SBFG
SB Financial Group Inc
NASDAQ: SBFG · FINANCIAL SERVICES · BANKS - REGIONAL
$20.84
-1.93% today
Updated 2026-04-30
Market cap
$141.15M
P/E ratio
10.26
P/S ratio
2.13x
EPS (TTM)
$2.19
Dividend yield
2.73%
52W range
$17 – $24
Volume
0.0M
SB Financial Group Inc (SBFG) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $54.73M | $59.87M | $60.60M | $61.90M | $50.38M | $41.37M | $40.97M | $38.89M | $37.23M | $41.63M | $46.94M | $49.70M | $56.10M | $62.42M | $72.73M | $72.60M | $62.80M | $75.87M | $81.37M | $91.03M |
| Revenue growth (YoY) | — | +9.4% | +1.2% | +2.1% | -18.6% | -17.9% | -1.0% | -5.1% | -4.3% | +11.8% | +12.7% | +5.9% | +12.9% | +11.3% | +16.5% | -0.2% | -13.5% | +20.8% | +7.2% | +11.9% |
| Cost of revenue | $16.11M | $18.74M | $15.83M | $17.33M | $20.19M | $8.79M | $6.74M | $4.93M | $3.93M | $3.68M | $3.95M | $4.49M | $6.81M | $10.37M | $11.21M | $5.07M | $5.17M | $19.19M | $24.55M | $26.77M |
| Gross profit | $38.61M | $41.13M | $44.77M | $44.57M | $30.19M | $32.57M | $34.23M | $33.96M | $33.30M | $37.95M | $42.99M | $45.20M | $49.29M | $52.04M | $61.53M | $67.53M | $57.63M | $56.68M | $56.81M | $64.25M |
| Gross margin | 70.6% | 68.7% | 73.9% | 72.0% | 59.9% | 78.7% | 83.5% | 87.3% | 89.4% | 91.2% | 91.6% | 91.0% | 87.9% | 83.4% | 84.6% | 93.0% | 91.8% | 74.7% | 69.8% | 70.6% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $17.56M | $18.09M | $24.38M | $29.05M | $22.16M | $16.03M | $15.83M | $14.05M | $13.67M | $15.46M | $17.97M | $19.44M | $21.53M | $22.86M | $25.93M | $27.50M | $24.75M | $23.41M | $24.34M | $25.84M |
| Operating income | $3.71M | $4.49M | $7.34M | $-277897.00 | $-22.12M | $2.32M | $6.74M | $7.45M | $7.35M | $11.02M | $12.90M | $13.63M | $14.44M | $14.63M | $18.44M | $22.72M | $15.32M | $14.72M | $13.86M | $17.25M |
| Operating margin | 6.8% | 7.5% | 12.1% | -0.4% | -43.9% | 5.6% | 16.5% | 19.1% | 19.7% | 26.5% | 27.5% | 27.4% | 25.7% | 23.4% | 25.4% | 31.3% | 24.4% | 19.4% | 17.0% | 19.0% |
| EBITDA | $7.99M | $9.23M | $11.74M | $5.05M | $-16.82M | $5.59M | $9.94M | $9.93M | $9.23M | $13.20M | $15.76M | $16.33M | $17.38M | $18.64M | $25.18M | $28.94M | $19.33M | $18.28M | $17.41M | $19.45M |
| EBITDA margin | 14.6% | 15.4% | 19.4% | 8.2% | -33.4% | 13.5% | 24.3% | 25.5% | 24.8% | 31.7% | 33.6% | 32.9% | 31.0% | 29.9% | 34.6% | 39.9% | 30.8% | 24.1% | 21.4% | 21.4% |
| EBIT | $3.71M | $4.49M | $7.34M | $-277897.00 | $-22.12M | $2.32M | $6.74M | $7.45M | $7.35M | $11.02M | $12.90M | $13.63M | $14.44M | $14.63M | $18.44M | $22.72M | $15.32M | $14.72M | $13.86M | $17.25M |
| Interest expense | $15.94M | $18.22M | $15.14M | $11.59M | $9.60M | $6.80M | $5.39M | $4.04M | $3.48M | $2.58M | $3.20M | $4.09M | $6.21M | $9.57M | $6.71M | $4.02M | $5.17M | $18.88M | $24.43M | $25.47M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $2.76M | $3.26M | $5.22M | $382491.00 | $-15.61M | $1.66M | $4.81M | $5.21M | $5.26M | $7.62M | $8.78M | $11.06M | $11.64M | $11.97M | $14.94M | $18.28M | $12.52M | $12.10M | $11.47M | $13.97M |
| Net income growth (YoY) | — | +18.0% | +60.2% | -92.7% | -4181.9% | +110.7% | +189.3% | +8.1% | +1.1% | +44.8% | +15.3% | +26.0% | +5.2% | +2.9% | +24.8% | +22.3% | -31.5% | -3.4% | -5.2% | +21.8% |
| Profit margin | 5.0% | 5.4% | 8.6% | 0.6% | -31.0% | 4.0% | 11.8% | 13.4% | 14.1% | 18.3% | 18.7% | 22.3% | 20.7% | 19.2% | 20.5% | 25.2% | 19.9% | 15.9% | 14.1% | 15.4% |