SB Financial Group, Inc. (SBFG) Stock

SB Financial Group, Inc. (SBFG) is a Financials stock trading at $26.66 (as of 2026-08-21), with a market capitalization of $167.29M and a trailing P/E of 11.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

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Understand SB Financial Group, Inc.: how it makes money

SB Financial Group provides commercial banking and wealth management services, including deposits, loans, and trust-related offerings (plus internet and ATM banking), and it makes money primarily through banking products and services tied to its lending and client relationships.

For a regional bank like SB Financial Group, earnings are structurally driven by how its earning assets (loans and related activities) generate income, with additional contributions from fee and service businesses (such as wealth and trust), while operating discipline determines how much of that income turns into profit.

Revenue by segment (latest quarter)
Wealth	$0.0B
Mortgage	$0.0B
GainSale	$0.0B

Business quality (Solid): Good business context (what SB Financial Group offers), but the provided quarter data shows revenue and multiple segment lines as 0.0B (rounded), which limits how precisely the profit drivers can be validated from these facts alone.

Valuation: At 10× earnings, SBFG trades 23% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Diversified banking and service toolkit (checking, savings, money market and CDs, mortgage and other loans, plus trust and personalized offerings) can support multiple income streams rather than relying on one product: The company offers deposits, a range of mortgage and commercial lending, and trust and personalized client services (including private client group and trust-related offerings).
Mortgage activity is an explicit operational driver in the provided KPI set: The KPI list includes Mortgage Origination Volume, indicating investors may focus on the scale of mortgage origination activity.

Bear case

Provided segment and revenue detail for 2026-03-31 is heavily rounded to 0.0B, making it harder to confirm which lines actually drive performance in that period: The segment revenue candidates shown are 0.0 for multiple categories, while reported revenue_b is 0.0B (rounded).
Geographic concentration can amplify local economic and housing-cycle risks: SB Financial Group serves customers primarily in Ohio, Indiana, and Michigan.
Mortgage-related performance can be sensitive to origination conditions: Mortgage Origination Volume is highlighted as an operational KPI candidate, implying that changes in mortgage demand and origination activity may affect results.

Valuation — source: SEC EDGAR (first-party)
Price	$26.66
Market Cap	$167.29M
P/E Ratio	11.7
EV / EBITDA	2.4
Price / Book	1.16
Price / Sales	2.26
FCF Yield	10.8%
DCF Value (model)	$41.03
DCF Upside vs Price	53.9%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$73.92M
Net Margin	18.9%
Revenue Growth (YoY)	14.9%
EPS Growth (YoY)	27.3%
FCF Growth (YoY)	160.7%

Valuation vs Sector & Industry
Stock P/E	11.7
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-22.8%
vs Industry	-10.1%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	MANUFACTURERS LIFE INSURANCE COMPANY, THE ($9.88M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Mark A. Klein
Employees	262
Country	US
IPO Date	1999-01-04

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.