SB FINANCIAL GROUP, INC.(SBFG)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
SBFG Stock Analysis & AI Quality Score
AI stock analysis and institutional research for SB FINANCIAL GROUP, INC. (SBFG), a Financials sector company. SBFG is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), SB FINANCIAL GROUP, INC. reports quarterly revenue of $17.4M, net income of $4.3M, an operating margin of 30.3%. Top institutional holders of SBFG by reported 13-F value include MANUFACTURERS LIFE INSURANCE COMPANY, THE, BlackRock,, Cutler Capital Management,, based on the most recent SEC filings. SBFG trades on the Nasdaq exchange and files with the SEC under CIK 767405. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SBFG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SB FINANCIAL GROUP, INC. directly from SEC EDGAR.
Revenue
Q1 2026
$17.4M
Net Income
Q1 2026
$4.3M
Free Cash Flow
Q1 2026
$-3.2M
Operating Margin
Q1 2026
30.3%
ROIC
Q1 2026
3.7%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+21.8% YoYEPS (Diluted)
+27.3% YoYTotal Assets
+12.0% YoYTotal Debt
-69.5% YoYOp. Cash Flow
+154.4% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Income | $14.0M +21.8% | $11.5M -5.2% | $12.1M -3.4% | $12.5M -31.5% | $18.3M +22.3% | $14.9M |
| EPS (Diluted) | $2.19 +27.3% | $1.72 -1.7% | $1.75 -1.1% | $1.77 -30.9% | $2.56 +30.6% | $1.96 |
| Total Assets | $1.55B +12.0% | $1.38B +2.7% | $1.34B +0.6% | $1.34B +0.4% | $1.33B +5.8% | $1.26B |
| Total Debt | $9.2M -69.5% | $30.3M -8.3% | $33.0M -4.3% | $34.5M -1.0% | $34.9M +72.7% | $20.2M |
| Operating Cash Flow | $24.0M +154.4% | $9.5M -32.4% | $14.0M -45.3% | $25.6M +48.2% | $17.3M -27.8% | $23.9M |
AI Insight: SBFG Financial Trends
SB Financial Group shows stable earnings but erratic cash flow with significant debt reduction over the past year.
• Total debt decreased sharply from $30M in Q4 2024 to $9M in Q1 2026, a 70% reduction.
• Equity grew steadily from $128M in Q4 2024 to $144M in Q1 2026.
• Net income remained stable at $4M across most recent quarters after dipping to $2M in Q1 2025.
⚠ Operating cash flow turned negative to -$3M in Q1 2026 after positive $8M in Q4 2025.
⚠ Cash flow volatility persists with swings from -$4M to $13M across recent quarters.
AI Insight: SBFG Ratio Trends
SBFG recovered from Q1 2025 profitability dip with ROE climbing back to 12.0% and ROIC to 13.8% by Q1 2026.
• ROE rebounded from 6.6% trough in Q1 2025 to 12.0% in Q1 2026, near historical levels.
• ROIC improved from 7.3% low in Q1 2025 to 13.8% in Q1 2026, showing operational recovery.
• D/E ratio remained consistently low at 0.07-0.08 range through 2025-2026, indicating stable leverage.
⚠ TTM ROE of 11.2% trails latest quarterly pace of 12.0%, suggesting recent improvement may face headwinds.
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Available Research
13F Pro tracks comprehensive data for SB FINANCIAL GROUP, INC. including:
Top Institutional Holders of SBFG
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$9.9M470,502 shBlackRock, Inc.
$8.3M394,864 shCutler Capital Management, LLC
$8.2M390,137 shVANGUARD CAPITAL MANAGEMENT LLC
$6.3M297,734 shSTRATEGIC VALUE BANK PARTNERS LLC
$5.8M274,163 shDIMENSIONAL FUND ADVISORS LP
$4.2M197,772 shPetiole USA ltd
$3.5M168,818 shPinnacle Holdings, LLC
$3.3M156,910 shGEODE CAPITAL MANAGEMENT, LLC
$2.9M139,078 shGOLDMAN SACHS GROUP INC
$1.8M85,547 sh
| Fund | Value | Shares |
|---|---|---|
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $9.9M | 470,502 |
| BlackRock, Inc. | $8.3M | 394,864 |
| Cutler Capital Management, LLC | $8.2M | 390,137 |
| VANGUARD CAPITAL MANAGEMENT LLC | $6.3M | 297,734 |
| STRATEGIC VALUE BANK PARTNERS LLC | $5.8M | 274,163 |
| DIMENSIONAL FUND ADVISORS LP | $4.2M | 197,772 |
| Petiole USA ltd | $3.5M | 168,818 |
| Pinnacle Holdings, LLC | $3.3M | 156,910 |
| GEODE CAPITAL MANAGEMENT, LLC | $2.9M | 139,078 |
| GOLDMAN SACHS GROUP INC | $1.8M | 85,547 |
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Popular Research
Is SBFG a good stock to buy?
13F Pro's AI-powered analysis of SB FINANCIAL GROUP, INC. (SBFG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SBFG are available on the SBFG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SBFG?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SBFG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SB FINANCIAL GROUP, INC.'s investment landscape.