SB Financial Group, Inc.
NASDAQ•SBFG
執行長: Mr. Mark A. Klein
板塊: Financial Services
行業: 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.
聯絡資訊
401 Clinton Street, P O Box 467, Defiance, OH, 43512, United States
419-783-8950
市值
$125.29M
本益比 (TTM)
8.9
14.5
股息率
3.1%
52周最高
$23.93
52周最低
$17.10
52周範圍
排名39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
一般 • 4.2 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025
財務儀表板
Q4 2025 數據
營業收入
$23.25M+7.91%
近4季度走勢
每股收益
$0.63+12.50%
近4季度走勢
自由現金流
$5.90M+0.00%
近4季度走勢
2025 Annual 財報亮點
核心亮點
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.
關注風險
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.
未來展望
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.
同行對比
營業收入 (TTM)
$220.51M
$125.98M
$91.29M
毛利率 (最新季度)
76.9%
74.8%
71.7%
關鍵指標
股票代碼 | 市值 | 本益比 (TTM) | 股東權益報酬率 (TTM) | 負債率 |
|---|---|---|---|---|
| RBKB | $178.44M | 17.3 | 7.7% | 2.3% |
| EBMT | $165.44M | 11.1 | 8.1% | 3.9% |
| FCAP | $156.78M | 9.6 | 9.2% | 0.0% |
長期趨勢
近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
2.7%
溫和增長
4季度淨利複合增長率
22.0%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大
深度研究
下次財報:2026年4月23日
每股收益:$0.60
|營業收入:-
財務數據
電話會議
財務報告
新聞
損益表
資產負債表
現金流量表
財務比率
變化率
損益表 | 過去12個月 |
|---|
無資料