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Stocks · Financials · State Commercial Banks

SB FINANCIAL GROUP, INC.

SBFG Clue Score61
United States Fiscal year ends December CIK 0000767405
$29.21 -0.80% Close, 9 Oct 2026
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Price $29.21 +59.40% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income8.8EPS, diluted1.38Fiscal year 2017Net income11.1 +26.0%EPS, diluted1.74Fiscal year 2018Net income11.6 +5.2%EPS, diluted1.51Fiscal year 2019Net income12.0 +2.9%EPS, diluted1.51Fiscal year 2020Net income14.9 +24.8%EPS, diluted1.96Fiscal year 2021Net income18.3 +22.3%EPS, diluted2.56Fiscal year 2022Net income12.5 −31.5%EPS, diluted1.77Fiscal year 2023Net income12.1 −3.4%EPS, diluted1.75Fiscal year 2024Net income11.5 −5.2%EPS, diluted1.72Fiscal year 2025Net income14.0 +21.8%EPS, diluted2.19
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 8.8 11.1 11.6 12.0 14.9 18.3 12.5 12.1 11.5 14.0
Growth +26.0% +5.2% +2.9% +24.8% +22.3% −31.5% −3.4% −5.2% +21.8%
EPS, diluted 1.38 1.74 1.51 1.51 1.96 2.56 1.77 1.75 1.72 2.19

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow14.0Capital expenditure−1.6Free cash flow12.4Buybacks−1.2Dividends paid−1.2Fiscal year 2017Operating cash flow9.8Capital expenditure−3.7Free cash flow6.1 −50.9%Buybacks−1.8Dividends paid−1.4Fiscal year 2018Operating cash flow13.9Capital expenditure−2.0Free cash flow11.9 +94.6%Buybacks−0.1Dividends paid−2.1Fiscal year 2019Operating cash flow18.8Capital expenditure−2.0Free cash flow16.8 +41.6%Buybacks−5.1Dividends paid−2.3Fiscal year 2020Operating cash flow23.9Capital expenditure−2.0Free cash flow21.9 +30.6%Buybacks−7.2Dividends paid−3.1Fiscal year 2021Operating cash flow17.3Capital expenditure−2.4Free cash flow14.8 −32.4%Buybacks−9.5Dividends paid−3.1Fiscal year 2022Operating cash flow25.6Capital expenditure−1.9Free cash flow23.7 +59.6%Buybacks−5.9Dividends paid−3.4Fiscal year 2023Operating cash flow14.0Capital expenditure−1.0Free cash flow13.0 −45.0%Buybacks−3.5Dividends paid−3.6Fiscal year 2024Operating cash flow9.5Capital expenditure−1.2Free cash flow8.2 −36.9%Buybacks−4.8Dividends paid−3.8Fiscal year 2025Operating cash flow24.0Capital expenditure−2.6Free cash flow21.4 +160.7%Buybacks−5.7Dividends paid−3.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 14.0 9.8 13.9 18.8 23.9 17.3 25.6 14.0 9.5 24.0
Capital expenditure −1.6 −3.7 −2.0 −2.0 −2.0 −2.4 −1.9 −1.0 −1.2 −2.6
Free cash flow 12.4 6.1 11.9 16.8 21.9 14.8 23.7 13.0 8.2 21.4
Growth −50.9% +94.6% +41.6% +30.6% −32.4% +59.6% −45.0% −36.9% +160.7%
Buybacks −1.2 −1.8 −0.1 −5.1 −7.2 −9.5 −5.9 −3.5 −4.8 −5.7
Dividends paid −1.2 −1.4 −2.1 −2.3 −3.1 −3.1 −3.4 −3.6 −3.8 −3.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash17.0Shareholders’ equity86.5Fiscal year 2017Cash26.6Shareholders’ equity94.0Fiscal year 2018Cash48.4Shareholders’ equity130.4Fiscal year 2019Cash27.1Shareholders’ equity136.1Fiscal year 2020Cash140.7Shareholders’ equity142.9Fiscal year 2021Cash149.5Total debt19.5Net cash (debt)130.0Shareholders’ equity144.9Debt to equity0.13Fiscal year 2022Cash27.8Total debt19.6Net cash (debt)8.2Shareholders’ equity118.4Debt to equity0.17Fiscal year 2023Cash23.0Total debt19.6Net cash (debt)3.3Shareholders’ equity124.3Debt to equity0.16Fiscal year 2024Cash25.9Total debt19.7Net cash (debt)6.2Shareholders’ equity127.5Debt to equity0.15Fiscal year 2025Cash71.5Shareholders’ equity141.2
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 17.0 26.6 48.4 27.1 140.7 149.5 27.8 23.0 25.9 71.5
Total debt n/a n/a n/a n/a n/a 19.5 19.6 19.6 19.7 n/a
Net cash (debt) n/a n/a n/a n/a n/a 130.0 8.2 3.3 6.2 n/a
Shareholders’ equity 86.5 94.0 130.4 136.1 142.9 144.9 118.4 124.3 127.5 141.2
Debt to equity n/a n/a n/a n/a n/a 0.13 0.17 0.16 0.15 n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
31.9% 18.8% 19.4% 18.2% 19.0% 19.6% 18.2% 17.8% 17.2% 19.0%
Returns
10.1% 11.8% 8.9% 8.8% 10.5% 12.6% 10.6% 9.7% 9.0% 9.9%
1.1% 1.3% 1.2% 1.2% 1.2% 1.4% 0.9% 0.9% 0.8% 0.9%
Balance and payout
n/a n/a n/a n/a n/a 0.13 0.17 0.16 0.15 n/a
89.4% 89.3% 86.8% 86.9% 88.6% 89.1% 91.1% 90.7% 90.8% 90.9%
13.4% 12.3% 18.0% 19.5% 20.5% 17.2% 27.3% 29.6% 32.9% 27.5%
19.0% 51.7% 18.6% 44.0% 46.7% 85.4% 39.3% 54.1% 103.8% 44.5%