15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Free cash flow has declined 0.5% per year over the past 5 years.
Shareholder returns
Dividends have been paid for 11 consecutive years, consuming 27.5% of earnings and 18.0% of free cash flow.
The dividend has grown 4.6% per year over the past 5 years.
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$14M
—
—
9.9%
0.9%
$21M
—
$72M
2024
—
$11M
—
—
9.0%
0.8%
$8M
$30M
$26M
2023
—
$12M
—
—
9.7%
0.9%
$13M
$33M
$23M
2022
—
$13M
—
—
10.6%
0.9%
$24M
$35M
$28M
2021
—
$18M
—
—
12.6%
1.4%
$15M
$35M
$150M
2020
—
$15M
—
—
10.5%
1.2%
$22M
—
$141M
2019
—
$12M
—
—
8.8%
1.2%
$17M
—
$27M
2018
—
$12M
—
—
8.9%
1.2%
$12M
—
$48M
2017
—
$11M
—
—
11.8%
1.3%
$6M
—
—
2016
—
$9M
—
—
10.1%
1.1%
$12M
—
—
2015
—
$8M
—
—
9.4%
1.0%
$1M
—
—
2014
—
$5M
—
—
7.0%
0.8%
$3M
—
—
2013
—
$5M
—
—
9.3%
0.8%
$13M
$15M
—
2012
—
$5M
—
—
9.0%
0.8%
$7M
$12M
—
2011
—
$2M
—
—
3.5%
0.3%
$14M
$22M
—
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$4M
—
—
3.1%
0.3%
$6M
—
$138M
Mar '26
—
$4M
—
—
3.0%
0.3%
-$3M
—
$126M
Dec '25
—
$4M
—
—
2.8%
0.3%
$8M
—
$72M
Sep '25
—
$4M
—
—
3.0%
0.3%
$12M
—
$85M
Jun '25
—
$4M
—
—
2.9%
0.3%
-$4M
—
$79M
Mar '25
—
$2M
—
—
1.6%
0.1%
$6M
—
$105M
Dec '24
—
$4M
—
—
2.9%
0.3%
$6M
$30M
$26M
Sep '24
—
$2M
—
—
1.8%
0.2%
$3M
$35M
$49M
Jun '24
—
$3M
—
—
2.5%
—
-$833000
—
$22M
Mar '24
—
$2M
—
—
1.9%
—
$149000
—
$27M
Dec '23
—
$4M
—
—
3.1%
0.3%
$7M
$33M
$23M
Sep '23
—
$3M
—
—
2.4%
0.2%
$8M
$36M
$19M
Jun '23
—
$3M
—
—
2.6%
0.2%
$3M
—
$21M
Mar '23
—
$2M
—
—
2.0%
0.2%
-$4M
—
$22M
Dec '22
—
$4M
—
—
3.0%
0.3%
$12M
$35M
$28M
Sep '22
—
$3M
—
—
2.9%
0.3%
$9M
$39M
$28M
Jun '22
—
$3M
—
—
2.3%
0.2%
$5M
$50M
$30M
Mar '22
—
$3M
—
—
2.1%
0.2%
-$2M
$39M
$130M
Dec '21
—
$3M
—
—
2.3%
0.3%
$11M
$35M
$150M
Sep '21
—
$4M
—
—
2.8%
0.3%
$4M
$40M
$138M
Valuation over time
How the market has priced SBFG against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 7.0× (Mar '23) to 13.1× (Sep '26).
The dividend yield has fallen from 3.9% (Mar '23) to 2.1% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is SBFG growing its revenue and profit?
See the revenue and net-income charts above for SB FINANCIAL GROUP, INC.'s multi-year trend.
How much debt does SBFG have?
As of FY2025, SB FINANCIAL GROUP, INC. reported — of total debt against $72M of cash.
What is SBFG's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is SBFG's P/E ratio?
As of Sep '26, SB FINANCIAL GROUP, INC. traded at a price-to-earnings ratio of about 13.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.