SB Financial Group, Inc. (SBFG)
Financials · Community banking and bank holding companies · Nasdaq
A community bank holding company focused on real estate lending and retail deposits in Ohio's Northwest and Central regions, generating 35% YoY revenue growth with a 20.8% net margin.
What SB Financial Group, Inc. does
SB Financial Group, Inc. is a bank holding company that operates State Bank, providing community banking services across Northwest and Central Ohio. The company offers traditional deposit products (demand deposits, savings, money market, and time deposits), commercial and real estate loans, mortgage servicing, wealth management, and customer service fees. As of March 2026, the company manages approximately $1.6 billion in total assets with a strong focus on regional lending and deposit gathering activities.
Themes: ["Community banking","Regional banking / Midwest","Real estate lending","Mortgage servicing","Wealth management and advisory","Deposit-based funding"]
Fundamentals
- Price$26.27 as of 2026-07-10 close
- Market cap$165M as of 2026-07-13
- 1-year return+35.1% as of 2026-07-10 close
- P/E10.23 as of 2026-07-13
- Net margin+20.8% as of 2026-07-13
- ROE+11.6% as of 2026-07-13
- Debt / equity0.27 as of 2026-07-13
- Revenue growth (YoY)+34.4% as of 2026-07-13
- Beta0.18 as of 2026-07-13
Dividend: yield +2.4%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration risk: lending and deposit gathering activities are concentrated primarily in Northwest and Central Ohio, making earnings vulnerable to adverse local economic conditions and real estate value declines","Interest rate and economic sensitivity: earnings depend heavily on local and national economic conditions, interest rate changes, unemployment, inflation, and ability of borrowers to repay loans","Credit quality risk: significant real estate loan portfolio means decreases in real estate values could adversely affect collateral values and forecast ability"]
Competitors & peers
- Huntington Bancshares (HBAN)
- First Financial Bancorp (FFBC)
- KeyCorp (KEY)
- Middle West Bancorp
- Citizens Bancorp
Fundamentals: Finnhub, as of 2026-07-13. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-10.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.