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SB Financial Group Announces First Quarter 2025 Results
Thu 01 May 25, 08:15 PMSB Financial Group, Inc. Announces Schedule for First Quarter 2025 Results
Fri 04 Apr 25, 01:00 PMSB Financial Group Announces Fourth Quarter 2024 Results
Thu 23 Jan 25, 09:15 PMSB Financial Group Announces Completion of Acquisition of Marblehead Bancorp
Fri 17 Jan 25, 04:00 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 15.31M | 22.72M | 18.44M | 14.63M | 14.44M |
| Minority interest | - | - | - | - | - |
| Net income | 12.52M | 18.28M | 14.94M | 11.97M | 11.64M |
| Selling general administrative | 24.75M | 27.50M | 25.93M | 22.86M | 21.53M |
| Selling and marketing expenses | 0.91M | 0.78M | 0.66M | 0.90M | 0.88M |
| Gross profit | 57.63M | 68.58M | 66.03M | 52.84M | 49.89M |
| Reconciled depreciation | 4.01M | 6.22M | 6.75M | 4.01M | 2.93M |
| Ebit | 19.56M | 22.72M | 18.44M | 14.63M | 20.66M |
| Ebitda | 23.58M | 28.94M | 25.18M | 18.64M | 23.59M |
| Depreciation and amortization | 4.01M | 6.22M | 6.75M | 4.01M | 2.93M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 19.56M | 22.72M | 18.44M | 14.63M | 20.66M |
| Other operating expenses | 4.12M | -45.85800M | -47.58700M | -38.21000M | 29.23M |
| Interest expense | 5.17M | 4.02M | 6.71M | 9.57M | 6.21M |
| Tax provision | 2.79M | 4.45M | 3.50M | 2.66M | 2.81M |
| Interest income | 44.57M | 41.90M | 42.63M | 44.40M | 39.48M |
| Net interest income | 39.40M | 37.88M | 35.93M | 34.83M | 33.27M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 2.79M | 4.45M | 3.50M | 2.66M | 2.81M |
| Total revenue | 57.63M | 68.58M | 66.03M | 52.84M | 49.89M |
| Total operating expenses | 4.12M | -45.85800M | -47.58700M | -38.21000M | -29.23500M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -4.24900M | -4.02000M | -6.70500M | -9.57400M | -6.21200M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 12.52M | 18.28M | 14.94M | 11.97M | 11.64M |
| Net income applicable to common shares | 12.52M | 18.28M | 14.94M | 11.02M | 10.66M |
| Preferred stock and other adjustments | - | - | - | 0.95M | 0.97M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1343.25M | 1335.63M | 1330.86M | 1257.84M | 1038.58M |
| Intangible assets | 13.91M | 13.50M | 12.03M | 7.76M | 11.02M |
| Earning assets | - | - | - | - | 115.70M |
| Other current assets | 29.67M | -29.94752M | 590.83M | 755.31M | 754.28M |
| Total liab | 1218.91M | 1217.20M | 1185.93M | 1114.92M | 902.48M |
| Total stockholder equity | 124.34M | 118.43M | 144.93M | 142.92M | 136.09M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 797.55M | -15.69200M | -15.61900M | -0.61600M | -1.19100M |
| Common stock | 61.32M | 61.32M | 54.46M | 54.46M | 54.46M |
| Capital stock | 61.32M | 61.32M | 54.46M | 54.46M | 54.46M |
| Retained earnings | 108.49M | 101.97M | 99.72M | 84.58M | 72.70M |
| Other liab | - | 17.85M | 21.91M | 26.79M | 18.69M |
| Good will | 22.82M | 23.24M | 23.19M | 22.09M | 17.83M |
| Other assets | - | 1046.69M | 590.83M | 755.31M | 754.28M |
| Cash | 24.50M | 29.95M | 152.15M | 146.51M | 27.06M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 872.03M | 2.79M | 15.62M | 0.62M | 1.19M |
| Current deferred revenue | -2.44300M | - | - | - | - |
| Net debt | 102.44M | 64.57M | -111.78800M | -138.51300M | -11.06400M |
| Short term debt | 74.49M | 14.92M | 15.32M | - | 8.00M |
| Short long term debt | - | 14.92M | 15.32M | - | 8.00M |
| Short long term debt total | 126.94M | 94.52M | 40.37M | 8.00M | 16.00M |
| Other stockholder equity | -15.63200M | -12.73700M | -7.40500M | 1.67M | 8.27M |
| Property plant equipment | - | 22.83M | 23.21M | 23.56M | 23.39M |
| Total current assets | 29.67M | 242.87M | 418.33M | 299.72M | 131.12M |
| Long term investments | 219.71M | 238.78M | 263.26M | 7.23M | 7.26M |
| Net tangible assets | - | 95.19M | 121.74M | 120.83M | 118.26M |
| Short term investments | 219.71M | 238.78M | 263.26M | 149.41M | 100.95M |
| Net receivables | 4.66M | 4.09M | 2.92M | 3.80M | 3.11M |
| Long term debt | 103.24M | 79.59M | 25.05M | 10.31M | 10.31M |
| Inventory | -27.62200M | 0.78M | 2.10M | 0.02M | 0.30M |
| Accounts payable | 2.44M | 0.77M | 0.30M | 0.62M | 1.19M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -29.83100M | -32.12000M | -1.84500M | 2.21M | 0.66M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 61.32M | 54.46M | 54.46M | 54.46M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 101.97M | 99.72M | 84.58M | 72.70M |
| Treasury stock | - | -27.82400M | -22.34900M | -13.17300M | -6.75500M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 51.34M | -252.28300M | -321.69600M | -202.81300M | -153.18200M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1313.58M | 46.07M | 321.70M | 202.81M | 153.18M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 10.31M | 10.31M | 10.31M | 10.31M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -155.43300M | -71.72000M | -78.01900M | -63.31700M | -85.93200M |
| Change to liabilities | 5.87M | -6.74300M | 6.62M | 10.65M | 2.89M |
| Total cashflows from investing activities | -165.67100M | -71.98800M | -57.21600M | -67.61400M | -87.58700M |
| Net borrowings | 54.10M | -4.86900M | -0.75600M | -2.23900M | -2.39800M |
| Total cash from financing activities | 18.41M | 63.55M | 146.94M | 27.49M | 95.48M |
| Change to operating activities | 3.85M | -4.73700M | 1.41M | 6.97M | 2.33M |
| Net income | 12.52M | 18.28M | 14.94M | 11.97M | 11.64M |
| Change in cash | -121.69400M | 8.82M | 113.63M | -21.29900M | 21.75M |
| Begin period cash flow | 149.51M | 140.69M | 27.06M | 48.36M | 26.62M |
| End period cash flow | 27.82M | 149.51M | 140.69M | 27.06M | 48.36M |
| Total cash from operating activities | 25.57M | 17.26M | 23.91M | 18.83M | 13.85M |
| Issuance of capital stock | - | - | 0.00000M | 0.14M | 27.91M |
| Depreciation | 4.01M | 6.22M | 6.75M | 4.01M | 2.93M |
| Other cashflows from investing activities | -8.34200M | 2.16M | 22.78M | -2.25400M | 0.34M |
| Dividends paid | -3.41500M | -3.13900M | -3.07000M | -3.28100M | 3.06M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -1.17100M | 0.88M | -0.69300M | -0.28400M | -0.99700M |
| Sale purchase of stock | -5.90000M | -9.52000M | -7.16600M | -5.05100M | -0.10900M |
| Other cashflows from financing activities | 205.22M | 78.71M | 165.17M | 35.68M | 86.25M |
| Change to netincome | 5.46M | -4.61600M | 0.86M | -3.94900M | -2.33500M |
| Capital expenditures | 1.90M | 2.43M | 1.98M | 2.04M | 2.00M |
| Change receivables | -1.17100M | 0.88M | -0.69300M | -0.28400M | -0.99700M |
| Cash flows other operating | 10.51M | 20.28M | -5.20900M | -3.88600M | -0.63200M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | -121.69400M | 8.82M | 113.63M | -21.29900M | 21.75M |
| Change in working capital | 2.68M | -3.85800M | 0.72M | 6.68M | 1.33M |
| Stock based compensation | 0.57M | 0.44M | 0.38M | 0.42M | 0.28M |
| Other non cash items | 3.08M | -6.12500M | 3.56M | -3.97900M | -2.65200M |
| Free cash flow | 23.67M | 14.83M | 21.93M | 16.79M | 11.85M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | |
|---|---|---|---|---|---|---|---|
| SBFG SB Financial Group Inc |
0.65 2.92% | 22.89 | 8.29 | 8.80 | 1.64 | 0.72 | |
| HDB HDFC Bank Limited ADR |
0.28 1.22% | 23.29 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.27 0.88% | 30.44 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.16 0.32% | 50.61 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
401 Clinton Street, Defiance, OH, United States, 43512
| Name | Title | Year Born |
|---|---|---|
| Mr. Mark A. Klein | Chairman, Pres & CEO | 1955 |
| Mr. Anthony V. Cosentino | Exec. VP & CFO | 1962 |
| Mr. David A. Homoelle | Regional Pres of Columbus | NA |
| Mr. J. Ernesto Gaytan | Exec. VP and Chief Technology Innovation & Operations Officer | 1972 |
| Scott A. Armey | Sr. VP & HR Mang. | NA |
| Ms. Keeta J. Diller | Exec. VP, Chief Risk Officer & Corp. Sec. | 1957 |
| Mr. Steven A. Walz | Exec. VP & Chief Lending Officer | 1971 |
| Melissa Martin | Exec. of Investor Relations | NA |
| Mr. Mark A. Klein | Chairman, President & CEO | 1955 |
| Mr. Anthony V. Cosentino | Executive VP & CFO | 1962 |
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