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SB Financial

NAQ:SBFG · US78408D1054
BanksSmall

360

92
Profit price89
Cash yield67
Price/Sales75
EV / Gross Profit80
Price/Book79
Returns on capital96
Profit margins—
Cash Conversion12
Accruals35
Owner Earnings Margin75
Sales growth31
Profit Growth93
Owner Earnings Growth75
Reinvestment44
Price momentum48
Debt load84
Debt serviceability50
Liquidity45
Analyst ratings100
Opinion Changes50
Price Target Upside49
Market mood49
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

SB Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1983
Websiteir.yourstatebank.com/corporate-profile/default.aspx
ISINUS78408D1054
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

SB Financial Group, Inc. (the ‘SB Financial’) operates as a financial holding company for The State Bank and Trust Company (‘State Bank’) that provides a full range of commercial banking services. Through the company’s direct and indirect subsidiari…

Analysis

Quality compounder

SB Financial Group, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 7.7× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
79
2023202420252026

All-time high

84

Jan 2025

All-time low

38

Mar 2026

Average rank

69

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
75
59
66
57
Price/Earnings
89
53
78
69
Price/Book
79
53
80
94
Dividend Yield
67
56
68
61
Value (overall)
90
93
86
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →