SB Financial Group Net Income
| SBFG Stock | USD 20.96 0.03 0.14% |
As of the 16th of February 2026, SB Financial owns the market risk adjusted performance of 0.0365, and Standard Deviation of 2.24. In connection with fundamental indicators, the technical analysis model makes it possible for you to check timely technical drivers of SB Financial Group, as well as the relationship between them. Please validate SB Financial Group jensen alpha, semi variance, and the relationship between the standard deviation and value at risk to decide if SB Financial Group is priced adequately, providing market reflects its prevailing price of 20.96 per share. Given that SB Financial Group has jensen alpha of (0.03), we advise you to double-check SB Financial's latest market performance to make sure the company can sustain itself sooner or later.
SB Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 2.9704 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 13.2 M | 13.9 M | |
| Net Income Applicable To Common Shares | 14.4 M | 7.6 M | |
| Net Income From Continuing Ops | 13.2 M | 12 M | |
| Net Income Per Share | 2.19 | 2.30 | |
| Net Income Per E B T | 0.81 | 0.54 |
SBFG | Net Income | Build AI portfolio with SBFG Stock |
The Net Income trend for SB Financial Group offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether SB Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest SB Financial's Net Income Growth Pattern
Below is the plot of the Net Income of SB Financial Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in SB Financial Group financial statement analysis. It represents the amount of money remaining after all of SB Financial Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is SB Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in SB Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 11.47 M | 10 Years Trend |
|
Net Income |
| Timeline |
SBFG Net Income Regression Statistics
| Arithmetic Mean | 10,004,324 | |
| Geometric Mean | 8,680,407 | |
| Coefficient Of Variation | 45.74 | |
| Mean Deviation | 3,833,701 | |
| Median | 11,470,000 | |
| Standard Deviation | 4,575,939 | |
| Sample Variance | 20.9T | |
| Range | 16.6M | |
| R-Value | 0.86 | |
| Mean Square Error | 5.7T | |
| R-Squared | 0.75 | |
| Slope | 782,875 | |
| Total Sum of Squares | 335T |
SBFG Net Income History
Other Fundumenentals of SB Financial Group
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
SB Financial Net Income component correlations
SBFG Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for SB Financial is extremely important. It helps to project a fair market value of SBFG Stock properly, considering its historical fundamentals such as Net Income. Since SB Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of SB Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of SB Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does SBFG have expansion opportunities? 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. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating SB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.136 | Dividend Share 0.6 | Earnings Share 2.19 | Revenue Per Share | Quarterly Revenue Growth 0.075 |
Investors evaluate SB Financial Group using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating SB Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause SB Financial's market price to deviate significantly 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. Conversely, SB Financial's market price signifies the transaction level at which participants voluntarily complete trades.
SB Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to SB Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of SB Financial.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in SB Financial on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding SB Financial Group or generate 0.0% return on investment in SB Financial over 90 days. SB Financial is related to or competes with Richmond Mutual, Affinity Bancshares, Patriot National, Magyar Bancorp, Eagle Bancorp, Sound Financial, and SR Bancorp. SB Financial Group, Inc. provides a range of commercial banking and wealth management services to individual and corpora... More
SB Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure SB Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess SB Financial Group upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.02 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 10.31 | |||
| Value At Risk | (3.71) | |||
| Potential Upside | 3.85 |
SB Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for SB Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as SB Financial's standard deviation. In reality, there are many statistical measures that can use SB Financial historical prices to predict the future SB Financial's volatility.| Risk Adjusted Performance | 0.0184 | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.14) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0265 |
SB Financial February 16, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0184 | |||
| Market Risk Adjusted Performance | 0.0365 | |||
| Mean Deviation | 1.77 | |||
| Semi Deviation | 1.98 | |||
| Downside Deviation | 2.02 | |||
| Coefficient Of Variation | 6726.22 | |||
| Standard Deviation | 2.24 | |||
| Variance | 5.02 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | (0.03) | |||
| Total Risk Alpha | (0.14) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | 0.0265 | |||
| Maximum Drawdown | 10.31 | |||
| Value At Risk | (3.71) | |||
| Potential Upside | 3.85 | |||
| Downside Variance | 4.07 | |||
| Semi Variance | 3.92 | |||
| Expected Short fall | (2.04) | |||
| Skewness | 0.3746 | |||
| Kurtosis | (0.05) |
SB Financial Group Backtested Returns
At this point, SB Financial is very steady. SB Financial Group retains Efficiency (Sharpe Ratio) of 0.0604, which indicates the company had a 0.0604 % return per unit of price deviation over the last 3 months. We have found twenty-nine technical indicators for SB Financial, which you can use to evaluate the volatility of the entity. Please validate SB Financial's market risk adjusted performance of 0.0365, and Standard Deviation of 2.24 to confirm if the risk estimate we provide is consistent with the expected return of 0.13%. SB Financial has a performance score of 4 on a scale of 0 to 100. The firm owns a Beta (Systematic Risk) of 0.88, which indicates possible diversification benefits within a given portfolio. SB Financial returns are very sensitive to returns on the market. As the market goes up or down, SB Financial is expected to follow. SB Financial Group today owns a risk of 2.17%. Please validate SB Financial Group sortino ratio, semi variance, and the relationship between the standard deviation and value at risk , to decide if SB Financial Group will be following its current price history.
Auto-correlation | 0.45 |
Average predictability
SB Financial Group has average predictability. Overlapping area represents the amount of predictability between SB Financial time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of SB Financial Group price movement. The serial correlation of 0.45 indicates that just about 45.0% of current SB Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.45 | |
| Spearman Rank Test | -0.12 | |
| Residual Average | 0.0 | |
| Price Variance | 0.32 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
SBFG Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, SB Financial Group reported net income of 11.47 M. This is 99.1% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.99% higher than that of the company.
SBFG Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses SB Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of SB Financial could also be used in its relative valuation, which is a method of valuing SB Financial by comparing valuation metrics of similar companies.SB Financial is currently under evaluation in net income category among its peers.
SB Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, SB Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to SB Financial's managers, analysts, and investors.Environmental | Governance | Social |
SB Financial Institutional Holders
Institutional Holdings refers to the ownership stake in SB Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of SB Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing SB Financial's value.| Shares | Northern Trust Corp | 2025-06-30 | 56.4 K | State Street Corp | 2025-06-30 | 56.3 K | Gendell Jeffrey L | 2025-06-30 | 46.3 K | Empowered Funds, Llc | 2025-06-30 | 43.1 K | Susquehanna International Group, Llp | 2025-06-30 | 38.5 K | First Manhattan Co. Llc | 2025-06-30 | 35.6 K | Citadel Advisors Llc | 2025-06-30 | 33.7 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 27.5 K | O'shaughnessy Asset Management Llc | 2025-06-30 | 25 K | Manufacturers Life Insurance Co | 2025-06-30 | 476.6 K | Cutler Capital Management | 2025-06-30 | 392 K |
SBFG Fundamentals
| Return On Equity | 0.1 | ||||
| Return On Asset | 0.0096 | ||||
| Profit Margin | 0.22 % | ||||
| Operating Margin | 0.31 % | ||||
| Current Valuation | 132.12 M | ||||
| Shares Outstanding | 6.23 M | ||||
| Shares Owned By Insiders | 11.16 % | ||||
| Shares Owned By Institutions | 54.39 % | ||||
| Number Of Shares Shorted | 114.25 K | ||||
| Price To Earning | 5.95 X | ||||
| Price To Book | 0.93 X | ||||
| Price To Sales | 2.02 X | ||||
| Revenue | 91.03 M | ||||
| Gross Profit | 64.54 M | ||||
| EBITDA | 17.25 M | ||||
| Net Income | 11.47 M | ||||
| Cash And Equivalents | 34.23 M | ||||
| Cash Per Share | 4.87 X | ||||
| Total Debt | 74.28 M | ||||
| Book Value Per Share | 22.65 X | ||||
| Cash Flow From Operations | 9.45 M | ||||
| Short Ratio | 12.37 X | ||||
| Earnings Per Share | 2.19 X | ||||
| Target Price | 24.0 | ||||
| Number Of Employees | 252 | ||||
| Beta | 0.21 | ||||
| Market Capitalization | 130.34 M | ||||
| Total Asset | 1.55 B | ||||
| Retained Earnings | 126.31 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.12 % | ||||
| Net Asset | 1.55 B | ||||
| Last Dividend Paid | 0.6 |
About SB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze SB Financial Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of SB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of SB Financial Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Currently Active Assets on Macroaxis
| FSLY | Fastly Class A | |
| MOB | Mobilicom Limited American | |
| CMG | Chipotle Mexican Grill | |
| CSAN | Cosan SA ADR | |
| RKT | Rocket Companies |
Check out You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Can Regional Banks industry sustain growth momentum? Does SBFG have expansion opportunities? 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. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating SB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.136 | Dividend Share 0.6 | Earnings Share 2.19 | Revenue Per Share | Quarterly Revenue Growth 0.075 |
Investors evaluate SB Financial Group using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating SB Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause SB Financial's market price to deviate significantly 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. Conversely, SB Financial's market price signifies the transaction level at which participants voluntarily complete trades.