SB Financial (SBFG)
Market Price (2/15/2026): $21.0 | Market Cap: $132.2 MilSector: Financials | Industry: Regional Banks
SB Financial (SBFG)
Market Price (2/15/2026): $21.0Market Cap: $132.2 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.0%, FCF Yield is 15% | Weak multi-year price returns3Y Excs Rtn is -26% | Significant short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 16.23 |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58% | Key risksSBFG key risks include [1] a reduced net interest margin resulting from a shift in its funding mix to higher-cost deposits driven by liquidity concerns. | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% | ||
| Low stock price volatilityVol 12M is 33% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.0%, FCF Yield is 15% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 30% |
| Low stock price volatilityVol 12M is 33% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -26% |
| Significant short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 16.23 |
| Key risksSBFG key risks include [1] a reduced net interest margin resulting from a shift in its funding mix to higher-cost deposits driven by liquidity concerns. |
Qualitative Assessment
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SB Financial (SBFG) stock has gained about 10% since 10/31/2025 because of the following key factors:
1. Strong Fourth Quarter 2025 Financial Results.
SB Financial Group reported robust fourth-quarter 2025 earnings on January 30, 2026, surpassing analyst expectations. The company announced an earnings per share (EPS) of $0.65, slightly exceeding the consensus estimate of $0.64. Additionally, quarterly revenue reached $16.58 million, outperforming the consensus estimate of $12.30 million. Net interest income demonstrated significant growth, increasing by 16.7% year-over-year to $12.7 million. This strong financial performance marked the 60th consecutive quarter of profitability for the company.
2. Increase in Quarterly Dividend.
On January 23, 2026, SB Financial Group's board of directors declared a quarterly cash dividend of $0.155 per common share. This represents a 7% increase over the previous year's quarterly dividend of $0.145 per share, signaling a commitment to returning capital to shareholders and strengthening its payout profile. The dividend is payable on February 27, 2026.
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1. Strong Fourth Quarter 2025 Financial Results.
SB Financial Group reported robust fourth-quarter 2025 earnings on January 30, 2026, surpassing analyst expectations. The company announced an earnings per share (EPS) of $0.65, slightly exceeding the consensus estimate of $0.64. Additionally, quarterly revenue reached $16.58 million, outperforming the consensus estimate of $12.30 million. Net interest income demonstrated significant growth, increasing by 16.7% year-over-year to $12.7 million. This strong financial performance marked the 60th consecutive quarter of profitability for the company.
2. Increase in Quarterly Dividend.
On January 23, 2026, SB Financial Group's board of directors declared a quarterly cash dividend of $0.155 per common share. This represents a 7% increase over the previous year's quarterly dividend of $0.145 per share, signaling a commitment to returning capital to shareholders and strengthening its payout profile. The dividend is payable on February 27, 2026.
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Stock Movement Drivers
Fundamental Drivers
The 8.6% change in SBFG stock from 10/31/2025 to 2/14/2026 was primarily driven by a 10.1% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 2142026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.28 | 20.93 | 8.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 62 | 65 | 3.6% |
| Net Income Margin (%) | 19.3% | 21.2% | 10.1% |
| P/E Multiple | 10.4 | 9.6 | -7.1% |
| Shares Outstanding (Mil) | 6 | 6 | 2.4% |
| Cumulative Contribution | 8.6% |
Market Drivers
10/31/2025 to 2/14/2026| Return | Correlation | |
|---|---|---|
| SBFG | 8.6% | |
| Market (SPY) | -0.0% | 9.4% |
| Sector (XLF) | -1.4% | 45.7% |
Fundamental Drivers
The 13.7% change in SBFG stock from 7/31/2025 to 2/14/2026 was primarily driven by a 11.4% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2142026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.41 | 20.93 | 13.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 59 | 65 | 9.1% |
| Net Income Margin (%) | 19.0% | 21.2% | 11.4% |
| P/E Multiple | 10.6 | 9.6 | -9.1% |
| Shares Outstanding (Mil) | 6 | 6 | 2.9% |
| Cumulative Contribution | 13.7% |
Market Drivers
7/31/2025 to 2/14/2026| Return | Correlation | |
|---|---|---|
| SBFG | 13.7% | |
| Market (SPY) | 8.2% | 19.2% |
| Sector (XLF) | -1.1% | 47.5% |
Fundamental Drivers
The -3.1% change in SBFG stock from 1/31/2025 to 2/14/2026 was primarily driven by a -21.6% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2142026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.59 | 20.93 | -3.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 57 | 65 | 14.1% |
| Net Income Margin (%) | 20.7% | 21.2% | 2.4% |
| P/E Multiple | 12.3 | 9.6 | -21.6% |
| Shares Outstanding (Mil) | 7 | 6 | 5.8% |
| Cumulative Contribution | -3.1% |
Market Drivers
1/31/2025 to 2/14/2026| Return | Correlation | |
|---|---|---|
| SBFG | -3.1% | |
| Market (SPY) | 14.3% | 32.5% |
| Sector (XLF) | 1.4% | 46.1% |
Fundamental Drivers
The 42.8% change in SBFG stock from 1/31/2023 to 2/14/2026 was primarily driven by a 16.1% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2142026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.66 | 20.93 | 42.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 59 | 65 | 10.1% |
| Net Income Margin (%) | 21.0% | 21.2% | 1.0% |
| P/E Multiple | 8.3 | 9.6 | 16.1% |
| Shares Outstanding (Mil) | 7 | 6 | 10.7% |
| Cumulative Contribution | 42.8% |
Market Drivers
1/31/2023 to 2/14/2026| Return | Correlation | |
|---|---|---|
| SBFG | 42.8% | |
| Market (SPY) | 74.0% | 18.2% |
| Sector (XLF) | 47.7% | 30.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SBFG Return | 10% | -7% | -6% | 41% | 10% | -5% | 42% |
| Peers Return | 32% | -4% | -2% | 12% | -2% | 9% | 49% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| SBFG Win Rate | 50% | 33% | 58% | 42% | 50% | 50% | |
| Peers Win Rate | 60% | 40% | 47% | 47% | 50% | 90% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| SBFG Max Drawdown | -8% | -10% | -29% | -15% | -17% | -6% | |
| Peers Max Drawdown | -1% | -18% | -31% | -12% | -15% | -2% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FMNB, SRCE, LKFN, GABC, FRME.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
| Event | SBFG | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -43.0% | -25.4% |
| % Gain to Breakeven | 75.3% | 34.1% |
| Time to Breakeven | 559 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -49.7% | -33.9% |
| % Gain to Breakeven | 98.6% | 51.3% |
| Time to Breakeven | 661 days | 148 days |
| 2018 Correction | ||
| % Loss | -21.6% | -19.8% |
| % Gain to Breakeven | 27.6% | 24.7% |
| Time to Breakeven | 1,118 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -51.1% | -56.8% |
| % Gain to Breakeven | 104.5% | 131.3% |
| Time to Breakeven | 2,513 days | 1,480 days |
Compare to FMNB, SRCE, LKFN, GABC, FRME
In The Past
SB Financial's stock fell -43.0% during the 2022 Inflation Shock from a high on 3/22/2022. A -43.0% loss requires a 75.3% gain to breakeven.
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About SB Financial (SBFG)
SB Financial Group, Inc. provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was incorporated in 1983 and is headquartered in Defiance, Ohio.
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Here are 1-2 brief analogies for SB Financial (SBFG):
- It's like JPMorgan Chase or Bank of America, but operating as a community bank focused on local markets in northwest Ohio and parts of Indiana.
- Think of it as a smaller, community-centric version of a regional bank like PNC Financial or U.S. Bank, serving specific areas in Ohio and Indiana.
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- Deposit Services: Provides various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Commercial Lending: Offers loans and lines of credit to businesses for operations, expansion, and equipment financing.
- Real Estate Lending: Provides loans secured by commercial properties and residential real estate for purchase or refinancing.
- Consumer Lending: Offers personal loans, auto loans, and other installment and revolving credit products to individuals.
- Wealth Management & Trust Services: Delivers financial planning, investment management, and trust administration services to clients.
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```htmlSB Financial (SBFG), through its primary subsidiary SaVant Bank, N.A., and other subsidiaries like SaVant Investment Services, Inc. and SaVant Insurance, Inc., primarily serves a diverse base of individuals and businesses within its operating footprint (primarily northwest Ohio, and parts of Indiana and Kentucky). As a regional financial institution, it does not have a few major corporate customers in the traditional B2B sense; rather, its customer base is broad and consists of many individual and business clients.
The company primarily sells to individuals and businesses, and its major customer categories include:
- Individual/Retail Customers: This category includes consumers who utilize personal banking services such as checking and savings accounts, personal loans, mortgages, home equity lines of credit, credit cards, and personal investment and insurance products.
- Small to Medium-sized Business (SMB) and Commercial Customers: These are businesses, including agricultural enterprises, that rely on the bank for commercial loans, lines of credit, treasury management services, business checking and savings accounts, commercial real estate loans, and business insurance products.
- Wealth Management and Investment Clients: This category encompasses individuals and businesses seeking investment advisory services, wealth planning, retirement planning, and brokerage services through SaVant Investment Services.
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Mark A. Klein, Chairman, President & CEO
Mark A. Klein has served as Chairman, President, and CEO of SB Financial Group, Inc. since 2015. He was previously President and CEO of SB Financial Group, Inc. since 2010 and State Bank since 2006. Before joining SB Financial Group, Inc. and State Bank, Mr. Klein held roles as Senior Vice President Private Banking of Sky Bank from 2004 to January 2006, and Vice President and Team Leader of Sky Bank from 2000 to 2004. From 1994 to 1999, he was Executive Vice President and Senior Lender at a Sky Bank affiliate.
Anthony V. Cosentino, Executive Vice President, Chief Financial Officer
Anthony V. Cosentino has served as Executive Vice President, Chief Financial Officer of SB Financial Group, Inc. since March 2010.
Keeta J. Diller, Executive Vice President, Corporate Secretary
Keeta J. Diller serves as Executive Vice President, Corporate Secretary of SB Financial Group, Inc. and Executive Vice President, Chief Operations Officer of State Bank.
Steven A. Walz, Executive Vice President and Chief Lending Officer
Steven A. Walz holds the position of Executive Vice President and Chief Lending Officer of State Bank.
Juan Ernesto Gaytan Garcia, Executive Vice President and Chief Technology Innovation Officer
Juan Ernesto Gaytan Garcia is the Executive Vice President and Chief Technology Innovation Officer of SB Financial Group, Inc. and State Bank.
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Here are the key risks to SB Financial (SBFG):
- Regulatory and Compliance Risk: As a financial holding company, SB Financial is subject to extensive regulation under the Bank Holding Company Act of 1956 and oversight by the Federal Reserve Board. Changes in statutes, regulations, or regulatory policies could have a material impact on its business operations and financial performance.
- Intense Competition: SB Financial faces significant competition in attracting both depositors and borrowers. This competition originates from various entities, including other commercial banks, savings associations, insurance companies, governmental agencies, credit unions, securities brokerage firms, finance companies, and financial technology companies (fintechs). The primary factors in this competitive landscape are interest rates and the overall quality of banking services offered.
- Interest Rate Risk and Liquidity Concerns: The company is exposed to interest rate fluctuations, which can impact its net interest margin and funding costs. Recent reports indicate that liquidity concerns have led to a more competitive environment for deposits and funding, resulting in a higher deposit beta and reduced margin income. A shift in the funding mix towards higher-cost term deposits has negatively impacted the net interest margin.
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The clear emerging threat for SB Financial (SBFG) is the accelerating disruption from technologically advanced non-bank financial institutions (fintechs) and large technology companies. These new entrants leverage superior digital platforms to offer more convenient, often lower-cost, and personalized financial products across lending, deposits, and payment processing. This trend is actively challenging traditional community banking models by capturing market share, shifting customer expectations towards digital-first services, and pressuring net interest margins and fee income as SBFG competes with agile, tech-centric rivals that often have lower operating costs and wider reach.AI Analysis | Feedback
SB Financial Group, Inc. (SBFG) primarily operates in Ohio, Indiana, and Michigan, offering a range of financial services, including commercial banking, wealth management, mortgage banking, and trust services. The addressable markets for their main products and services are sized as follows:
- Community Banking: The U.S. community banking market was valued at approximately USD 6.35 billion in 2024, with North America holding a significant share of the global market at USD 6.68 billion in the same year. The global community banking market is projected to grow from USD 16.7 billion in 2024 to around USD 29.07 billion by 2034.
- Mortgage Lending: In Ohio, the mortgage market saw approximately $42 billion in home loans originated by nearly 900 mortgage companies in 2024. More recently, in the second quarter of 2025, over 158,000 loans were originated in Ohio, totaling $38.9 billion, with an average loan size of $242,000.
- Wealth Management: The global wealth management market was valued at $1.25 trillion in 2020 and is projected to reach $3.43 trillion by 2030. North America held the largest share of this market in 2020.
- Commercial Banking: The commercial banking industry in Ohio had a market size of $63.8 billion in 2025.
- Trust and Corporate Services: The global trust and corporate service market was valued at USD 11.93 billion in 2025 and is expected to grow to USD 22.35 billion by 2035. Another estimate placed the global market at USD 15.5 billion in 2024, projecting growth to USD 21.81 billion by 2031.
Specific market sizes for commercial leasing, insurance products, agricultural lending, consumer lending, and title insurance within SB Financial's precise regional operating footprint (parts of Ohio, Indiana, and Michigan) were not available.
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Here are 3-5 expected drivers of future revenue growth for SB Financial (SBFG) over the next 2-3 years:- Sustained Loan and Deposit Growth: SB Financial has consistently reported robust loan and deposit growth, with recent earnings calls highlighting continued sequential loan growth for multiple quarters. The company projects loan growth to be between $80 million and $100 million in 2026. This organic expansion of its core banking business is expected to be a primary driver of increased net interest income.
- Strategic Market Expansion and Acquisitions: The successful integration of Marblehead Bank has significantly expanded SB Financial's market presence and contributed to increased deposits. Furthermore, the company is actively expanding into new markets, such as Napoleon, Ohio, with a target of approximately $800 million in local deposits. Strategic focus on key regions like Columbus, Cincinnati, and Indianapolis is also contributing to growth.
- Growth in Non-Interest Income from Mortgage and Title Services: Despite some fluctuations in mortgage originations, SB Financial anticipates continued contributions from its mortgage sector, supported by a strong pipeline and expanded teams. The company projects mortgage volume to reach between $320 million and $350 million. Additionally, increased mortgage servicing rights and a strong performance from its Peak Title service fees have been identified as bright spots contributing to non-interest income.
- Net Interest Income Growth and Margin Expansion: SB Financial has experienced substantial growth in net interest income, driven by higher loan interest and stable funding costs. The company anticipates the potential for continued margin expansion and aims to maintain a stable margin around 3.5%. This sustained growth in net interest income, combined with efficient cost management leading to operating leverage, is expected to enhance overall revenue.
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Share Repurchases
- SB Financial Group, Inc. authorized a share repurchase program for up to 750,000 common shares on May 27, 2021.
- Under a buyback plan announced on December 19, 2024, the company completed the repurchase of 257,786 shares for $5.04 million.
- Net cash used for stock repurchases was $8.701 million in 2021 and $5.648 million in 2022.
Share Issuance
- Between 2021 and 2022, the company issued approximately 344,663 common shares, resulting in an increase of $6.856 million in common stock.
Outbound Investments
- SB Financial Group completed the acquisition of Marblehead Bancorp, Inc. in January 2025 for a total cash consideration of $5.0 million.
- The acquisition of Marblehead Bancorp added over $60 million in assets to SB Financial.
- In December 2024, the company completed the dissolution of four inactive subsidiaries: RFCBC, Inc., Rurbanc Data Services Inc., Rurban Mortgage Company, and SBFG Mortgage, LLC.
Capital Expenditures
- Net cash used in investing activities, a category that includes capital expenditures, was approximately $77.9 million in 2021 and $133.0 million in 2022.
- In 2024, the company expanded its presence in the Columbus, Ohio market and established a mortgage loan production office in Cincinnati, Ohio.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| SB Financial Stock Lost 11%, Buy Or Wait? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 42.62 |
| Mkt Cap | 1.6 |
| Rev LTM | 297 |
| Op Inc LTM | - |
| FCF LTM | 125 |
| FCF 3Y Avg | 106 |
| CFO LTM | 133 |
| CFO 3Y Avg | 113 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 9.0% |
| Rev Chg 3Y Avg | 4.2% |
| Rev Chg Q | 12.9% |
| QoQ Delta Rev Chg LTM | 3.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 42.9% |
| CFO/Rev 3Y Avg | 43.5% |
| FCF/Rev LTM | 41.6% |
| FCF/Rev 3Y Avg | 40.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.6 |
| P/S | 3.9 |
| P/EBIT | - |
| P/E | 11.0 |
| P/CFO | 9.2 |
| Total Yield | 11.9% |
| Dividend Yield | 2.7% |
| FCF Yield 3Y Avg | 11.8% |
| D/E | 0.2 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 5.5% |
| 3M Rtn | 8.7% |
| 6M Rtn | 6.1% |
| 12M Rtn | -1.2% |
| 3Y Rtn | 16.0% |
| 1M Excs Rtn | 8.2% |
| 3M Excs Rtn | 8.5% |
| 6M Excs Rtn | -1.4% |
| 12M Excs Rtn | -13.3% |
| 3Y Excs Rtn | -50.6% |
Price Behavior
Price Behavior
| Market Price | $20.93 | |
| Market Cap ($ Bil) | 0.1 | |
| First Trading Date | 01/04/1999 | |
| Distance from 52W High | -11.2% | |
| 50 Days | 200 Days | |
| DMA Price | $21.91 | $19.88 |
| DMA Trend | up | up |
| Distance from DMA | -4.5% | 5.3% |
| 3M | 1YR | |
| Volatility | 35.1% | 33.6% |
| Downside Capture | 3.22 | 58.18 |
| Upside Capture | 22.26 | 42.30 |
| Correlation (SPY) | 23.2% | 32.5% |
SBFG Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.09 | 0.83 | 0.31 | 0.69 | 0.57 | 0.42 |
| Up Beta | 5.74 | 4.25 | 1.02 | 2.18 | 0.48 | 0.43 |
| Down Beta | 1.35 | 1.60 | 0.34 | 0.45 | 0.72 | 0.54 |
| Up Capture | -2% | -6% | 59% | 53% | 41% | 13% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 12 | 21 | 33 | 67 | 125 | 372 |
| Down Capture | -72% | -77% | -41% | 9% | 66% | 53% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 8 | 20 | 28 | 58 | 122 | 345 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBFG | |
|---|---|---|---|---|
| SBFG | -9.3% | 33.5% | -0.25 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 46.2% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 32.4% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | -1.0% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 8.9% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 33.5% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 17.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBFG | |
|---|---|---|---|---|
| SBFG | 6.3% | 31.8% | 0.25 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 28.0% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 18.1% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | 0.8% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 5.5% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 17.8% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 11.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SBFG | |
|---|---|---|---|---|
| SBFG | 10.9% | 32.9% | 0.41 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 31.7% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 24.5% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | 2.8% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 12.5% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 26.2% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 9.6% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/30/2026 | -1.4% | ||
| 11/4/2025 | 4.8% | 6.4% | 8.8% |
| 7/28/2025 | -1.8% | 1.7% | 6.5% |
| 5/5/2025 | -1.1% | 0.9% | -6.1% |
| 1/28/2025 | 3.2% | 4.2% | -0.7% |
| 10/28/2024 | 0.3% | -0.2% | 9.5% |
| 7/22/2024 | 3.9% | 10.3% | 3.3% |
| 4/23/2024 | 2.1% | -1.0% | 6.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 13 | 15 |
| # Negative | 8 | 10 | 8 |
| Median Positive | 0.9% | 3.2% | 6.5% |
| Median Negative | -1.6% | -1.0% | -2.1% |
| Max Positive | 4.8% | 15.9% | 13.1% |
| Max Negative | -6.2% | -5.7% | -6.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/07/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/08/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/10/2023 | 10-Q |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 03/07/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 03/07/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Claxton, Timothy L | Direct | Buy | 6242025 | 17.64 | 2,000 | 35,278 | 178,630 | Form | |
| 2 | Klein, Mark A | CHAIRMAN, PRESIDENT, CEO | TRUST | Buy | 6202025 | 17.55 | 100 | 1,755 | 1,870,251 | Form |
| 3 | Homoelle, David A | EVP OF SUBSIDIARY | Direct | Sell | 3102025 | 23.43 | 937 | Form | ||
| 4 | Homoelle, David A | EVP OF SUBSIDIARY | Direct | Buy | 3102025 | 21.15 | 322 | 6,810 | 6,810 | Form |
| 5 | Carter, George W | SPOUSE'S IRA | Buy | 2282025 | 21.08 | 134 | 2,824 | 23,753 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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