable
EV To Free Cash Flow17.1724.7613.2018
Pretty Stable
Earnings Yield0.0420.07410.1081
Slightly volatile
Intangibles To Total Assets0.02260.02490.0274
Very volatile
Current Ratio0.10.160.1952
Very volatile
Tangible Book Value Per Share7.7312.0811.2239
Slightly volatile
Receivables Turnover15.9414.9222.2059
Slightly volatile
Graham Number14.724.5122.5959
Slightly volatile
Shareholders Equity Per Share10.2917.2315.5146
Slightly volatile
Debt To Equity1.020.590.5483
Pretty Stable
Capex Per Share0.20.210.3289
Pretty Stable
Revenue Per Share7.611.08.808
Slightly volatile
Interest Debt Per Share13.7315.499.4977
Slightly volatile
Debt To Assets0.09090.05440.0521
Pretty Stable
Enterprise Value Over EBITDA9.2711.76.7029
Slightly volatile
Short Term Coverage Ratios0.460.80.9106
Slightly volatile
Price Earnings Ratio16.8513.969.8863
Slightly volatile
Operating Cycle24.7825.3219.4454
Very volatile
Price Book Value Ratio1.081.260.8974
Slightly volatile
Days Of Payables Outstanding46.3740.241.6443
Pretty Stable
Dividend Payout Ratio0.550.380.2506
Slightly volatile
Price To Operating Cash Flows Ratio13.9213.267.5494
Slightly volatile
Price To Free Cash Flows Ratio8.2715.2410.4028
Very volatile
Pretax Profit Margin0.120.150.2147
Very volatile
Ebt Per Ebit1.11.151.0146
Slightly volatile
Operating Profit Margin0.120.150.2147
Very volatile
Effective Tax Rate0.360.20.2451
Slightly volatile
Company Equity Multiplier12.1112.4410.2367
Very volatile
Long Term Debt To Capitalization0.310.350.2425
Slightly volatile
Total Debt To Capitalization0.480.390.3345
Very volatile
Return On Capital Employed0.0740.07450.0811
Pretty Stable
Debt Equity Ratio1.020.590.5483
Pretty Stable
Ebit Per Revenue0.120.150.2147
Very volatile
Quick Ratio0.10.160.1952
Very volatile
Dividend Paid And Capex Coverage Ratio2.791.74.7311
Slightly volatile
Net Income Per E B T0.540.750.7461
Pretty Stable
Cash Ratio0.03740.02120.0472
Very volatile
Operating Cash Flow Sales Ratio0.160.10.2468
Slightly volatile
Days Of Sales Outstanding24.7825.3219.4454
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.590.780.802
Very volatile
Cash Flow Coverage Ratios0.180.130.3213
Pretty Stable
Price To Book Ratio1.081.260.8974
Slightly volatile
Fixed Asset Turnover3.844.573.0481
Slightly volatile
Capital Expenditure Coverage Ratio5.376.9210.0351
Slightly volatile
Price Cash Flow Ratio13.9213.267.5494
Slightly volatile
Enterprise Value Multiple9.2711.76.7029
Slightly volatile
Debt Ratio0.09090.05440.0521
Pretty Stable
Cash Flow To Debt Ratio0.180.130.3213
Pretty Stable
Price Sales Ratio1.551.971.6091
Pretty Stable
Return On Assets0.00560.00750.0093
Pretty Stable
Asset Turnover0.07920.06780.0593
Pretty Stable
Net Profit Margin0.0880.130.1642
Pretty Stable
Gross Profit Margin0.550.630.7898
Very volatile
Price Fair Value1.081.260.8974
Slightly volatile
Return On Equity0.04940.0810.0902
Very volatile

SB Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap131.6 M125.4 M109.3 M
Slightly volatile
Enterprise Value23.5 M24.8 M56.8 M
Slightly volatile

SBFG Fundamental Market Drivers

Forward Price Earnings12.3001
Cash And Short Term Investments199.3 M

SBFG Upcoming Events

18th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About SB Financial Financial Statements

SB Financial stakeholders use historical fundamental indicators, such as SB Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although SB Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in SB Financial's assets and liabilities are reflected in the revenues and expenses on SB Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in SB Financial Group. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-2.8 M-2.9 M
Total Revenue93.6 M57.3 M
Cost Of Revenue22.1 M12.1 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.27  0.28 
Capex To Revenue 0.02  0.02 
Revenue Per Share 11.00  7.60 
Ebit Per Revenue 0.15  0.12 

Currently Active Assets on Macroaxis

When determining whether SB Financial Group is a strong investment it is important to analyze SB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact SB Financial's future performance. For an informed investment choice regarding SBFG Stock, refer to the following important reports:
Check out the analysis of SB Financial Correlation against competitors.
You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SB Financial. If investors know SBFG will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.829
Dividend Share
0.59
Earnings Share
2.11
Revenue Per Share
9.832
Quarterly Revenue Growth
0.15
The market value of SB Financial Group is measured differently than its book value, which is the value of SBFG that is recorded on the company's balance sheet. Investors also form their own opinion of SB Financial's value that differs from its market value or its book value, called intrinsic value, which is SB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SB Financial's market value can be influenced by many factors that don't directly affect SB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if SB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.