SB Financial (SBFG)

Headquartered in Defiance, Ohio, SB Financial is a diversified financial services holding company for the State Bank & Trust Company (State Bank) and SBFG Title, LLC dba Peak Title (Peak Title). State Bank provides a full range of financial services for consumers and small businesses, including wealth management, private client services, mortgage banking and commercial and agricultural lending, operating through a total of 22 offices; 21 in nine Ohio counties and one in Fort Wayne, Indiana, and 23 full-service ATMs. State Bank has five loan production offices located throughout the Tri-State region of Ohio, Indiana and Michigan. Peak Title provides title insurance and opinions throughout the Tri-State region. SB Financial's common stock is listed on the NASDAQ Capital Market under the symbol 'SBFG'. In May 2020, SB Financial was ranked #125 on the American Banker Magazine's list of Top 200 Publicly Traded Community Banks and Thrifts based on three-year average return on equity ('ROE').

Company profile

Ticker

SBFG

Exchange

NASDAQ

Website

www.yoursbfinancial.com

CEO

Mark Klein

Incorporated

Ohio

Location

Ohio

Fiscal year end

Dec 31

Sector

Finance and Insurance > Commercial Banking

Industry (SIC)

State Commercial Banks

Bank Of New York Mellon • State Street • Citizens Financial • Northern Trust • M & T Bank • Popular • Fifth Third Bancorp • Associated Banc-Corp. • First Citizens Bancshares, Inc • SVB Financial ...

Former names

RURBAN FINANCIAL CORP

SEC CIK

0000767405

Corporate docs

Articles of Incorporation & Bylaws

Underwriting Agreements

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

Subsidiaries Lists

Subsidiaries

The State Bank and Trust Company • SBFG Title, LLC • SBFG Mortgage, LLC • RFCBC, Inc • SB Captive, Inc • Rurban Mortgage Company • SBT Insurance, LLC • Rurbanc Data Services, Inc. • NC Merger Corp. ...

IRS number

341395608

SBFG stock data

1M 1Y 5Y

News

From Benzinga Pro

SB Financial Group Q2 EPS $0.37 Beats $0.33 Estimate

25 Jul 22

SB Financial Group (NASDAQ:SBFG) reported quarterly earnings of $0.37 per share which beat the analyst consensus estimate of $0.33 by 12.12 percent. This is a 26 percent decrease over earnings of $0.50 per share from the

Earnings Scheduled For July 25, 2022

25 Jul 22

Companies Reporting Before The Bell • Lakeland Financial (NASDAQ:LKFN) is estimated to report quarterly earnings at $0.95 per share on revenue of $59.26 million.

Earnings Outlook For SB Financial Group

22 Jul 22

SB Financial Group (NASDAQ:SBFG) is set to give its latest quarterly earnings report on Monday, 2022-07-25. Here's what investors need to know before the announcement. Analysts estimate that SB Financial Group will report an earnings per share (EPS) of $0.33.

Overview Of Value Stocks In The Financial Services Sector

19 May 22

Stocks That Hit 52-Week Lows On Wednesday

18 May 22

Press releases

From Benzinga Pro

SB Financial Group Announces Second Quarter 2022 Results

25 Jul 22

DEFIANCE, Ohio, July 25, 2022 (GLOBE NEWSWIRE) -- SB Financial Group, Inc. (NASDAQ:SBFG) ("SB Financial" or the "Company"), a diversified financial services company providing full-service community banking, mortgage

Investment data

Data from SEC filings

Securities sold

Number of investors

Calendar

5 Aug 22

9 Aug 22

31 Dec 22

Financial summary

Financial statements Chart SBFG financial data

Quarter (USD)	Jun 22	Mar 22	Dec 21	Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 21	Dec 20	Dec 19	Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	29.57M	29.57M	29.57M	29.57M	29.57M	29.57M
Cash burn (monthly)	33.48M	10.45M	4.74M	131.75K	(no burn)	(no burn)
Cash used (since last report)	44.92M	14.02M	6.36M	176.77K	n/a	n/a
Cash remaining	-15.35M	15.54M	23.21M	29.39M	n/a	n/a
Runway (months of cash)	-0.5	1.5	4.9	223.1	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Recent insider trades

SBFG insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
5 Aug 22	Carter George W	COMMON STOCK	Grant	Acquire A	No	No	16.85	1,000	16.85K	10,561
5 Aug 22	Timothy L. Claxton	COMMON STOCK	Grant	Acquire A	No	No	16.85	1,000	16.85K	1,175
5 Aug 22	JR Robert A Fawcett	COMMON STOCK	Grant	Acquire A	No	No	16.85	1,000	16.85K	21,399
5 Aug 22	Gaylyn J Finn	COMMON STOCK	Grant	Acquire A	No	No	16.85	1,000	16.85K	4,000
5 Aug 22	Richard L Hardgrove	COMMON STOCK	Grant	Acquire A	No	No	16.85	1,000	16.85K	17,328

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

Institutional ownership, Q1 2022

SBFG institutional ownership history Ownership history

15.0% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	37	3	+1133.3%
Opened positions	35	0	NEW
Closed positions	1	36	-97.2%
Increased positions	1	2	-50.0%
Reduced positions	0	1	EXIT

13F shares	Current	Prev Q	Change
Total value	75.11M	16.41M	+357.7%
Total shares	3.8M	1.33M	+185.2%
Total puts	0	0
Total calls	0	0
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
Manufacturers Life Insurance Company, The	489.18K	$9.74M	NEW
Alliancebernstein	483.57K	$9.63M	+5.9%
MFC Manulife Financial	462.11K	$8.66M	0.0%
Cutler Capital Management	397.99K	$7.92M	NEW
Strategic Value Bank Partners	306.22K	$6.1M	NEW
Vanguard	304.86K	$6.07M	NEW
Punch & Associates Investment Management	281.35K	$5.6M	NEW
TFO USA	265.71K	$5.29M	NEW
FJ Capital Management	164K	$3.27M	NEW
Dimensional Fund Advisors	147.23K	$2.93M	NEW

Largest transactions	Shares	Bought/sold	Change
Manufacturers Life Insurance Company, The	489.18K	+489.18K	NEW
EJF Capital	0	-413.85K	EXIT
Cutler Capital Management	397.99K	+397.99K	NEW
Strategic Value Bank Partners	306.22K	+306.22K	NEW
Vanguard	304.86K	+304.86K	NEW
Punch & Associates Investment Management	281.35K	+281.35K	NEW
TFO USA	265.71K	+265.71K	NEW
FJ Capital Management	164K	+164K	NEW
Dimensional Fund Advisors	147.23K	+147.23K	NEW
Millennium Management	64.63K	+64.63K	NEW

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Avg

New words: connection, equipment, escrow, extension, half, improvement, nonvested, proportionately, reclassification, recognition, REPO, Vintage

Removed: coupled, event, final, FTE, met, standard, subsequently

From filing 10-Q 2022 Q2

Financial reports

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