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SB Financial Group, Inc.

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
$132.84M
PER (TTM)
9.4
14.8
配当利回り
2.8%
52週高値
$24.22
52週安値
$17.10
52週レンジ
56%
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

$22.98M+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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Nine Month Net Income Rises Net income reached $10.06M for nine months 2025, marking a strong 28.3% increase over the prior year period.
Net Interest Margin Expansion NIM improved significantly to 3.44% for 9M 2025, driven by higher earning asset yields, up 22 basis points YoY.
Asset Base Growth Post-Acquisition Total assets grew $116.7M since year-end to $1.50B, incorporating results from the January 2025 Marblehead acquisition.
Strong Loan Portfolio Quality Asset quality remains strong; non-performing assets ratio decreased to 0.32% of total assets as of September 30, 2025.

リスク要因

Credit Loss Estimation Subjectivity ACL determination relies on subjective forecasts (PD, LGD); actual results differing could require future adverse provisions.
Interest Rate Movement Exposure Primary market risk is interest rate risk; adverse rate changes could compress margins or negatively affect asset quality.
Operational and Cyber Security Risks Significant risk exposure exists from potential failures or breaches in internal/third-party computer systems and cyber-attacks.
Regulatory Compliance Uncertainty Uncertainty exists regarding legislative changes affecting banking oversight, capital standards, and compliance costs.

見通し

Marblehead Acquisition Synergies Expect transaction to result in business synergies and economies of scale, expanding Northwest Ohio presence profitably.
Capital Position Maintained State Bank remains "well capitalized" as of September 30, 2025, meeting all regulatory requirements without reliance on AOCI adjustments.
Funding and Liquidity Strategy Liquidity is centrally managed; adequate resources expected, with FHLB advances available for funding needs.
Ongoing Credit Monitoring Management continuously evaluates loan portfolio risk based on economic forecasts and specific borrower conditions for ACL adequacy.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Eagle Bancorp Montana, Inc.EBMT
$125.98M
+4.6%
SB Financial Group, Inc.SBFG
$91.03M
+11.9%

粗利益率 (最新四半期)

First Capital, Inc.FCAP
76.9%
+4.2pp
Eagle Bancorp Montana, Inc.EBMT
74.8%
+6.8pp
Riverview Bancorp, Inc.RVSB
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
EBMT$180.20M11.98.1%3.9%
FCAP$178.12M10.89.2%0.0%
RBKB$171.09M16.67.7%2.3%

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
2.3%
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
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月29日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $23.05M+11.5%
    |
    EPS: $0.64+82.9%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $23.52M+17.3%
    |
    EPS: $0.60+30.4%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $21.48M+11.6%
    |
    EPS: $0.33-5.7%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月7日|
    売上高: $81.37M+7.2%
    |
    EPS: $1.72-2.8%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $20.67M+9.0%
    |
    EPS: $0.35-12.5%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $20.04M+6.8%
    |
    EPS: $0.46+2.2%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $19.25M+10.1%
    |
    EPS: $0.35+0.0%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月8日|
    売上高: $75.87M+20.8%
    |
    EPS: $1.77-1.1%
    予想を上回る