SBFG Retained Earnings vs Net Invested Capital Analysis

SBFG Stock

USD 21.79 1.04 5.01%

SB Financial financial indicator trend analysis is much more than just breaking down SB Financial Group prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether SB Financial Group is a good investment. Please check the relationship between SB Financial Retained Earnings and its Net Invested Capital accounts. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SB Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Retained Earnings vs Net Invested Capital

Retained Earnings vs Net Invested Capital Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of SB Financial Group Retained Earnings account and Net Invested Capital. At this time, the significance of the direction appears to have almost identical trend.

The correlation between SB Financial's Retained Earnings and Net Invested Capital is 0.93. Overlapping area represents the amount of variation of Retained Earnings that can explain the historical movement of Net Invested Capital in the same time period over historical financial statements of SB Financial Group, assuming nothing else is changed. The correlation between historical values of SB Financial's Retained Earnings and Net Invested Capital is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Retained Earnings of SB Financial Group are associated (or correlated) with its Net Invested Capital. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Invested Capital has no effect on the direction of Retained Earnings i.e., SB Financial's Retained Earnings and Net Invested Capital go up and down completely randomly.

Correlation Coefficient

0.93

Relationship Direction	Positive
Relationship Strength	Very Strong

View All Relationships

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.

Net Invested Capital

The total amount of capital invested in a company, including both equity and debt, minus any cash or cash equivalents.

Most indicators from SB Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into SB Financial Group current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SB Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

At this time, SB Financial's Tax Provision is most likely to decrease significantly in the upcoming years. The SB Financial's current Sales General And Administrative To Revenue is estimated to increase to 0.57, while Selling General Administrative is projected to decrease to roughly 19.2 M.

	2021	2022	2023	2024 (projected)
Interest Expense	4.0M	5.2M	18.9M	9.7M
Depreciation And Amortization	2.3M	2.3M	3.6M	1.8M

Interest Expense Depreciation And Amortization

SB Financial fundamental ratios Correlations

	Total Assets	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Common Stock Shares Outstanding	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Common Stock	Short Long Term Debt Total	Total Current Liabilities	Non Current Liabilities Total	Short Term Debt	Accounts Payable	Other Liab	Long Term Debt	Short Term Investments
Total Assets		0.91	0.88	-0.17	0.85	0.57	0.53	-0.63	0.24	0.64	0.58	0.8	0.76	-0.74	1.0	0.77	-0.2	0.8	0.52	0.23	0.44	0.2	-0.13	0.86	0.17	0.8
Total Stockholder Equity	0.91		0.94	-0.37	0.75	0.63	0.52	-0.59	0.0	0.66	0.45	0.72	0.93	-0.51	0.89	0.59	-0.06	0.72	0.27	0.07	0.18	0.12	-0.24	0.83	-0.1	0.63
Property Plant And Equipment Net	0.88	0.94		-0.21	0.73	0.48	0.39	-0.44	0.19	0.58	0.36	0.66	0.92	-0.48	0.86	0.6	0.07	0.66	0.35	0.07	0.22	0.14	-0.27	0.72	-0.14	0.6
Net Debt	-0.17	-0.37	-0.21		0.09	-0.81	-0.37	0.08	0.41	-0.66	0.17	0.1	-0.35	-0.27	-0.14	0.27	-0.24	0.1	0.63	0.56	0.68	0.51	0.3	-0.39	0.66	0.09
Retained Earnings	0.85	0.75	0.73	0.09		0.45	0.47	-0.76	0.2	0.4	0.82	0.96	0.65	-0.93	0.85	0.95	-0.45	0.96	0.78	0.6	0.72	0.5	-0.03	0.76	0.5	0.91
Cash	0.57	0.63	0.48	-0.81	0.45		0.63	-0.47	-0.22	0.82	0.3	0.41	0.51	-0.33	0.56	0.32	-0.07	0.41	-0.07	-0.12	-0.15	-0.11	-0.26	0.72	-0.2	0.46
Non Current Assets Total	0.53	0.52	0.39	-0.37	0.47	0.63		-0.4	-0.01	0.35	0.29	0.45	0.35	-0.43	0.53	0.44	-0.18	0.45	0.16	0.36	0.03	0.3	0.07	0.57	0.05	0.48
Non Currrent Assets Other	-0.63	-0.59	-0.44	0.08	-0.76	-0.47	-0.4		0.16	-0.33	-0.84	-0.81	-0.56	0.74	-0.63	-0.7	0.65	-0.81	-0.51	-0.43	-0.53	-0.23	-0.26	-0.78	-0.47	-0.63
Other Assets	0.24	0.0	0.19	0.41	0.2	-0.22	-0.01	0.16		-0.02	0.1	0.1	-0.12	-0.3	0.27	0.27	-0.13	0.1	0.45	0.21	0.37	0.34	-0.14	0.06	0.21	0.29
Cash And Short Term Investments	0.64	0.66	0.58	-0.66	0.4	0.82	0.35	-0.33	-0.02		0.1	0.32	0.51	-0.28	0.63	0.33	0.13	0.32	-0.07	-0.4	-0.14	-0.36	-0.56	0.6	-0.31	0.54
Net Receivables	0.58	0.45	0.36	0.17	0.82	0.3	0.29	-0.84	0.1	0.1		0.86	0.4	-0.87	0.59	0.78	-0.82	0.86	0.74	0.68	0.77	0.48	0.38	0.72	0.73	0.65
Common Stock Total Equity	0.8	0.72	0.66	0.1	0.96	0.41	0.45	-0.81	0.1	0.32	0.86		0.63	-0.9	0.8	0.89	-0.56	1.0	0.75	0.62	0.71	0.49	0.1	0.78	0.54	0.84
Common Stock Shares Outstanding	0.76	0.93	0.92	-0.35	0.65	0.51	0.35	-0.56	-0.12	0.51	0.4	0.63		-0.36	0.73	0.46	-0.03	0.63	0.18	0.01	0.09	0.03	-0.19	0.74	-0.21	0.45
Other Stockholder Equity	-0.74	-0.51	-0.48	-0.27	-0.93	-0.33	-0.43	0.74	-0.3	-0.28	-0.87	-0.9	-0.36		-0.76	-0.97	0.61	-0.9	-0.89	-0.71	-0.86	-0.55	-0.14	-0.66	-0.74	-0.91
Total Liab	1.0	0.89	0.86	-0.14	0.85	0.56	0.53	-0.63	0.27	0.63	0.59	0.8	0.73	-0.76		0.78	-0.22	0.8	0.54	0.25	0.47	0.21	-0.12	0.86	0.2	0.81
Property Plant And Equipment Gross	0.77	0.59	0.6	0.27	0.95	0.32	0.44	-0.7	0.27	0.33	0.78	0.89	0.46	-0.97	0.78		-0.45	0.89	0.87	0.66	0.81	0.53	0.04	0.62	0.64	0.93
Total Current Assets	-0.2	-0.06	0.07	-0.24	-0.45	-0.07	-0.18	0.65	-0.13	0.13	-0.82	-0.56	-0.03	0.61	-0.22	-0.45		-0.56	-0.52	-0.58	-0.59	-0.36	-0.52	-0.48	-0.71	-0.36
Common Stock	0.8	0.72	0.66	0.1	0.96	0.41	0.45	-0.81	0.1	0.32	0.86	1.0	0.63	-0.9	0.8	0.89	-0.56		0.75	0.62	0.71	0.49	0.1	0.78	0.54	0.84
Short Long Term Debt Total	0.52	0.27	0.35	0.63	0.78	-0.07	0.16	-0.51	0.45	-0.07	0.74	0.75	0.18	-0.89	0.54	0.87	-0.52	0.75		0.81	0.97	0.72	0.2	0.35	0.83	0.74
Total Current Liabilities	0.23	0.07	0.07	0.56	0.6	-0.12	0.36	-0.43	0.21	-0.4	0.68	0.62	0.01	-0.71	0.25	0.66	-0.58	0.62	0.81		0.79	0.85	0.38	0.2	0.82	0.51
Non Current Liabilities Total	0.44	0.18	0.22	0.68	0.72	-0.15	0.03	-0.53	0.37	-0.14	0.77	0.71	0.09	-0.86	0.47	0.81	-0.59	0.71	0.97	0.79		0.64	0.26	0.3	0.9	0.69
Short Term Debt	0.2	0.12	0.14	0.51	0.5	-0.11	0.3	-0.23	0.34	-0.36	0.48	0.49	0.03	-0.55	0.21	0.53	-0.36	0.49	0.72	0.85	0.64		0.18	0.11	0.63	0.42
Accounts Payable	-0.13	-0.24	-0.27	0.3	-0.03	-0.26	0.07	-0.26	-0.14	-0.56	0.38	0.1	-0.19	-0.14	-0.12	0.04	-0.52	0.1	0.2	0.38	0.26	0.18		0.09	0.46	-0.26
Other Liab	0.86	0.83	0.72	-0.39	0.76	0.72	0.57	-0.78	0.06	0.6	0.72	0.78	0.74	-0.66	0.86	0.62	-0.48	0.78	0.35	0.2	0.3	0.11	0.09		0.15	0.63
Long Term Debt	0.17	-0.1	-0.14	0.66	0.5	-0.2	0.05	-0.47	0.21	-0.31	0.73	0.54	-0.21	-0.74	0.2	0.64	-0.71	0.54	0.83	0.82	0.9	0.63	0.46	0.15		0.5
Short Term Investments	0.8	0.63	0.6	0.09	0.91	0.46	0.48	-0.63	0.29	0.54	0.65	0.84	0.45	-0.91	0.81	0.93	-0.36	0.84	0.74	0.51	0.69	0.42	-0.26	0.63	0.5

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SB Financial Account Relationship Matchups

SB Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.0B	1.3B	1.3B	1.3B	1.3B	814.0M
Total Stockholder Equity	136.1M	142.9M	144.9M	118.4M	124.3M	78.7M
Property Plant And Equipment Net	23.4M	23.6M	23.2M	22.8M	21.4M	16.9M
Net Debt	(11.1M)	(138.5M)	(111.8M)	64.6M	78.7M	82.7M
Retained Earnings	72.7M	84.6M	99.7M	102.0M	108.5M	113.9M
Cash	27.1M	146.5M	152.2M	29.9M	23.0M	34.8M
Non Current Assets Total	153.2M	202.8M	321.7M	46.1M	278.2M	152.1M
Non Currrent Assets Other	(153.2M)	(202.8M)	(321.7M)	(252.3M)	(278.2M)	(292.1M)
Other Assets	754.3M	755.3M	590.8M	1.0B	1.0B	747.3M
Cash And Short Term Investments	128.0M	295.9M	415.4M	268.7M	23.0M	21.8M
Net Receivables	3.1M	3.8M	2.9M	4.1M	4.7M	4.9M
Common Stock Shares Outstanding	8.3M	8.0M	7.5M	7.0M	6.9M	6.3M
Liabilities And Stockholders Equity	1.0B	1.3B	1.3B	1.3B	1.3B	814.0M
Other Stockholder Equity	8.3M	1.7M	(7.4M)	(12.7M)	(15.6M)	(14.9M)
Total Liab	902.5M	1.1B	1.2B	1.2B	1.2B	735.3M
Property Plant And Equipment Gross	23.4M	23.6M	45.1M	46.5M	47.2M	49.6M
Total Current Assets	131.1M	299.7M	418.3M	242.9M	27.6M	26.2M
Accumulated Other Comprehensive Income	659K	2.2M	(1.8M)	(32.1M)	(29.8M)	(28.3M)
Short Long Term Debt Total	31.3M	33.0M	40.4M	94.5M	103.2M	108.4M
Total Current Liabilities	1.2M	616K	15.6M	2.8M	872.0M	915.6M
Short Term Debt	20.9M	22.7M	15.3M	14.9M	74.5M	78.2M
Accounts Payable	1.2M	616K	299K	769K	2.4M	1.3M
Other Liab	18.7M	26.8M	21.9M	17.8M	20.5M	10.8M
Short Term Investments	100.9M	149.4M	263.3M	238.8M	219.7M	230.7M
Inventory	(30.5M)	(150.3M)	(157.2M)	777K	(27.6M)	(26.2M)
Treasury Stock	(6.8M)	(13.2M)	(22.3M)	(27.8M)	(25.0M)	(23.8M)
Property Plant Equipment	23.4M	23.6M	23.2M	22.8M	26.3M	18.2M
Other Current Liab	(1.2M)	(616K)	(299K)	(3.6M)	(2.4M)	(2.3M)
Good Will	17.8M	22.1M	23.2M	23.2M	26.7M	17.2M
Other Current Assets	30.5M	150.3M	157.2M	34.8M	29.7M	28.2M
Intangible Assets	11.0M	7.8M	12.0M	13.5M	13.9M	11.4M
Retained Earnings Total Equity	72.7M	84.6M	99.7M	102.0M	117.3M	123.1M
Net Tangible Assets	118.3M	120.8M	121.7M	95.2M	109.5M	89.2M
Capital Surpluse	15.0M	14.8M	14.9M	15.1M	13.6M	12.2M
Long Term Investments	7.3M	7.2M	263.3M	238.8M	219.7M	230.7M

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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:

How To Invest In SBFG

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Is SBFG Stock a good investment?

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What is SB Financial's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SB Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.

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

(0.10)

Dividend Share

0.55

Earnings Share

1.74

Revenue Per Share

8.433

Quarterly Revenue Growth

0.024

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.

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SBFG Retained Earnings vs Net Invested Capital Analysis

Retained Earnings vs Net Invested Capital

Retained Earnings vs Net Invested Capital Correlation Analysis

Correlation Coefficient

Retained Earnings

Net Invested Capital

SB Financial fundamental ratios Correlations

SB Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

SB Financial fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Common Stock	+ 1.0	Common Stock Total Equity
Non Current Liabilities Total	+ 0.97	Short Long Term Debt Total
Common Stock Total Equity	+ 0.96	Retained Earnings
Common Stock	+ 0.96	Retained Earnings
Property Plant And Equipment Gross	+ 0.95	Retained Earnings

Property Plant And Equipment Gross	- 0.97	Other Stockholder Equity
Other Stockholder Equity	- 0.93	Retained Earnings
Short Term Investments	- 0.91	Other Stockholder Equity
Common Stock	- 0.9	Other Stockholder Equity
Other Stockholder Equity	- 0.9	Common Stock Total Equity
Short Long Term Debt Total	- 0.89	Other Stockholder Equity