SBFG
Neutral signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.12 · operating margin 19% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 3702 titres (~107654 USD)
- Insiders
- HARDGROVE RICHARD L
- Total bought
-
$107,654
Avg buy (VWAP, 90d window) $29.08 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-15
- Last synced
-
2026-09-25 10:23:36
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-15 | HARDGROVE RICHARD L | Buy | 3,702 | $29.08 | $107,654 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signalScored 2026-09-25
SBFG presents a critically weak liquidity profile (current ratio of 0.115, interest coverage below 1.0) that severely undermines the moderate catalyst signal from insider buying and the Zacks upgrade.
The first sentence of the analysis written for SBFG on 2026-09-25 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.6% | 69.8% | 74.7% | 91.8% | 93.0% | |
| Ebit Margin | 19.0% | 17.0% | 19.4% | 24.4% | 31.3% | |
| Ebitda Margin | 21.4% | 21.4% | 24.1% | 30.8% | 39.9% | |
| Operating Profit Margin | 19.0% | 17.0% | 19.4% | 24.4% | 31.3% | |
| Pretax Profit Margin | 19.0% | 17.0% | 19.4% | 24.4% | 31.3% | |
| Continuous Operations Profit Margin | 15.4% | 14.1% | 15.9% | 19.9% | 25.2% | |
| Net Profit Margin | 15.4% | 14.1% | 15.9% | 19.9% | 25.2% | |
| Bottom Line Profit Margin | 15.4% | 14.1% | 15.9% | 19.9% | 25.1% | |
| Current Ratio | 0.115 | 0.175 | 0.229 | 0.247 | 0.371 | |
| Quick Ratio | 0.115 | 0.175 | 0.229 | 0.247 | 0.371 | |
| Solvency Ratio | 0.012 | 0.012 | 0.013 | 0.014 | 0.021 | |
| Cash Ratio | 0.055 | 0.024 | 0.023 | 0.027 | 0.135 | |
| Price To Earnings Ratio | 10.169 | 12.157 | 8.672 | 9.469 | 7.645 | |
| Price To Earnings Growth Ratio | 0.372 | -4.304 | -7.762 | -0.352 | 0.246 | |
| Forward Price To Earnings Growth Ratio | 0.372 | -4.304 | -7.762 | -0.352 | 0.246 | |
| Price To Earnings Diluted Ratio | 10.169 | 12.157 | 8.771 | 9.576 | 7.676 | |
| Price To Earnings Diluted Growth Ratio | 0.372 | -7.092 | -7.763 | -0.349 | 0.252 | |
| Price To Book Ratio | 1.004 | 1.092 | 0.843 | 1.003 | 0.961 | |
| Price To Sales Ratio | 1.558 | 1.712 | 1.382 | 1.891 | 1.919 | |
| Price To Free Cash Flow Ratio | 6.616 | 16.938 | 8.044 | 5.016 | 9.393 | |
| Price To Operating Cash Flow Ratio | 5.900 | 14.735 | 7.493 | 4.644 | 8.072 | |
| Debt To Assets Ratio | 0.041 | 0.047 | 0.087 | 0.071 | 0.030 | |
| Debt To Equity Ratio | 0.453 | 0.512 | 0.938 | 0.798 | 0.279 | |
| Debt To Capital Ratio | 0.312 | 0.339 | 0.484 | 0.444 | 0.218 | |
| Long Term Debt To Capital Ratio | 0.279 | 0.300 | 0.454 | 0.402 | 0.147 | |
| Financial Leverage Ratio | 10.942 | 10.819 | 10.803 | 11.278 | 9.183 | |
| Working Capital Turnover Ratio | -0.086 | -0.090 | -0.091 | -0.082 | -0.098 | |
| Operating Cash Flow Ratio | 0.018 | 0.008 | 0.013 | 0.023 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.264 | 0.116 | 0.184 | 0.407 | 0.238 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.892 | 0.870 | 0.932 | 0.926 | 0.859 | |
| Debt Service Coverage Ratio | 0.466 | 0.429 | 0.485 | 0.823 | 1.267 | |
| Interest Coverage Ratio | 0.678 | 0.567 | 0.780 | 2.962 | 5.652 | |
| Short Term Operating Cash Flow Coverage Ratio | 2.604 | 0.893 | 1.045 | 1.713 | 1.126 | |
| Operating Cash Flow Coverage Ratio | 0.376 | 0.145 | 0.120 | 0.271 | 0.428 | |
| Capital Expenditure Coverage Ratio | 9.239 | 7.690 | 14.602 | 13.486 | 7.110 | |
| Dividend Paid And Capex Coverage Ratio | 3.726 | 1.891 | 3.080 | 4.814 | 3.100 | |
| Dividend Payout Ratio | 0.275 | 0.329 | 0.296 | 0.273 | 0.172 | |
| Enterprise Value Multiple | 6.843 | 10.170 | 10.772 | 9.483 | 0.951 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.6% | ▲0.8% | ▼-9.4% |
| Ebit Margin | 19.0% | ▲1.9% | ▼-3.3% |
| Ebitda Margin | 21.4% | ▼-0.0% | ▼-6.1% |
| Operating Profit Margin | 19.0% | ▲1.9% | ▼-3.3% |
| Pretax Profit Margin | 19.0% | ▲1.9% | ▼-3.3% |
| Continuous Operations Profit Margin | 15.3% | ▲1.2% | ▼-2.8% |
| Net Profit Margin | 15.3% | ▲1.2% | ▼-2.8% |
| Bottom Line Profit Margin | 15.3% | ▲1.2% | ▼-2.7% |
| Current Ratio | 0.115 | ▼-0.060 | ▼-0.113 |
| Quick Ratio | 0.115 | ▼-0.060 | ▼-0.113 |
| Solvency Ratio | 0.011 | ▼-0.001 | ▼-0.003 |
| Cash Ratio | 0.055 | ▲0.032 | ▲0.003 |
| Price To Earnings Ratio | 10.169 | ▼-1.988 | ▲0.546 |
| Price To Earnings Growth Ratio | 0.372 | ▲4.676 | ▲2.732 |
| Forward Price To Earnings Growth Ratio | 0.372 | ▲4.676 | ▲2.732 |
| Price To Earnings Diluted Ratio | 10.169 | ▼-1.988 | ▲0.499 |
| Price To Earnings Diluted Growth Ratio | 0.372 | ▲7.464 | ▲3.288 |
| Price To Book Ratio | 1.004 | ▼-0.088 | ▲0.024 |
| Price To Sales Ratio | 1.558 | ▼-0.153 | ▼-0.134 |
| Price To Free Cash Flow Ratio | 6.617 | ▼-10.321 | ▼-2.585 |
| Price To Operating Cash Flow Ratio | 5.900 | ▼-8.835 | ▼-2.269 |
| Debt To Assets Ratio | 0.041 | ▼-0.006 | ▼-0.014 |
| Debt To Equity Ratio | 0.453 | ▼-0.059 | ▼-0.143 |
| Debt To Capital Ratio | 0.312 | ▼-0.027 | ▼-0.048 |
| Long Term Debt To Capital Ratio | 0.279 | ▼-0.021 | ▼-0.037 |
| Financial Leverage Ratio | 10.942 | ▲0.123 | ▲0.337 |
| Working Capital Turnover Ratio | -0.086 | ▲0.005 | ▲0.004 |
| Operating Cash Flow Ratio | 0.018 | ▲0.010 | ▲0.003 |
| Operating Cash Flow Sales Ratio | 0.264 | ▲0.148 | ▲0.022 |
| Free Cash Flow Operating Cash Flow Ratio | 0.892 | ▲0.022 | ▼-0.004 |
| Debt Service Coverage Ratio | 0.466 | ▲0.037 | ▼-0.228 |
| Interest Coverage Ratio | 0.677 | ▲0.110 | ▼-1.450 |
| Short Term Operating Cash Flow Coverage Ratio | 2.604 | ▲1.712 | ▲1.128 |
| Operating Cash Flow Coverage Ratio | 0.376 | ▲0.231 | ▲0.108 |
| Capital Expenditure Coverage Ratio | 9.239 | ▲1.549 | ▼-1.187 |
| Dividend Paid And Capex Coverage Ratio | 3.726 | ▲1.836 | ▲0.404 |
| Dividend Payout Ratio | 0.275 | ▼-0.053 | ▲0.006 |
| Enterprise Value Multiple | 6.843 | ▼-3.327 | ▼-0.800 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $141.8M | $139.3M | $104.8M | $118.7M | $139.3M | |
| Enterprise value | $133.1M | $177.0M | $197.0M | $183.3M | $27.5M | |
| EV / Sales | 1.46x | 2.18x | 2.60x | 2.92x | 0.38x | |
| EV / Op. cash flow | 5.54x | 18.73x | 14.08x | 7.17x | 1.59x | |
| EV / Free cash flow | 6.21x | 21.53x | 15.11x | 7.74x | 1.85x | |
| EV / EBITDA | 6.84x | 10.17x | 10.77x | 9.48x | 0.95x | |
| Net debt / EBITDA | -0.45x | 2.17x | 5.04x | 3.34x | -3.86x | |
| Current ratio | 0.12x | 0.17x | 0.23x | 0.25x | 0.37x | |
| Income quality | 1.72x | 0.82x | 1.16x | 2.04x | 0.94x | |
| Graham number | $33 | $27 | $27 | $26 | $33 | |
| Graham net-net | -$197 | -$158 | -$142 | -$135 | -$103 | |
| Tax burden | 81.0% | 82.8% | 82.2% | 81.8% | 80.4% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.17B | -$961.4M | -$837.2M | -$829.5M | -$710.3M | |
| Invested capital | -$1.10B | -$902.8M | -$778.6M | -$770.0M | -$651.9M | |
| Return on assets | 0.9% | 0.8% | 0.9% | 0.9% | 1.4% | |
| Operating ROA | 1.2% | 1.0% | 1.1% | 1.1% | 1.8% | |
| Return on tangible assets | 0.9% | 0.9% | 0.9% | 1.0% | 1.4% | |
| Return on equity | 9.9% | 9.0% | 9.7% | 10.6% | 12.6% | |
| Return on invested capital | 5.9% | 5.1% | 4.5% | 5.0% | 8.4% | |
| Return on capital employed | 7.6% | 6.5% | 5.7% | 6.6% | 11.2% | |
| Earnings yield | 9.9% | 8.2% | 11.5% | 10.5% | 13.1% | |
| Free cash flow yield | 15.1% | 5.9% | 12.4% | 19.9% | 10.6% | |
| Capex / Op. cash flow | 10.8% | 13.0% | 6.8% | 7.4% | 14.1% | |
| Capex / Depreciation | 61.6% | 34.6% | 26.9% | 47.2% | 39.0% | |
| Capex / Sales | 2.9% | 1.5% | 1.3% | 3.0% | 3.3% | |
| SG&A / Sales | 29.1% | 30.9% | 31.9% | 40.9% | 39.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.8% | 0.8% | 0.9% | 0.6% | |
| Intangibles / Total assets | 2.7% | 2.8% | 2.8% | 2.8% | 2.6% | |
| Days sales outstanding | 22d | 22d | 22d | 24d | 15d | |
| Days payables outstanding | 34d | 35d | 46d | 54d | 22d | |
| Operating cycle | 22d | 22d | 22d | 24d | 15d | |
| Cash conversion cycle | -12d | -13d | -24d | -31d | -7d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+1.9%EV / Sales ▼-32.8%EV / EBITDA ▼-32.7%EV / Op. cash flow ▼-13.195Earnings yield ▲+0.016Graham number ▲+5.849
Profitability
Return on equity ▲+0.009Return on assets ▲+0.001Return on invested capital ▲+0.008Return on capital employed ▲+0.011Operating ROA ▲+0.002Income quality ▲+0.896Tax burden ▼-0.018
Efficiency
Days sales outstanding ▼-0.003Days payables outstanding ▼-1.415Operating cycle ▼-0.003Cash conversion cycle ▲+1.412Capex / Sales ▲+0.013R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.060Net debt / EBITDA ▼-2.618Working capital ▼-205855000.000Invested capital ▼-200318000.000Intangibles / Total assets -0.000
Change over 5 years
Valuation
Market cap ▲+1.8%EV / Sales ▲+286.0%EV / EBITDA ▲+619.9%EV / Op. cash flow ▲+3.944Earnings yield ▼-0.033Graham number ▲+0.261
Profitability
Return on equity ▼-0.027Return on assets ▼-0.005Return on invested capital ▼-0.025Return on capital employed ▼-0.036Operating ROA ▼-0.006Income quality ▲+0.776Tax burden ▲+0.006
Efficiency
Days sales outstanding ▲+7.334Days payables outstanding ▲+12.012Operating cycle ▲+7.334Cash conversion cycle ▼-4.678Capex / Sales ▼-0.005R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.256Net debt / EBITDA ▲+3.415Working capital ▼-456904000.000Invested capital ▼-451241000.000Intangibles / Total assets ▲+0.001
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-16 SB Financial Group, Inc. (SBFG) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does SB Financial Group (SBFG) have what it takes?
- 2026-09-02 Is SB Financial Group (SBFG) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-09-02 Hsbc Holdings PLC Purchases Shares of 38,138 SB Financial Group, Inc. $SBFG Hsbc Holdings PLC acquired a new position in shares of SB Financial Group, Inc. (NASDAQ: SBFG) in the undefined quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm acquired 38,138 shares of the financial services provider''s stock, valued at approximately $928,000. Hsbc Holdings PLC owned
- 2026-08-31 SB Financial Group, Inc. (SBFG) Hits Fresh High: Is There Still Room to Run? SB Financial Group (SBFG) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company''s fundamentals for clues.
- 2026-08-17 SB Financial Group (SBFG) Upgraded to Buy: Here''s What You Should Know SB Financial Group (SBFG) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company''s earnings prospects. This might drive the stock higher in the near term.
- 2026-08-17 Should Value Investors Buy SB Financial Group (SBFG) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-14 Why SB Financial Group, Inc. (SBFG) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does SB Financial Group (SBFG) have what it takes?
- 2026-07-29 Why SB Financial Group, Inc. (SBFG) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does SB Financial Group (SBFG) have what it takes?
- 2026-07-24 SB Financial Group, Inc. (SBFG) Q2 2026 Earnings Call Transcript SB Financial Group, Inc. (SBFG) Q2 2026 Earnings Call Transcript
- 2026-07-24 SB Financial Group Q2 Earnings Call Highlights SB Financial Group NASDAQ: SBFG reported second-quarter 2026 net income of $4.5 million, or $0.72 per diluted share, compared with $0.60 per diluted share a year earlier, as higher net interest income and fee revenue supported profitability. Chairman, President and CEO Mark Klein said the company''s results reflected loan and deposit growth, controlled expenses and continued improvement in asset quality.