📊 SBFG Key Takeaways
Is Sb Financial Group, Inc.. (SBFG) a Good Investment?
Despite impressive 183% revenue growth and strong operating margins (41.5%), fundamental quality deteriorates significantly: operating cash flow is -$3.0M with negative free cash flow, net income grew only 0.2% despite dramatic top-line expansion, and critically low interest coverage (0.3x) indicates inability to service debt from operations. This extreme disconnect between revenue and earnings growth, combined with negative cash generation, signals either unsustainable acquisition-driven growth or serious earnings quality concerns.
Sb Financial Group, Inc.. Key Strengths (SBFG)
- Exceptional revenue growth of 183% YoY demonstrates significant business expansion
- High operating margin of 41.5% and net margin of 33.8% show pricing power and cost control
- Conservative leverage with debt-to-equity of only 0.14x and substantial $126.3M cash position
SBFG Stock Risks: Sb Financial Group, Inc.. Investment Risks
- Negative operating cash flow (-$3.0M) and free cash flow (-$3.2M) despite positive earnings indicates severe earnings quality issues and cash generation problems
- Interest coverage ratio of 0.3x is critically low—company cannot cover debt service from operating income, creating refinancing risk
- Revenue surged 183% while net income increased only 0.2%—extreme disconnect suggests unsustainable growth, aggressive acquisitions without earnings accretion, or accounting anomalies
- Dismal returns on equity (3%) and assets (0.3%) reveal severe capital inefficiency despite high profit margins
Key Metrics to Watch
- Operating cash flow sustainability and return to positive territory
- Interest coverage ratio improvement above 1.0x minimum threshold
- Revenue growth rate normalization and earnings growth acceleration toward high-single-digit or double-digit territory
- Return on equity trend toward 8-12% range typical for regional banking sector
Sb Financial Group, Inc.. (SBFG) Financial Metrics & Key Ratios
💡 AI Analyst Insight
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 grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SBFG's key strengths?
Claude: Exceptional revenue growth of 183% YoY demonstrates significant business expansion. High operating margin of 41.5% and net margin of 33.8% show pricing power and cost control.
What are the risks of investing in SBFG?
Claude: Negative operating cash flow (-$3.0M) and free cash flow (-$3.2M) despite positive earnings indicates severe earnings quality issues and cash generation problems. Interest coverage ratio of 0.3x is critically low—company cannot cover debt service from operating income, creating refinancing risk.
What is SBFG's revenue and growth?
Sb Financial Group, Inc.. reported revenue of $12.7M.
Does SBFG pay dividends?
Sb Financial Group, Inc.. pays dividends, with $1.0M 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 $0.69.
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 grade reflects both perspectives for balanced insights.
What is SBFG's fundamental grade?
Based on our AI fundamental analysis in May 2026, Sb Financial Group, Inc.. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SBFG stock overvalued or undervalued?
Valuation metrics for SBFG: ROE of 3.0% (sector avg: 12%), net margin of 33.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SBFG's AI grade for 2026?
Our dual AI analysis gives Sb Financial Group, Inc.. a combined C grade 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 $-3.0M, with capital expenditures of $229.0K. FCF margin is -25.4%.
How does SBFG compare to other Finance stocks?
Vs Finance sector averages: Net margin 33.8% (avg: 25%), ROE 3.0% (avg: 12%), current ratio N/A (avg: 1.2).