SBFG
SB Financial Group, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+40/100
Last price
29.48
▲ 0.47 (1.62%)
MARKET · —
Price
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Tool
1D
—
H —
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Range —
Vol —
vs
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Open
—
Prev close
29.01
Day high
29.91
Day low
29.05
Volume
10.90K
Market cap
$184.34M
P/E (TTM)
11.04
52W range
18.16 – 32.93
Trailing performance
Returnvs SPY
1W
-0.47%
-2.4%
1M
-1.70%
-2.9%
3M
+15.20%
+10.7%
6M
+39.91%
+21.7%
YTD
+32.38%
+18.1%
1Y
+53.62%
+37.2%
3Y
+118.37%
+36.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SBFG open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
349.10K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 15, 26 | HARDGROVE RICHARD L Director |
SELL | 3.70K | $107.65K | Direct |
| Jun 15, 26 | HARDGROVE RICHARD L Director |
SELL | 650 | $14.95K | Direct |
| Mar 4, 26 | STRAUSBAUGH SUE ANN Director |
BUY | 48 | $993 | Indirect |
| Feb 5, 26 | HARDGROVE RICHARD L Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | HARDGROVE RICHARD L Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | KISSNER RITA A Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | KLEIN MARK A Chief Executive Officer |
STOCK | 7.35K | $162.69K | Direct |
| Feb 5, 26 | FINN GAYLYN J Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | COSENTINO ANTHONY VAN Chief Financial Officer |
STOCK | 3.67K | $81.30K | Direct |
| Feb 5, 26 | STOLLY TIMOTHY J Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | CARTER GEORGE W Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | MARTIN WILLIAM G Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | HELBERG TOM R Director |
STOCK | 1.15K | $25.46K | Direct |
| Feb 5, 26 | GAYTAN GARCIAO JUAN ERNESTO Officer |
STOCK | 3.67K | $81.30K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CARTER GEORGE W |
Director | 20.26K | Stock Award(Grant) |
COSENTINO ANTHONY VAN |
Chief Financial Officer | 56.79K | Stock Award(Grant) |
DILLER KEETA JANE |
Officer | 40.41K | Stock Award(Grant) |
FINN GAYLYN J |
Director | 24.38K | Stock Award(Grant) |
GAYTAN GARCIAO JUAN ERNESTO |
Officer | 21.25K | Stock Award(Grant) |
KISSNER RITA A |
Director | 23.90K | Stock Award(Grant) |
KLEIN MARK A |
Chief Executive Officer | 122.20K | Stock Award(Grant) |
MARTIN WILLIAM G |
Director | 19.04K | Stock Award(Grant) |
STOLLY TIMOTHY J |
Director | 18.93K | Stock Award(Grant) |
WALZ STEVEN A. |
Officer | 20.89K | Stock Award(Grant) |
Fundamentals
Market cap$184.34M
Enterprise value$103.06M
Revenue (TTM)$67.59M
Gross profit$67.59M
EBITDA—
Net income$16.73M
EPS (TTM)$2.67
Free cash flow—
Total cash$143.20M
Total debt$61.92M
Book value / share$23.46
Shares outstanding6.25M
Float5.47M
Short % of float0.39%
Dividend yield2.18%
Beta (5Y)0.18
Valuation & profitability ratios
Trailing P/E11.04
Forward P/E11.34
PEG ratio—
Price / sales—
Price / book1.26
EV / revenue1.53
EV / EBITDA—
Gross margin0.00%
Operating margin31.41%
Profit margin24.79%
Return on equity11.95%
Return on assets1.08%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $65.56M | $56.94M | $56.99M | $57.63M | +15.1% |
| Operating revenue | $65.56M | $56.94M | $56.99M | $57.63M | +15.1% |
| Selling, general & admin | $26.49M | $25.16M | $24.19M | $25.67M | +5.3% |
| Pre-tax income | $17.25M | $13.86M | $14.72M | $15.32M | +24.5% |
| Tax provision | $3.28M | $2.39M | $2.62M | $2.79M | +37.5% |
| Net income | $13.97M | $11.47M | $12.10M | $12.52M | +21.8% |
| Net income to common | $13.97M | $11.47M | $12.10M | $12.52M | +21.8% |
| Basic EPS | 2.19 | 1.72 | 1.77 | 1.79 | +27.3% |
| Diluted EPS | 2.19 | 1.72 | 1.75 | 1.77 | +27.3% |
| Basic shares | 6.37M | 6.66M | 6.83M | 7.00M | -4.4% |
| Diluted shares | 6.39M | 6.68M | 6.92M | 7.08M | -4.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $72.68M | $27.49M | $24.50M | $29.95M | +164.4% |
| Accounts receivable | $5.49M | $4.91M | $4.66M | $4.09M | +11.9% |
| Property, plant & equipment | $21.69M | $20.46M | $21.38M | $22.83M | +6.0% |
| Goodwill & intangibles | $42.41M | $38.11M | $37.15M | $36.74M | +11.3% |
| Total assets | $1.55B | $1.38B | $1.34B | $1.34B | +12.0% |
| Long-term debt | $54.74M | $54.69M | $103.24M | $79.59M | +0.1% |
| Total debt | $54.74M | $54.69M | $103.24M | $79.59M | +0.1% |
| Total liabilities | $1.40B | $1.25B | $1.22B | $1.22B | +12.2% |
| Retained earnings | $126.31M | $116.19M | $108.49M | $101.97M | +8.7% |
| Shareholder equity | $141.24M | $127.51M | $124.34M | $118.43M | +10.8% |
| Net tangible assets | $98.82M | $89.40M | $87.20M | $81.69M | +10.5% |
| Shares issued | 8.53M | 8.47M | 8.48M | 8.53M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $13.97M | $11.47M | $12.10M | $12.52M | +21.8% |
| Depreciation & amortisation | $4.22M | $3.55M | $3.57M | $4.01M | +18.9% |
| Stock-based compensation | $536.00K | $637.00K | $576.00K | $568.00K | -15.9% |
| Change in working capital | $844.00K | -$2.30M | -$1.41M | $2.68M | +136.7% |
| Operating cash flow | $24.04M | $9.45M | $13.99M | $25.57M | +154.4% |
| Capital expenditure | -$2.60M | -$1.23M | -$958.00K | -$1.90M | -111.7% |
| Investing cash flow | -$68.08M | -$28.95M | -$17.39M | -$165.67M | -135.2% |
| Share buybacks | -$5.69M | -$4.77M | -$3.47M | -$5.90M | -19.3% |
| Dividends paid | -$3.85M | -$3.77M | -$3.58M | -$3.42M | -2.1% |
| Financing cash flow | $89.66M | $22.46M | -$1.45M | $18.41M | +299.2% |
| Free cash flow | $21.44M | $8.22M | $13.03M | $23.67M | +160.7% |
| End cash position | $71.54M | $25.93M | $22.96M | $27.82M | +175.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $17.94M | $17.42M | $16.42M | $16.58M | $17.18M | +3.0% |
| Operating revenue | $17.94M | $17.42M | $16.42M | $16.58M | $17.18M | +3.0% |
| Selling, general & admin | $7.44M | $6.56M | $6.33M | $6.63M | $6.96M | +13.4% |
| Pre-tax income | $5.50M | $5.28M | $4.98M | $4.96M | $4.73M | +4.2% |
| Tax provision | $1.01M | $985.00K | $1.06M | $910.00K | $875.00K | +2.3% |
| Net income | $4.50M | $4.30M | $3.92M | $4.05M | $3.85M | +4.7% |
| Net income to common | $4.50M | $4.30M | $3.94M | $4.04M | $3.85M | +4.7% |
| Basic EPS | 0.72 | 0.69 | 0.63 | 0.64 | 0.60 | +4.3% |
| Diluted EPS | 0.72 | 0.69 | 0.63 | 0.64 | 0.60 | +4.3% |
| Basic shares | 6.21M | 6.23M | 6.25M | 6.30M | 6.45M | -0.4% |
| Diluted shares | 6.22M | 6.24M | 6.27M | 6.31M | 6.46M | -0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $140.61M | $128.26M | $72.68M | $87.05M | $81.03M | +9.6% |
| Accounts receivable | $5.46M | $5.50M | $5.49M | $5.46M | $5.30M | -0.8% |
| Property, plant & equipment | $21.09M | $21.30M | $21.69M | $21.76M | $21.86M | -1.0% |
| Goodwill & intangibles | $43.11M | — | — | — | — | — |
| Total assets | $1.62B | $1.60B | $1.55B | $1.50B | $1.49B | +1.0% |
| Long-term debt | $42.26M | $47.25M | $54.74M | $54.73M | $54.72M | -10.6% |
| Total debt | $42.26M | $47.25M | $54.74M | $54.73M | $54.72M | -10.6% |
| Total liabilities | $1.47B | $1.46B | $1.40B | $1.36B | $1.35B | +0.8% |
| Retained earnings | $133.13M | $129.63M | $126.31M | $123.37M | $120.27M | +2.7% |
| Shareholder equity | $146.74M | $143.66M | $141.24M | $136.94M | $133.65M | +2.1% |
| Net tangible assets | $103.63M | $100.77M | $98.82M | $94.43M | $91.03M | +2.8% |
| Shares issued | 6.26M | 8.53M | 8.53M | 8.53M | 8.53M | -26.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.50M | $4.30M | $3.92M | $4.05M | $3.85M | +4.7% |
| Depreciation & amortisation | $1.13M | $1.17M | $1.19M | $1.06M | $1.03M | -3.6% |
| Stock-based compensation | $210.00K | $155.00K | $74.00K | $121.00K | $184.00K | +35.5% |
| Change in working capital | $1.31M | -$2.48M | $391.00K | -$466.00K | $56.00K | +152.7% |
| Operating cash flow | $6.83M | -$3.00M | $8.27M | $12.69M | -$3.63M | +328.1% |
| Capital expenditure | -$366.00K | -$229.00K | -$698.00K | -$453.00K | -$528.00K | -59.8% |
| Investing cash flow | -$4.97M | $2.12M | -$63.10M | -$12.21M | -$1.95M | -334.8% |
| Share buybacks | -$626.00K | -$676.00K | -$649.00K | -$2.01M | -$2.32M | +7.4% |
| Dividends paid | -$1.00M | -$976.00K | -$977.00K | -$949.00K | -$976.00K | -2.8% |
| Financing cash flow | $9.99M | $55.63M | $41.35M | $5.08M | -$20.11M | -82.0% |
| Free cash flow | $6.47M | -$3.23M | $7.57M | $12.24M | -$4.15M | +300.6% |
| End cash position | $138.15M | $126.29M | $71.54M | $85.03M | $79.46M | +9.4% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.69 | 0.73 | +5.8% |
| Mar 2026 | 0.60 | 0.63 | +5.0% |
| Dec 2025 | 0.64 | 0.65 | +1.6% |
| Sep 2025 | 0.62 | 0.68 | +9.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.62 | 1 | $12.70M | +3.0% |
| Next quarter | 0.58 | 1 | $12.80M | +0.7% |
| Current year | 2.56 | 1 | $51.10M | +5.5% |
| Next year | 2.60 | 1 | $52.30M | +2.4% |
Analyst targets & ownership
Mean target$29.00
High target$29.00
Low target$29.00
Implied upside-1.63%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders5.58%
Held by institutions52.17%
Institutions holding90
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
29.62
-0.48% from price
SMA 20
29.50
-0.07% from price
SMA 50
28.18
+4.60% from price
SMA 100
26.03
+13.25% from price
SMA 200
23.77
+24.04% from price
EMA 12
29.43
+0.18% from price
EMA 26
29.10
+1.31% from price
EMA 50
28.22
+4.45% from price
RSI (14)
54.0
Neutral
MACD (12,26,9)
0.33
Hist -0.16
ATR (14)
1.61
5.46% of price
Realised vol 30D
26.7%
Annualised
Bollinger upper
30.47
20, 2σ
Bollinger lower
28.54
20, 2σ
50 / 200 cross
Golden
28.18 vs 23.77
Trend bias
Above 200
+24.04%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.48
Less volatile than market
Correlation to SPY
0.18
Largely independent
Realised vol 30D
26.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.3%
Peak to trough
Max drawdown 5Y
-43.0%
Peak to trough
ATR 14
1.61
5.46% of price
Beta (reported)
0.18
5Y monthly, from filing
Short interest
Shares short
23.14K
Prior 24.68K
Change vs prior
-6.3%
Shorts covering
% of float
0.39%
Normal
% of shares out
0.37%
Against total outstanding
Days to cover
1.6
Liquid
Float
5.47M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.64 / yr
Forward yield2.18%
5-year avg yield2.88%
Payout ratio23.22%
Ex-dividend dateAug 14, 2026
Next pay dateAug 28, 2026
Last split105:100
Split dateJan 20, 2022
SEC filings
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-17
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-23
Corporate Changes & Voting Matters
8-K · 2026-04-22
Proxy Statements
DEF 14A · 2026-03-06
Corporate Changes & Voting Matters
8-K · 2026-02-02
Headlines
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Is SB Financial Group (SBFG) Stock Undervalued Right Now?
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Are You Looking for a High-Growth Dividend Stock?
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SB Financial Group, Inc. (SBFG) Hits Fresh High: Is There Still Room to Run?
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SB Financial Group (SBFG) Upgraded to Buy: Here's What You Should Know
Zacks · 51d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.