📊 SBFG Key Takeaways
Is Sb Financial Group, Inc.. (SBFG) a Good Investment?
SB Financial demonstrates exceptional revenue growth of 183% YoY and robust free cash flow generation (44.2% FCF margin), but profitability growth has stalled with net income rising only 0.2% YoY, indicating significant earnings quality concerns. Critical red flag: interest coverage ratio of 0.9x suggests operating income barely covers interest expenses, requiring urgent clarification on underlying drivers and sustainability.
Why Buy Sb Financial Group, Inc.. Stock? SBFG Key Strengths
- Exceptional revenue growth of 183.2% year-over-year
- Strong operating margin of 35.6% and net margin of 28.8%
- Excellent free cash flow generation at $21.4M with 44.2% FCF margin
- Conservative balance sheet with low debt-to-equity ratio of 0.14x
- Solid diluted EPS growth of 27.3% year-over-year
SBFG Stock Risks: Sb Financial Group, Inc.. Investment Risks
- Critical: Interest coverage ratio of 0.9x indicates insufficient operating income to cover interest expenses
- Massive disconnect between revenue growth (+183%) and net income growth (+0.2%) raises severe earnings quality concerns
- ROA of 0.9% is at the lower end of acceptable range for banking sector
- ROE of 9.9% lags typical bank sector targets of 10-15%
- 21 insider Form 4 filings in 90 days suggests elevated insider activity with unclear motivations
Key Metrics to Watch
- Interest coverage ratio and interest expense trajectory - primary monitoring priority
- Reconciliation of revenue growth drivers versus net income stagnation
- Return on assets improvement and deposit cost management
- Net interest margin stability and funding costs
Sb Financial Group, Inc.. (SBFG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 44.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
SBFG Profit Margin, ROE & Profitability Analysis
SBFG vs Finance Sector: How Sb Financial Group, Inc.. Compares
How Sb Financial Group, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Sb Financial Group, Inc.. Stock Overvalued? SBFG Valuation Analysis 2026
Based on fundamental analysis, Sb Financial Group, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Sb Financial Group, Inc.. Balance Sheet: SBFG Debt, Cash & Liquidity
SBFG Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Sb Financial Group, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.72 reflects profitable operations.
SBFG Revenue Growth, EPS Growth & YoY Performance
SBFG Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2019 | $705.0K | $2.2M | $0.39 |
| Q2 2019 | $710.0K | $2.2M | $0.33 |
| Q1 2019 | $734.0K | $1.7M | $0.28 |
| Q3 2018 | $688.0K | $2.5M | $0.39 |
| Q2 2018 | $704.0K | $2.1M | $0.37 |
| Q3 2012 | $7.9M | $603.0K | $0.12 |
| Q2 2012 | $8.5M | $777.0K | $0.16 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Sb Financial Group, Inc.. Dividends, Buybacks & Capital Allocation
SBFG SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Sb Financial Group, Inc.. (CIK: 0000767405)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SBFG
What is the AI rating for SBFG?
Sb Financial Group, Inc.. (SBFG) has an AI rating of HOLD with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SBFG's key strengths?
Claude: Exceptional revenue growth of 183.2% year-over-year. Strong operating margin of 35.6% and net margin of 28.8%.
What are the risks of investing in SBFG?
Claude: Critical: Interest coverage ratio of 0.9x indicates insufficient operating income to cover interest expenses. Massive disconnect between revenue growth (+183%) and net income growth (+0.2%) raises severe earnings quality concerns.
What is SBFG's revenue and growth?
Sb Financial Group, Inc.. reported revenue of $48.5M.
Does SBFG pay dividends?
Sb Financial Group, Inc.. pays dividends, with $3.8M distributed to shareholders in the trailing twelve months.
Where can I find SBFG SEC filings?
Official SEC filings for Sb Financial Group, Inc.. (CIK: 0000767405) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SBFG's EPS?
Sb Financial Group, Inc.. has a diluted EPS of $2.19.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SBFG a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Sb Financial Group, Inc.. has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SBFG stock overvalued or undervalued?
Valuation metrics for SBFG: ROE of 9.9% (sector avg: 12%), net margin of 28.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SBFG stock in 2026?
Our dual AI analysis gives Sb Financial Group, Inc.. a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SBFG's free cash flow?
Sb Financial Group, Inc..'s operating cash flow is $24.0M, with capital expenditures of $2.6M. FCF margin is 44.2%.
How does SBFG compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.8% (avg: 25%), ROE 9.9% (avg: 12%), current ratio N/A (avg: 1.2).