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SB Financial Group, Inc.

NASDAQ•SBFG
CEO: Mr. Mark A. Klein
セクター: Financial Services
業種: Banks - Regional
上場日: 1999-01-04
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.
連絡先情報
401 Clinton Street, P O Box 467, Defiance, OH, 43512, United States
419-783-8950
ir.yourstatebank.com/corporate-profile/default.aspx
時価総額
$127.75M
PER (TTM)
9.1
14.4
配当利回り
3.0%
52週高値
$23.93
52週安値
$17.10
52週レンジ
46%
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$23.25M+7.91%
直近4四半期の推移

EPS

$0.63+12.50%
直近4四半期の推移

フリーCF

$5.90M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Rises 21.8% Net income reached $14.0M in 2025, driven by strong NII growth of 21.4% to $48.5M.
NIM Significantly Improves Fully Tax Equivalent Net Interest Margin expanded to 3.47% in 2025, up from 3.06% in 2024 due to balance sheet growth.
Loan and Deposit Growth Strong Total loans grew 12.8% to $1.18B by year-end 2025, supported by the Marblehead acquisition and increased lending.
Successful Marblehead Acquisition Acquired Marblehead Bank in January 2025 for $5.0M cash, expanding presence in Northwest Ohio markets.

リスク要因

Increased Credit Loss Provision Provision for credit losses surged to $1.31M in 2025 from $0.12M in 2024, reflecting higher expected credit losses.
Capital Ratios Moderately Decline Tier 1 Common Equity ratio decreased to 11.78% in 2025 from 13.43% in 2024, despite remaining well capitalized.
Operational Risks Remain High Significant exposure exists from reliance on complex information systems and constant threat of cybersecurity incidents.
Interest Rate Risk Exposure Management actively manages interest rate risk, but adverse rate changes could compress net interest income spread further.

見通し

Top Decile Performance Goal Strategic goal remains achieving top decile performance (>90th percentile) ROAA through diversification and operational excellence.
Continued Diversification Focus Plans emphasize increasing noninterest income streams, which grew only 0.5% in 2025, through fee-based product expansion.
Technology Investment Necessary Future success depends on ability to implement new technology to compete, despite competitors having greater investment resources.
Regulatory Compliance Costs Ongoing scrutiny regarding ESG practices and evolving federal regulations require continuous monitoring and compliance efforts.

同業比較

売上高 (TTM)

FGBI stock ticker logoFGBI
$220.51M
-9.9%
EBMT stock ticker logoEBMT
$125.98M
+4.6%
SBFG stock ticker logoSBFG
$91.29M
+12.2%

粗利益率 (最新四半期)

FCAP stock ticker logoFCAP
76.9%
+4.2pp
EBMT stock ticker logoEBMT
74.8%
+6.8pp
RVSB stock ticker logoRVSB
71.6%
+2.7pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
RBKB$178.44M17.37.7%2.3%
EBMT$167.11M11.18.1%3.9%
FCAP$157.86M9.69.2%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.7%
緩やかな成長
4四半期純利益CAGR
22.0%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日
|
EPS:$0.60
|
売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし