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
Website
CEO
Mark Klein
Employees
Incorporated
Location
Fiscal year end
Sector
Industry (SIC)
Former names
RURBAN FINANCIAL CORP
SEC CIK
Corporate docs
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
Investment data
Securities sold
Number of investors
Calendar
5 Aug 22
9 Aug 22
31 Dec 22
Financial summary
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Diluted EPS |
Annual (USD) | Dec 21 | Dec 20 | Dec 19 | Dec 18 | |
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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 |
Recent insider trades
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 |
Institutional ownership, Q1 2022
15.0% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 37 |
Opened positions | 35 |
Closed positions | 1 |
Increased positions | 1 |
Reduced positions | 0 |
13F shares | Current |
---|---|
Total value | 75.11M |
Total shares | 3.8M |
Total puts | 0 |
Total calls | 0 |
Total put/call ratio | – |
Largest owners | Shares | Value |
---|---|---|
Manufacturers Life Insurance Company, The | 489.18K | $9.74M |
Alliancebernstein | 483.57K | $9.63M |
MFC Manulife Financial | 462.11K | $8.66M |
Cutler Capital Management | 397.99K | $7.92M |
Strategic Value Bank Partners | 306.22K | $6.1M |
Vanguard | 304.86K | $6.07M |
Punch & Associates Investment Management | 281.35K | $5.6M |
TFO USA | 265.71K | $5.29M |
FJ Capital Management | 164K | $3.27M |
Dimensional Fund Advisors | 147.23K | $2.93M |
Content analysis
?Positive | ||
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Readability |
H.S. freshman Avg
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New words:
connection, equipment, escrow, extension, half, improvement, nonvested, proportionately, reclassification, recognition, REPO, Vintage
Removed:
coupled, event, final, FTE, met, standard, subsequently
Financial reports
Current reports
8-K
Second Quarter 2022 Financial Results Conference Call Script
1 Aug 22
8-K
SB Financial Group Announces Second Quarter 2022 Results
26 Jul 22
8-K
SB Financial Group Declares Quarterly Cash Dividend
25 Jul 22
8-K
First Quarter 2022 Conference Call and Webcast
3 May 22
8-K
SB Financial Group Announces First Quarter 2022 Results
29 Apr 22
8-K
SB Financial Group Declares Quarterly Cash Dividend
26 Apr 22
8-K
Submission of Matters to a Vote of Security Holders
25 Apr 22
8-K
Regulation FD Disclosure
20 Apr 22
8-K
Results of Operations and Financial Condition
1 Feb 22
8-K
SB Financial Group Announces Fourth Quarter Results and Record Full Year 2021 earnings
31 Jan 22
Registration and prospectus
25-NSE
Exchange delisting
27 Dec 19
D
$138.82K in equity, sold $138.82K, 2 investors
22 Mar 19
424B5
Prospectus supplement for primary offering
11 Feb 18
FWP
Free writing prospectus
8 Feb 18
424B5
Prospectus supplement for primary offering
4 Feb 18
FWP
Free writing prospectus
4 Feb 18
S-8
Registration of securities for employees
20 Aug 17
S-3
Shelf registration
6 Apr 17
8-A12B
Registration of securities on exchange
10 Dec 14
Other
EFFECT
Notice of effectiveness
2 Sep 20
CORRESP
Correspondence with SEC
27 Aug 20
UPLOAD
Letter from SEC
27 Aug 20
EFFECT
Notice of effectiveness
18 Apr 17
CORRESP
Correspondence with SEC
16 Apr 17
UPLOAD
Letter from SEC
11 Apr 17
EFFECT
Notice of effectiveness
9 Nov 14
EFFECT
Notice of effectiveness
16 Jan 14
Ownership
4
SB FINANCIAL / TIMOTHY J. STOLLY ownership change
8 Aug 22
4
SB FINANCIAL / WILLIAM G MARTIN ownership change
8 Aug 22
4
SB FINANCIAL / Rita A Kissner ownership change
8 Aug 22
4
SB FINANCIAL / TOM R HELBERG ownership change
8 Aug 22
4
SB FINANCIAL / RICHARD L HARDGROVE ownership change
8 Aug 22
4
SB FINANCIAL / GAYLYN J FINN ownership change
8 Aug 22
4
SB FINANCIAL / JR ROBERT A FAWCETT ownership change
8 Aug 22
4
SB FINANCIAL / TIMOTHY L. CLAXTON ownership change
8 Aug 22
4
SB FINANCIAL / GEORGE W CARTER ownership change
8 Aug 22
4
SB FINANCIAL / RICHARD L HARDGROVE ownership change
5 Jul 22
Transcripts
2022 Q2
Earnings call transcript
26 Jul 22
2022 Q1
Earnings call transcript
30 Apr 22
2021 Q4
Earnings call transcript
28 Jan 22
2021 Q3
Earnings call transcript
30 Oct 21
2021 Q2
Earnings call transcript
27 Jul 21
2021 Q1
Earnings call transcript
3 May 21
2020 Q4
Earnings call transcript
29 Jan 21
2020 Q3
Earnings call transcript
1 Nov 20
2020 Q3
Earnings call transcript
1 Nov 20
2020 Q3
Earnings call transcript
1 Nov 20
Reddit threads
Daily Discussion Thread - July 25th, 2022
25 Jul 22
Daily Discussion Thread - July 22nd, 2022
22 Jul 22
Daily Discussion Thread - May 12th, 2022
12 May 22
Daily Discussion Thread - May 11th, 2022
11 May 22
Daily Discussion Thread - April 28th, 2022
28 Apr 22
Daily Discussion Thread - April 27th, 2022
27 Apr 22
Daily Discussion Thread - April 26th, 2022
26 Apr 22
Daily Discussion Thread - April 25th, 2022
25 Apr 22
Daily Discussion Thread - February 10th, 2022
10 Feb 22
Daily Discussion Thread - February 9th, 2022
9 Feb 22