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SB Financial Group, Inc.

NASDAQ•SBFG
CEO: Mr. Mark A. Klein
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
401 Clinton Street, P O Box 467, Defiance, OH, 43512, United States
419-783-8950
ir.yourstatebank.com/corporate-profile/default.aspx
市值
$130.00M
市盈率 (TTM)
9.2
14.1
股息率
3.0%
52周最高
$23.93
52周最低
$17.10
52周范围
52%
排名39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.2 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$23.10M+7.91%
近4季度走势

每股收益

$0.63+12.50%
近4季度走势

自由现金流

$0.00+0.00%
近4季度走势

2025 Q3 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

FGBI stock ticker logoFGBI
$220.51M
-9.9%
EBMT stock ticker logoEBMT
$125.98M
+4.6%
SBFG stock ticker logoSBFG
$91.15M
+12.0%

毛利率 (最新季度)

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

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
RBKB$183.23M17.87.7%2.3%
FCAP$177.82M10.89.2%0.0%
EBMT$174.95M11.68.1%3.9%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
2.5%
温和增长
4季度净利润复合增长率
22.0%
盈利能力强劲提升
现金流稳定性
50%
现金流需要关注

深度研究

下次财报:2026年4月23日
|
每股收益:$0.60
|
营业收入:-
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新闻
利润表
资产负债表
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财务比率
变化率
利润表
过去12个月
无数据