SB Financial Group, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for SB Financial Group, Inc. (SBFG), the latest P/E of 10.5 frames valuation, while ROE 11.79% and ROIC 1.03% indicates profitability and capital efficiency. Together with the current ratio of 21.33 and debt-to-equity 0.40, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

SBFG Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$15.29$12.22$11.11$8.97$9.76$9.10$9.21$8.62$9.83$9.17
Net Income per Share$2.70$1.72$1.77$1.79$2.46$1.87$1.77$1.79$2.19$1.72
Operating Cash Flow per Share$4.00$1.42$2.05$3.65$2.32$2.99$2.78$2.13$1.94$2.74
Free Cash Flow per Share$3.72$1.23$1.91$3.38$1.99$2.74$2.48$1.82$1.20$2.42
Cash per Share$51.12$29.92$35.76$38.36$55.86$37.02$18.88$21.42$21.63$20.92
Book Value per Share$23.65$19.15$18.21$16.91$19.49$17.88$20.08$20.04$18.58$16.90
Tangible Book Value per Share$16.70$13.42$12.77$11.66$14.75$14.14$15.82$15.78$13.38$12.05
Interest Debt per Share$13.83$13.47$19.84$14.23$5.97$4.37$5.68$5.75$7.45$7.86
CAPEX per Share$0.28$0.18$0.14$0.27$0.33$0.25$0.30$0.31$0.73$0.32

SBFG Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)10.5212.148.679.487.629.3110.628.768.058.91
Price to Book (P/B)1.191.090.8410.960.970.930.780.950.9
Price to Sales (P/S)1.861.711.381.891.921.912.041.821.791.67
Enterprise Value to EBITDA4.0610.1710.779.480.950.836.924.885.886.24
EV to Sales1.032.182.62.920.380.292.071.511.932.09
EV to Operating Cash Flow3.9518.7314.087.171.590.876.856.129.87.01
EV to Free Cash Flow4.2521.5315.117.741.860.957.687.1615.777.94
Enterprise Value$98.05M$177.04M$196.95M$183.30M$27.51M$20.85M$128.99M$84.80M$96.03M$98.32M

SBFG Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)11.79%9.00%9.73%10.57%12.61%10.46%8.80%8.92%11.77%10.15%
Return on Invested Capital (ROIC)1.03%5.11%4.47%5.05%8.40%7.18%6.07%6.35%7.56%6.16%
Return on Tangible Assets1.06%0.86%0.93%0.96%1.41%1.22%1.19%1.21%1.30%1.11%
Earnings Yield9.58%8.24%11.54%10.55%13.12%10.74%9.42%11.41%12.42%11.22%
Free Cash Flow Yield13.03%5.90%12.43%19.94%10.65%15.75%13.21%11.62%6.84%15.82%
Dividend Yield2.23%2.71%3.42%2.88%2.25%2.21%2.58%3.01%2.62%2.75%

SBFG Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio21.330.180.230.250.370.280.150.170.150.16
Interest Coverage0.780.570.782.965.652.751.532.333.334.03
Income Quality1.480.821.162.040.941.61.571.190.891.6
Debt to Equity0.40.510.940.80.280.20.210.240.360.43
Debt to Assets3.66%4.73%8.68%7.08%3.03%2.24%2.79%3.16%3.83%4.54%
Net Debt to EBITDA-3.272.175.043.34-3.86-4.70.1-0.990.431.27

SBFG Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover17.3916.5816.2915.3524.8619.1420.119.8827.2331.04
Payables Turnover11.0710.447.866.7216.9618.198.717.497.599.68
Inventory Turnover0000000000
Days Sales Outstanding20.9922.0222.423.7814.6819.0718.1618.3613.411.76
Days Payables Outstanding32.9934.9546.4654.2921.5320.0741.948.7148.0837.72
Days of Inventory on Hand0000000000

SBFG Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA4.0610.1710.779.480.950.836.924.885.886.24
Market Cap$176.90M$139.26M$104.83M$118.73M$139.30M$139.18M$127.11M$101.98M$89.07M$78.30M
Enterprise Value$98.05M$177.04M$196.95M$183.30M$27.51M$20.85M$128.99M$84.80M$96.03M$98.32M
Dividend Yield2.23%2.71%3.42%2.88%2.25%2.21%2.58%3.01%2.62%2.75%
Payout Ratio23.30%32.87%29.63%27.27%17.17%20.54%27.40%26.34%21.12%24.53%

Frequently Asked Questions

How does SB Financial Group, Inc.’s P/E ratio compare with its history?

On this page, SBFG's current P/E is 10.5, compared with a multi-year average around 9.4. A higher P/E versus its own history is a calculated premium versus that average—not a conclusion that the stock is expensive. Cross-check profitability (ROE/ROIC), liquidity (current ratio), and leverage (debt-to-equity) so the multiple is read with those published figures.

What is SB Financial Group, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $176.90M. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does SB Financial Group, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with SB Financial Group, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does SB Financial Group, Inc. compare to its competitors in key financial ratios?

The fastest way to compare SB Financial Group, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see SB Financial Group, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do SB Financial Group, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that SB Financial Group, Inc. is financially strong. Current ratio is about 21.33, which is above 1.0 and can indicate more comfortable short-term liquidity. Interest coverage is about 0.78, implying less buffer for servicing interest costs. Debt-to-equity is about 0.40, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do SB Financial Group, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If SB Financial Group, Inc. is sustaining strong returns (for example ROE at 11.79% and ROIC at 1.03%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.