SBFG SB Financial Group, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$29.40
· of 52w range
· above low
· to high
$18.1652w low
$32.9352w high
P/E
10.2
EPS
$2.19
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52W Range
$18–$33
Analyst Rating
BUY
Price Target
$29
P/E
10.2
ROE
10.2%
Net Profit Margin
21.3%
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SBFG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$29.40
P/E
10.2
EPS
$2.19
ROE
10.2%
Debt/Equity (MRQ)
0.0
52W Range
$18–$33
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Jan. 20, 2022 | 21-for-20 | Forward |
| Sept. 13, 2000 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.192018-12-31 → 2025-12-31
Free Cash Flow$21M2019-12-31 → 2025-12-31
Net margin21.3%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | SBFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 10.25Y avg ≈9.6 | ≈9.6 | 13.8 | Undervalued | |
| PEG Ratio | ≈4.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | SBFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 3.4%5Y avg ≈3.6% | ≈3.6% | 3.2% | In line | |
| Pretax Margin | 26.3%5Y avg ≈27.3% | ≈27.3% | 31.8% | In line | |
| Net Profit Margin | 21.3%5Y avg ≈22.3% | ≈22.3% | 26.4% | In line | |
| ROA | 0.96%5Y avg ≈1.0% | ≈1.0% | 0.68% | Top tier | |
| ROE | 10.2%5Y avg ≈10.5% | ≈10.5% | 6.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | SBFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.05Y avg ≈0.2 | ≈0.2 | 0.3 | Low debt |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | SBFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 15.1%5Y avg ≈1.8% | ≈1.8% | · | · | |
| Revenue CAGR 3Y | 4.4%5Y avg ≈-1.2% | ≈-1.2% | · | · | |
| Revenue CAGR 5Y | 1.3% | · | · | · | |
| EPS YoY | 27.3%5Y avg ≈4.8% | ≈4.8% | · | · | |
| Net Income YoY | 21.8%5Y avg ≈0.81% | ≈0.81% | · | · | |
| EPS CAGR 3Y | 7.4%5Y avg ≈-2.9% | ≈-2.9% | · | · | |
| EPS CAGR 5Y | 2.2% | · | · | · | |
| Net Income CAGR 3Y | 3.7%5Y avg ≈-5.8% | ≈-5.8% | · | · | |
| Net Income CAGR 5Y | -1.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | SBFG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio27.5%
Annualized Payout≈$0.64
5Y Div CAGR≈9.5%
Growth Streak≈11
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 14, 2026 | $0.16 | USD | ≈2.3% |
| May 15, 2026 | $0.16 | USD | ≈2.9% |
| Feb 13, 2026 | $0.16 | USD | ≈2.9% |
| Nov 14, 2025 | $0.16 | USD | ≈2.9% |
| Aug 15, 2025 | $0.15 | USD | ≈2.9% |
| May 16, 2025 | $0.15 | USD | ≈3.0% |
| Feb 14, 2025 | $0.15 | USD | ≈2.4% |
| Nov 8, 2024 | $0.15 | USD | ≈3.0% |
| Aug 9, 2024 | $0.14 | USD | ≈3.6% |
| May 9, 2024 | $0.14 | USD | ≈4.0% |
| Feb 8, 2024 | $0.14 | USD | ≈3.4% |
| Nov 9, 2023 | $0.14 | USD | ≈3.9% |
| Aug 10, 2023 | $0.13 | USD | ≈3.7% |
| May 11, 2023 | $0.13 | USD | ≈4.2% |
| Feb 9, 2023 | $0.13 | USD | ≈2.9% |
| Nov 9, 2022 | $0.13 | USD | ≈2.9% |
| Aug 11, 2022 | $0.12 | USD | ≈2.8% |
| May 12, 2022 | $0.12 | USD | ≈2.5% |
| Feb 10, 2022 | $0.12 | USD | ≈2.2% |
| Nov 10, 2021 | $0.11 | USD | ≈2.3% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.43%
Next Report
Oct 28, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.72 | $0.70 | 2.3% |
| March 31, 2026 | $0.69 | $0.61 | 12.7% | |
| Dec. 31, 2025 | $0.63 | $0.65 | -3.5% | |
| Sept. 30, 2025 | $0.64 | $0.63 | 1.2% | |
| June 30, 2025 | $0.60 | $0.55 | 8.9% | |
| March 31, 2025 | $0.33 | $0.41 | -19.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $19M | $5M | $4M | $7M | $10M | $6M | |
| Interest Income | $74M | $64M | $58M | $45M | $42M | $43M | $44M | $39M | |
| Pretax Income | $17M | $14M | $15M | $15M | $23M | $18M | $15M | $14M | |
| Income Tax | $3M | $2M | $3M | $3M | $4M | $3M | $3M | $3M | |
| Net Income | $14M | $11M | $12M | $13M | $18M | $15M | $12M | $12M | |
| EPS (Basic) | $2.19 | $1.72 | $1.77 | $1.79 | $2.58 | $1.96 | $1.71 | $1.72 | |
| EPS (Diluted) | $2.19 | $1.72 | $1.75 | $1.77 | $2.56 | $1.96 | $1.51 | $1.51 | |
| Shares (Basic) | 6,369,000 | 6,660,000 | 6,829,000 | 7,005,000 | 7,130,000 | 7,613,000 | 6,456,000 | 6,198 | |
| Shares (Diluted) | 6,388,000 | 6,680,000 | 6,917,000 | 7,078,000 | 7,130,000 | 7,635,000 | 7,935,000 | 7,719 | |
| EBITDA | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $150M | $141M | $27M | $48M | |
| Short-term Investments | · | · | · | · | · | · | · | $91M | |
| PP&E (Net) | $22M | $20M | $21M | $23M | $23M | $24M | $23M | $22M | |
| PP&E (Gross) | $52M | $48M | $47M | $46M | $45M | $43M | $42M | $41M | |
| Accum. Depreciation | $30M | $28M | $26M | $24M | $22M | $20M | $18M | $19M | |
| Goodwill | $27M | $23M | $23M | $23M | $23M | $22M | $18M | $16M | |
| Intangibles | $1M | · | · | · | · | · | · | · | |
| Total Assets | $1.55B | $1.38B | $1.34B | $1.34B | $1.33B | $1.26B | $1.04B | $987M | |
| Short-term Debt | $9M | $11M | $13M | $15M | $15M | $20M | $13M | · | |
| Total Liabilities | $1.40B | $1.25B | $1.22B | $1.22B | $1.19B | $1.11B | $902M | $856M | |
| Total Debt | $9M | $30M | · | $20M | $20M | $20M | $13M | · | |
| Common Stock | $61M | $61M | $61M | $61M | $54M | $54M | $54M | $40M | |
| Paid-in Capital | $15M | $15M | $15M | $15M | · | · | · | · | |
| Retained Earnings | $126M | $116M | $108M | $102M | $100M | $85M | $73M | $64M | |
| Treasury Stock | $40M | $35M | $31M | $28M | $22M | $13M | $7M | $3M | |
| AOCI | $-21M | $-30M | $-30M | $-32M | $-2M | $2M | $659.0K | $-552.0K | |
| Stockholders' Equity | $141M | $128M | $124M | $118M | $145M | $143M | $136M | $130M | |
| Liabilities + Equity | $1.55B | $1.38B | $1.34B | $1.34B | $1.33B | $1.26B | $1.04B | $987M | |
| Shares Outstanding | · | · | · | · | 345,000 | · | · | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $536.0K | $637.0K | $576.0K | $568.0K | $443.0K | $382.0K | $417.0K | $278.0K | |
| Deferred Tax | $-111.0K | $2M | $2M | $3M | $2M | $-2M | $-279.0K | $324.0K | |
| Amort. of Intangibles | $237.0K | $66.0K | $90.0K | $69.0K | $71.0K | $46.0K | $8.0K | $10.0K | |
| Other Non-cash | $7M | $-7M | $-3M | $8M | $-6M | $9M | $5M | · | |
| Operating Cash Flow | $24M | $9M | $14M | $26M | $17M | $24M | $19M | $14M | |
| CapEx | $3M | $1M | $958.0K | $2M | $2M | $2M | $2M | $2M | |
| Investing Cash Flow | $-68M | $-29M | $-17M | $-166M | $-72M | $-57M | $-68M | $-88M | |
| Stock Issued | · | · | · | · | · | · | $139.0K | $28M | |
| Stock Repurchased | $6M | $5M | $3M | $6M | $10M | $7M | $5M | $109.0K | |
| Net Stock Activity | $-6M | $-5M | $-3M | $-6M | $-10M | $-7M | $-5M | · | |
| Dividends Paid | $4M | $4M | $4M | $3M | $3M | $3M | $2M | $2M | |
| Financing Cash Flow | $90M | $22M | $-1M | $18M | $64M | $147M | $27M | $95M | |
| Net Change in Cash | · | · | · | · | · | · | $-21M | $22M | |
| Free Cash Flow | $21M | $8M | $13M | $24M | $15M | $22M | $17M | · | |
| Levered FCF | · | · | $-2M | $19M | $12M | $16M | $9M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 21.3% | 20.1% | 21.2% | 21.7% | 27.1% | 22.5% | 22.7% | · | |
| Pretax Margin | 26.3% | 24.3% | 25.8% | 26.6% | 33.7% | 27.7% | 27.7% | · | |
| EBITDA Margin | 3.4% | 3.8% | 3.9% | 3.8% | 3.4% | 2.9% | 3.6% | · | |
| ROA | 0.96% | 0.84% | 0.90% | 0.94% | 1.4% | 1.3% | 1.2% | · | |
| ROE | 10.2% | 8.8% | 10.2% | 10.8% | 12.6% | 10.5% | 8.9% | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.2 | · | 0.2 | 0.1 | 0.1 | 0.1 | · | |
| LT Debt / Equity | · | 0.2 | · | 0.2 | 0.1 | · | · | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | · | $420.08 | · | · | · | |
| Revenue / Share | $10.26 | $8.52 | $8.24 | · | $9.47 | $8.71 | $6659.36 | · | |
| Cash Flow / Share | $3.76 | $1.41 | $2.02 | · | $2.42 | $3.13 | $2372.90 | · | |
| Cash / Share | · | · | · | · | $433.37 | · | · | · | |
| Dividend / Share | · | · | · | · | · | $0.40 | $0.65 | $0.65 | |
| Dividend Paid / Share | $0.60 | $0.56 | $0.52 | $0.48 | · | · | · | · | |
| EPS (TTM) | $2.19 | $1.72 | $1.75 | $1.77 | $2.56 | $1.96 | $1.51 | $1.51 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 15.1% | -0.10% | -1.1% | -14.7% | 9.8% | · | · | · | |
| Revenue CAGR 3Y | 4.4% | -5.5% | -2.5% | · | · | · | · | · | |
| Revenue CAGR 5Y | 1.3% | · | · | · | · | · | · | · | |
| EPS YoY | 27.3% | -1.7% | -1.1% | -30.9% | 30.6% | · | · | · | |
| EPS CAGR 3Y | 7.4% | -12.4% | -3.7% | · | · | · | · | · | |
| EPS CAGR 5Y | 2.2% | · | · | · | · | · | · | · | |
| Net Income YoY | 21.8% | -5.2% | -3.4% | -31.5% | 22.3% | · | · | · | |
| Net Income CAGR 3Y | 3.7% | -14.4% | -6.8% | · | · | · | · | · | |
| Net Income CAGR 5Y | -1.3% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 4.6% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $14M | $11M | $12M | $13M | $18M | $15M | $12M | $12M | |
| Market Cap | · | · | · | · | $6M | · | · | · | |
| Enterprise Value | · | · | · | · | $-124M | · | · | · | |
| P/E | 10.2 | 12.2 | 8.8 | 9.6 | 7.3 | 8.9 | 12.4 | 10.4 | |
| P/B | · | · | · | · | 0.0 | · | · | · | |
| P / Tangible Book | · | · | · | · | 0.1 | · | · | · | |
| P / Cash Flow | · | · | · | · | 0.4 | · | · | · | |
| P / FCF | · | · | · | · | 0.4 | · | · | · | |
| EV / EBITDA | · | · | · | · | -54.6 | · | · | · | |
| EV / FCF | · | · | · | · | -8.3 | · | · | · | |
| Dividend Yield | · | · | · | · | 48.6% | · | · | · | |
| Earnings Yield | 9.8% | 8.2% | 11.4% | 10.4% | 13.7% | 11.3% | 8.1% | 9.6% | |
| Payout Ratio | 27.5% | 32.9% | 29.6% | 27.3% | 17.2% | 20.5% | 19.5% | · | |
| Annual Payout | $4M | $4M | $4M | $3M | $3M | $3M | $2M | $2M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $6M | · | $5M | $5M | $4M | $2M | $1M | |
| Interest Income | $20M | $19M | $19M | $19M | $18M | $17M | $17M | $17M | $16M | $15M | $15M | $15M | $14M | $14M | $13M | $12M | |
| Pretax Income | $6M | $5M | $5M | $5M | $5M | $3M | $5M | $3M | $3M | $3M | $5M | $3M | $4M | $3M | $4M | $4M | |
| Income Tax | $1M | $985.0K | $1M | $910.0K | $875.0K | $431.0K | $892.0K | $752.0K | $261.0K | $481.0K | $937.0K | $537.0K | $631.0K | $517.0K | $812.0K | $746.0K | |
| Net Income | $4M | $4M | $4M | $4M | $4M | $2M | $4M | $2M | $3M | $2M | $4M | $3M | $3M | $2M | $4M | $3M | |
| EPS (Basic) | $0.72 | $0.69 | $0.62 | $0.64 | $0.60 | $0.33 | $0.55 | $0.35 | $0.47 | $0.35 | $0.57 | $0.40 | $0.45 | $0.35 | $0.51 | $0.48 | |
| EPS (Diluted) | $0.72 | $0.69 | $0.62 | $0.64 | $0.60 | $0.33 | $0.55 | $0.35 | $0.47 | $0.35 | $0.57 | $0.39 | $0.44 | $0.35 | $0.50 | $0.47 | |
| Shares (Basic) | 6,205,000 | 6,230,000 | · | 6,297,000 | 6,448,000 | 6,481,000 | · | 6,660,000 | 6,692,000 | 6,715,000 | · | 6,791,000 | 6,847,000 | 6,933,000 | · | 6,968,000 | |
| Shares (Diluted) | 6,220,000 | 6,243,000 | · | 6,311,000 | 6,459,000 | 6,502,000 | · | 6,675,000 | 6,700,000 | 6,723,000 | · | 6,878,000 | 6,910,000 | 7,008,000 | · | 7,033,000 | |
| EBITDA | · | $582.0K | · | · | · | $544.0K | · | · | · | $552.0K | · | · | · | $546.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $21M | $21M | $22M | $22M | $22M | $22M | $20M | $21M | $21M | $21M | $21M | $22M | $22M | $23M | $23M | $23M | |
| PP&E (Gross) | · | · | $52M | · | · | · | $48M | · | · | · | $47M | · | · | · | $46M | · | |
| Accum. Depreciation | · | · | $30M | · | · | · | $28M | · | · | · | $26M | · | · | · | $24M | · | |
| Goodwill | $27M | $27M | $27M | $27M | $27M | $27M | $23M | $23M | $23M | $23M | $23M | $23M | $23M | $23M | $23M | · | |
| Intangibles | · | · | $1M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Total Assets | $1.62B | $1.60B | $1.55B | $1.50B | $1.49B | $1.50B | $1.38B | $1.39B | $1.34B | $1.34B | $1.34B | $1.33B | $1.34B | $1.34B | $1.34B | $1.30B | |
| Short-term Debt | $7M | $9M | $9M | $11M | $16M | $11M | $11M | $15M | $15M | $13M | $13M | $17M | · | · | · | $20M | |
| Total Liabilities | $1.47B | $1.46B | $1.40B | $1.36B | $1.35B | $1.37B | $1.25B | $1.26B | $1.22B | $1.21B | $1.22B | $1.21B | $1.22B | $1.22B | $1.22B | $1.19B | |
| Total Debt | $7M | $9M | · | $11M | $16M | $11M | · | $35M | $35M | $33M | · | $36M | · | · | · | $39M | |
| Common Stock | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | $61M | |
| Paid-in Capital | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | $15M | · | $15M | · | |
| Retained Earnings | $133M | $130M | $126M | $123M | $120M | $117M | $116M | $114M | $112M | $110M | $108M | $106M | $104M | $102M | $102M | $99M | |
| Treasury Stock | $41M | $40M | $40M | $39M | $38M | $35M | $35M | $32M | $31M | $31M | $31M | $30M | $30M | $28M | $28M | $28M | |
| AOCI | $-22M | $-22M | $-21M | $-23M | $-25M | $-27M | $-30M | $-25M | $-32M | $-32M | $-30M | $-40M | $-33M | $-30M | $-32M | $-33M | |
| Stockholders' Equity | $147M | $144M | $141M | $137M | $134M | $132M | $128M | $133M | $125M | $124M | $124M | $112M | $118M | $120M | $118M | $115M | |
| Liabilities + Equity | $1.62B | $1.60B | $1.55B | $1.50B | $1.49B | $1.50B | $1.38B | $1.39B | $1.34B | $1.34B | $1.34B | $1.33B | $1.34B | $1.34B | $1.34B | $1.30B | |
| Shares Outstanding | · | · | · | · | · | · | · | · | · | · | · | · | · | 345,000 | · | 345,000 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $573.0K | $582.0K | $562.0K | $546.0K | $546.0K | $544.0K | $541.0K | $534.0K | $524.0K | $552.0K | $557.0K | $568.0K | $564.0K | $546.0K | $562.0K | $542.0K | |
| Stock-based Comp | $210.0K | $155.0K | $74.0K | $121.0K | $184.0K | $157.0K | $104.0K | $149.0K | $217.0K | $167.0K | $87.0K | $123.0K | $201.0K | $165.0K | $89.0K | $124.0K | |
| Amort. of Intangibles | $59.0K | $60.0K | $59.0K | $59.0K | $18.0K | $101.0K | $16.0K | $17.0K | $16.0K | $17.0K | $24.0K | $23.0K | $22.0K | $21.0K | $17.0K | $18.0K | |
| Other Non-cash | · | $-8M | · | · | · | $4M | · | · | · | $-3M | · | · | · | $-7M | · | · | |
| Operating Cash Flow | $7M | $-3M | $8M | $13M | $-4M | $7M | $6M | $4M | $-434.0K | $308.0K | $7M | $8M | $3M | $-4M | $13M | $9M | |
| CapEx | $366.0K | $229.0K | $698.0K | $453.0K | $528.0K | $923.0K | $282.0K | $389.0K | $399.0K | $159.0K | $175.0K | $272.0K | $173.0K | $338.0K | $583.0K | $269.0K | |
| Investing Cash Flow | $-5M | $2M | $-63M | $-12M | $-2M | $9M | $-14M | $-19M | $-8M | $12M | $-7M | $4M | $-5M | $-9M | $-33M | $-22M | |
| Stock Repurchased | $626.0K | $676.0K | $649.0K | $2M | $2M | $712.0K | $3M | $1M | $374.0K | $521.0K | $744.0K | $614.0K | $1M | $865.0K | $252.0K | $1M | |
| Net Stock Activity | · | $-676.0K | · | · | · | $-712.0K | · | · | · | $-521.0K | · | · | · | $-865.0K | · | · | |
| Dividends Paid | $1M | $976.0K | $977.0K | $949.0K | $976.0K | $947.0K | $964.0K | $943.0K | $946.0K | $917.0K | $918.0K | $891.0K | $898.0K | $877.0K | $876.0K | $841.0K | |
| Financing Cash Flow | $10M | $56M | $41M | $5M | $-20M | $63M | $-15M | $42M | $4M | $-8M | $4M | $-14M | $786.0K | $7M | $20M | $11M | |
| Free Cash Flow | · | $-3M | · | · | · | $6M | · | · | · | $149.0K | · | · | · | $-4M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-5M | · | · | · | $-7M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 25.1% | 24.7% | · | 24.4% | 22.4% | 14.0% | · | 16.4% | 22.2% | 18.0% | · | 19.6% | 21.7% | 17.8% | · | 23.1% | |
| Pretax Margin | 30.7% | 30.3% | · | 29.9% | 27.5% | 16.8% | · | 21.7% | 24.0% | 21.7% | · | 23.5% | 26.1% | 21.6% | · | · | |
| EBITDA Margin | · | 3.3% | · | · | · | 3.5% | · | · | · | 4.2% | · | · | · | 4.0% | · | · | |
| ROA | 0.29% | 0.28% | · | 0.28% | 0.27% | 0.15% | · | 0.17% | 0.23% | 0.18% | · | 0.20% | 0.23% | 0.18% | · | 0.25% | |
| ROE | 3.2% | 3.1% | · | 3.0% | 3.0% | 1.7% | · | 1.9% | 2.6% | 1.9% | · | 2.4% | 2.5% | 1.9% | · | 2.6% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.3 | 0.3 | 0.3 | · | 0.3 | · | · | · | 0.3 | |
| LT Debt / Equity | · | · | · | · | · | · | · | 0.1 | 0.2 | 0.2 | · | 0.2 | · | · | · | 0.2 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | · | · | · | · | · | · | · | · | · | · | $347.13 | · | $332.26 | |
| Revenue / Share | $2.88 | $2.79 | · | $2.63 | $2.66 | $2.37 | · | $2.14 | $2.10 | $1.95 | · | $1.99 | $2.05 | · | · | $2.06 | |
| Cash Flow / Share | · | $-0.48 | · | · | · | $1.03 | · | · | · | $0.05 | · | · | · | · | · | · | |
| Dividend Paid / Share | $0.16 | $0.15 | $0.15 | $0.15 | $0.15 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.14 | $0.13 | $0.13 | $0.12 | $0.12 | $0.12 | |
| EPS (TTM) | $2.67 | $2.55 | · | $2.12 | $1.83 | $1.70 | · | $1.74 | $1.78 | $1.75 | · | $1.68 | $1.76 | $1.72 | · | $1.76 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $17M | $16M | · | $14M | $12M | $11M | · | $12M | $12M | $12M | · | $12M | $12M | $12M | · | $12M | |
| Market Cap | · | · | · | · | · | · | · | · | · | · | · | · | · | $5M | · | $6M | |
| P/E | 9.5 | 8.2 | · | 9.1 | 10.4 | 12.2 | · | 11.8 | 7.9 | 7.9 | · | 8.0 | 7.2 | 8.2 | · | 9.6 | |
| P/B | · | · | · | · | · | · | · | · | · | · | · | · | · | 0.0 | · | 0.1 | |
| P / Tangible Book | · | · | · | · | · | · | · | · | · | · | · | · | · | 0.1 | · | 0.1 | |
| P / Cash Flow | · | · | · | · | · | · | · | · | · | · | · | · | · | -1.2 | · | · | |
| Dividend Yield | · | · | · | · | · | · | · | · | · | · | · | · | · | 70.8% | · | 57.4% | |
| Earnings Yield | 10.6% | 12.1% | · | 11.0% | 9.6% | 8.2% | · | 8.5% | 12.7% | 12.7% | · | 12.4% | 14.0% | 12.2% | · | 10.4% | |
| Payout Ratio | · | 22.7% | · | · | · | 43.9% | · | · | · | 38.7% | · | · | · | 35.8% | · | · | |
| Annual Payout | $4M | $4M | · | $4M | $4M | $4M | · | $4M | $4M | $4M | · | $4M | $3M | $3M | · | $3M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $14M | $11M | $12M | $13M | $18M |
| Diluted EPS | $2.19 | $1.72 | $1.75 | $1.77 | $2.56 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.2 | · | 0.2 | 0.1 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $21M | $8M | $13M | $24M | $15M |
Institutional owners (13F) 72 filers · $84.6M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
72
Value held
$84.6M
New positions
13
Exited positions
16
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 13 (+4 vs prior Q) | 16 (+11 vs prior Q) | 23 (+2 vs prior Q) | 19 (-5 vs prior Q) | -194K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11,823,631 | 467,892 | 13.97% | Shares |
| Cutler Capital Management, LLC | $9,801,014 | 387,852 | 11.58% | Shares |
| VANGUARD GROUP INC | $8,256,893 | 370,763 | 9.75% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $6,416,761 | 253,928 | 7.58% | Shares |
| STRATEGIC VALUE BANK PARTNERS LLC | $6,156,480 | 243,628 | 7.27% | Shares |
| AMERIPRISE FINANCIAL INC | $6,101,770 | 241,463 | 7.21% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $5,119,880 | 202,631 | 6.05% | Shares |
| BlackRock, Inc. | $4,013,306 | 158,817 | 4.74% | Shares |
| Truffle Hound Capital, LLC | $2,283,726 | 90,373 | 2.70% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,059,783 | 81,511 | 2.43% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $1,797,982 | 71,130 | 2.12% | Shares |
| GOLDMAN SACHS GROUP INC | $1,466,999 | 58,053 | 1.73% | Shares |
| MARSHALL WACE, LLP | $1,463,462 | 57,913 | 1.73% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,234,920 | 48,869 | 1.46% | Shares |
| GENDELL JEFFREY L | $1,169,647 | 46,286 | 1.38% | Shares |
| Empowered Funds, LLC | $1,162,951 | 46,021 | 1.37% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,006,908 | 39,846 | 1.19% | Shares |
| HSBC HOLDINGS PLC | $927,516 | 38,138 | 1.10% | Shares |
| FIRST MANHATTAN CO. LLC. | $900,294 | 35,627 | 1.06% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $898,854 | 35,570 | 1.06% | Shares |
| PL Capital Advisors, LLC | $836,462 | 33,101 | 0.99% | Shares |
| MORGAN STANLEY | $745,165 | 29,488 | 0.88% | Shares |
| BARCLAYS PLC | $691,741 | 27,374 | 0.82% | Shares |
| Petiole USA ltd | $668,063 | 26,437 | 0.79% | Shares |
| CITADEL ADVISORS LLC | $651,334 | 25,775 | 0.77% | Shares |
| Venture Visionary Partners LLC | $607,112 | 24,025 | 0.72% | Shares |
| Valmark Advisers, Inc. | $583,313 | 23,083 | 0.69% | Shares |
| MILLENNIUM MANAGEMENT LLC | $569,055 | 22,519 | 0.67% | Shares |
| STATE STREET CORP | $554,677 | 21,950 | 0.66% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $491,756 | 19,460 | 0.58% | Shares |
| PRINCETON CAPITAL MANAGEMENT LLC | $465,170 | 18,408 | 0.55% | Shares |
| ALLIANCEBERNSTEIN L.P. | $453,915 | 21,615 | 0.54% | Shares |
| NORTHERN TRUST CORP | $350,874 | 13,885 | 0.41% | Shares |
| BANK OF AMERICA CORP /DE/ | $347,766 | 13,762 | 0.41% | Shares |
| UBS Group AG | $320,019 | 12,664 | 0.38% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $288,988 | 11,436 | 0.34% | Shares |
| Quadrature Capital Ltd | $279,461 | 11,059 | 0.33% | Shares |
| Qube Research & Technologies Ltd | $250,704 | 9,921 | 0.30% | Shares |
| JANE STREET GROUP, LLC | $247,974 | 9,813 | 0.29% | Shares |
| Squarepoint Ops LLC | $222,679 | 8,812 | 0.26% | Shares |
| GLOBEFLEX CAPITAL L P | $179,038 | 7,085 | 0.21% | Shares |
| Aster Capital Management (DIFC) Ltd | $171,785 | 6,798 | 0.20% | Shares |
| SJS Investment Consulting Inc. | $95,876 | 3,794 | 0.11% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $75,102 | 2,972 | 0.09% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $73,904 | 2,986 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $71,489 | 2,829 | 0.08% | Shares |
| Farther Finance Advisors, LLC | $69,009 | 2,731 | 0.08% | Shares |
| WELLS FARGO & COMPANY/MN | $55,508 | 2,197 | 0.07% | Shares |
| RHUMBLINE ADVISERS | $55,265 | 2,187 | 0.07% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $34,418 | 1,362 | 0.04% | Shares |
Company insiders 32 insiders · 6 officers · 9 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Anthony Van Cosentino | EVP & CFO | Feb. 5, 2026 A | 56,438 | 0 | 0 | $0 |
| Steven A. Walz | EVP OF SUBSIDIARY | Feb. 5, 2026 F | 10,693 | 0 | 0 | $0 |
| Keeta Jane Diller | EVP OF SUBSIDIARY | Feb. 5, 2026 F | 5,567 | 0 | 0 | $0 |
| Garcia Juan Ernesto Gaytan | EVP OF SUBSIDIARY | Feb. 5, 2026 A | 20,409 | 0 | 0 | $0 |
| David A. Homoelle | EVP OF SUBSIDIARY | Feb. 13, 2025 S | 0 | 0 | 0 | $0 |
| Jonathan R. Gathman | EVP OF SUBSIDIARY | Feb. 5, 2020 M | 3,902 | 0 | 0 | $0 |
| Richard L Hardgrove | Director | Sept. 15, 2026 S | 10,736 | 0 | 3 | $-144,245 |
| Sue Ann Strausbaugh | Director | March 4, 2026 P | 2,850 | 1 | 0 | $993 |
| Timothy L. Claxton | Director | Feb. 5, 2026 A | 11,277 | 0 | 0 | $0 |
| Tom R Helberg | Director | Feb. 5, 2026 A | 8,246 | 0 | 0 | $0 |
| William G Martin | Director | Feb. 5, 2026 A | 17,767 | 0 | 0 | $0 |
| George W Carter | Director | Feb. 5, 2026 A | 19,135 | 0 | 0 | $0 |
| Timothy J. Stolly | Director | Feb. 5, 2026 A | 18,933 | 0 | 0 | $0 |
| Gaylyn J Finn | Director | Feb. 5, 2026 A | 14,599 | 0 | 0 | $0 |
| Gary M Cates | Director | Dec. 22, 2014 P | 5,120 | 0 | 0 | $0 |
| Mark A Klein | · | Feb. 5, 2026 A | 11,134 | 0 | 0 | $0 |
| Rita A Kissner | · | Feb. 5, 2026 A | 23,901 | 0 | 0 | $0 |
| Jr Robert A Fawcett | · | Aug. 5, 2022 A | 21,399 | 0 | 0 | $0 |
| Thomas L Sauer | · | Sept. 18, 2013 P | 10,050 | 0 | 0 | $0 |
| Lynn Azar Isaac | · | Aug. 2, 2013 P | 7,500 | 0 | 0 | $0 |
| Thomas A Buis | · | Nov. 22, 2010 P | 5,218 | 0 | 0 | $0 |
| Thomas M Callan | · | Nov. 19, 2010 P | 7,001 | 0 | 0 | $0 |
| Kenneth A Joyce | · | Sept. 10, 2008 P | 588 | 0 | 0 | $0 |
| Michael J Walz | · | July 24, 2008 P | 31,798 | 0 | 0 | $0 |
| Duane L Sinn | · | Feb. 1, 2008 P | 1,459 | 0 | 0 | $0 |
| Eric C Hench | · | June 13, 2005 P | 23,773 | 0 | 0 | $0 |
| Henry R Thiemann | · | March 16, 2005 A | · | 0 | 0 | $0 |
| Robert W Constien | · | March 16, 2005 A | · | 0 | 0 | $0 |
| James E Adams | · | March 16, 2005 A | 1,000 | 0 | 0 | $0 |
| John Fahl | · | May 6, 2004 P | 17,900 | 0 | 0 | $0 |
| Steven D Vandemark | · | Jan. 21, 2004 A | · | 0 | 0 | $0 |
| John R Compo | · | Jan. 21, 2004 A | · | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 13 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.04% | 20,076 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 23,403 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 8,680 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 539 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 9,052 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 1,184 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 732 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 333 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 69,298 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 179,278 SH | Aug. 19, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 89 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
SBFG Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$29.00
-1.4%
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-10-03Mean target $29.00 -1.4%
Low$29.00
Mean$29.00
High$29.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 6, 2026