SBFG
SB Financial Group, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
26.57
▼ 0.06 (0.23%)
MARKET · —
Price
Open
26.66
Prev close
26.63
Day high
27.07
Day low
26.55
Volume
22.29K
Market cap
$166.14M
P/E (TTM)
9.95
52W range
18.16 – 28.38
Trailing performance
Returnvs SPY
1W
-2.46%
-1.1%
1M
-0.37%
-4.1%
3M
+23.58%
+20.5%
6M
+22.67%
+11.6%
YTD
+19.31%
+7.0%
1Y
+28.05%
+8.1%
3Y
+88.17%
+14.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$166.14M
Enterprise value$84.86M
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
Float5.17M
Short % of float0.38%
Dividend yield2.41%
Beta (5Y)0.18
Valuation & profitability ratios
Trailing P/E9.95
Forward P/E10.22
PEG ratio—
Price / sales—
Price / book1.13
EV / revenue1.26
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 |
|---|---|---|---|---|
| Total revenue | $48.45M | $39.92M | $39.27M | $39.40M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $13.97M | $11.47M | $12.10M | $12.52M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $13.97M | $11.47M | $12.10M | $12.52M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 upside9.15%
Analyst count1
ConsensusSTRONG BUY
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders10.46%
Held by institutions52.04%
Institutions holding93
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-602
Net selling
Buy transactions
1
48 shares
Sell transactions
1
650 shares
Net transactions
+2
Buys less sells
Sell : buy shares
13.5 : 1
Heavily one-sided
Insider-held shares
654.06K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| 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 |
| Feb 5, 26 | DILLER KEETA JANE Officer |
STOCK | 3.67K | $0 | 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) |
Moving averages & technicals
SMA 10
26.98
-1.53% from price
SMA 20
26.76
-0.73% from price
SMA 50
25.76
+3.15% from price
SMA 100
23.80
+11.66% from price
SMA 200
22.59
+17.64% from price
EMA 12
26.81
-0.90% from price
EMA 26
26.54
+0.09% from price
EMA 50
25.73
+3.25% from price
RSI (14)
50.6
Neutral
MACD (12,26,9)
0.27
Hist -0.14
ATR (14)
0.77
2.91% of price
Realised vol 30D
29.0%
Annualised
Bollinger upper
27.62
20, 2σ
Bollinger lower
25.91
20, 2σ
50 / 200 cross
Golden
25.76 vs 22.59
Trend bias
Above 200
+17.64%
Risk profile
Beta vs SPY
0.45
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
29.0%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-17.6%
Peak to trough
Max drawdown 5Y
-43.0%
Peak to trough
ATR 14
0.77
2.91% of price
Beta (reported)
0.18
5Y monthly, from filing
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.
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.
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.
Headlines
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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.