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SB FINANCIAL GROUP, INC.

SBFG

$29.86 ▼ -0.41 (-1.34%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SB FINANCIAL GROUP, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $190.2M

Dividend Yield 2.01%

Revenue Growth 15.1% ↗

Op. Margin 26.3% ↗

ROIC None

FCF / Share None

Trailing P/E 13.6x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.07

info Valuation on last close. End-of-day price, Sep 23, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$65.56M

↑ +15.1% —

Net Income Profit after all expenses

$13.97M

↑ +21.8% —

Operating Margin Operating profit as % of sales

26.3%

↑ +8.2% 83th

Long-Term Debt Long-term obligations

$19.69M

— +0.2% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.60 Latest / share

+7.1% YoY

-1.3% 7-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

$0.65

FY 2018

$0.65

FY 2019

$0.40

FY 2020

FY 2021

$0.48

FY 2022

$0.52

FY 2023

$0.56

FY 2024

$0.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	15.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+152%)	-0.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-102%)	-1.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	—	—	22.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+274%)	8.9% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	9.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	4.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	12.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+100%)	15.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+161%)	-3.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	-2.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	-15.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-354%)	-18.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-416%)	—	—
EPS Growth YoY (%)	27.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-30.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-0.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	25.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	191.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—
Net Income Growth YoY (%)	21.8% Good ↑ Good Improving Year-over-year change in net income	-5.2% Weak ↓ Weak Declining Year-over-year change in net income	-3.4% Weak ↓ Weak Declining Year-over-year change in net income	-31.5% Weak ↓ Weak Declining Year-over-year change in net income	22.3% Good ↑ Good Improving Year-over-year change in net income	24.8% Good ↑ Good Improving Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	5.2% Fair ↓ Fair Declining Year-over-year change in net income	26.0% Excellent ↑ Excellent Improving Year-over-year change in net income	15.3% Good ↓ Good Declining Year-over-year change in net income	44.8% Excellent ↓ Excellent Declining Year-over-year change in net income	1.1% Caution ↓ Caution Declining Year-over-year change in net income	8.1% Fair Fair Year-over-year change in net income	189.3% Excellent Excellent Year-over-year change in net income	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	—	-5.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	13.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-5.1% Weak Weak Compound annual revenue growth over 3 years	-10.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	11.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-0.9% Weak Weak Compound annual revenue growth over 5 years	-7.7% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-12.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	24.8% Excellent → Excellent Stable Compound annual EPS growth over 3 years	14.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	11.2% Good ↓ Good Declining Compound annual EPS growth over 3 years	47.0% Excellent Excellent Compound annual EPS growth over 3 years	—	141.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	26.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	24.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	21.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	21.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	22.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	20.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	19.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	15.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	14.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	4.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	-38.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-274%)	0.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	7.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	-33.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-383%)	0.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.24x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.27x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	—	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	—	—	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	0.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.45x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.99x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.29	$8.55	$8.35	$8.23	—	$8.74	$8.41	—	—	—	—	—	$7.16	—	—	—	—	—
Basic EPS, GAAP (USD)	$2.19	$1.72	$1.77	$1.79	$2.58	$1.96	$1.71	$1.72	$2.10	$1.60	$1.36	$1.08	$1.07	$0.99	$0.34	$-3.21	$0.07	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.60	$0.56	$0.52	$0.48	—	$0.40	$0.65	$0.65	—	—	—	—	—	—	—	—	$0.36	—
Book Value per Share (USD)	$22.18	$19.15	$18.21	$16.91	$420.08	$18.77	$21.08	—	—	—	—	—	$11.55	—	—	—	—	—
Tangible Book Value per Share (USD)	$17.91	$15.66	$14.80	$13.59	$352.86	$15.87	$18.32	—	—	—	—	—	$8.06	—	—	—	—	—
Basic Weighted Avg Shares (shares)	6.37M	6.66M	6.83M	7.00M	7.08M	7.61M	6.46M	6,198	4,817	4,877	4,884	4,874	4.87M	4,862	4,862	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	20.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	37.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$19.69M	$19.64M	—	$19.55M	—	—	—	—	—	—	—	$589.00K	$1.70M	$2.79M	—	—	—
Total Equity (USD)	$141.24M	$127.51M	$124.34M	$118.43M	$144.93M	$142.92M	$136.09M	$130.44M	$94.00M	$86.55M	$81.24M	$75.68M	$56.27M	$53.28M	$47.93M	$46.02M	$61.71M	$61.66M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$65.56M	$56.94M	$56.99M	$57.63M	—	$66.53M	$54.32M	$49.89M	$45.60M	$43.74M	$39.05M	$33.76M	$34.86M	$35.58M	$34.57M	$40.78M	$50.30M	—
Depreciation Expense (USD)	$2.20M	$2.15M	$2.23M	$2.20M	$2.26M	$1.94M	$1.88M	$1.69M	$1.57M	$1.51M	$1.10M	$901.00K	—	—	—	—	—	—
Net Income, GAAP (USD)	$13.97M	$11.47M	$12.10M	$12.52M	$18.28M	$14.94M	$11.97M	$11.64M	$11.06M	$8.78M	$7.62M	$5.26M	$5.21M	$4.81M	$1.66M	$-15.61M	$382.49K	—
Operating Cash Flow (USD)	$24.04M	$9.45M	$13.99M	$25.57M	$17.26M	$23.91M	$18.83M	$13.85M	$9.80M	$14.03M	$8.62M	$5.01M	$13.95M	$7.42M	$14.91M	$16.86M	$-7.18M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.9%	2.9%	2.9%	—	2.9%	3.5%	3.4%	3.2%	3.2%	3.2%	3.1%	3.3%	3.2%	3.3%	3.0%	—	—
Efficiency Ratio (%) (%)	71.7%	75.4%	73.6%	73.4%	—	64.8%	68.9%	69.8%	69.2%	68.8%	69.0%	76.9%	76.1%	77.3%	87.5%	128.3%	89.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 18 years · 68 quarters

SB FINANCIAL GROUP, INC.

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