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
市值
$142.06M
市盈率 (TTM)
10.1
15.6
股息率
2.7%
52周最高
$23.93
52周最低
$17.10
52周范围
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
$22.98M+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
$5.90M+0.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
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.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$220.51M
$125.98M
$91.03M
毛利率 (最新季度)
76.9%
74.8%
71.6%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| FCAP | $182.45M | 11.1 | 12.7% | 0.0% |
| EBMT | $176.91M | 11.7 | 8.1% | 3.9% |
| RBKB | $171.23M | 16.6 | 7.7% | 2.3% |
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
2.3%
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
75%
现金流波动较大
深度研究
下次财报:2026年4月23日
每股收益:$0.60
|营业收入:$12.60M
财务数据
电话会议
财务报告
新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
|---|
无数据