SB Financial Group, Inc.: Business Overview, Financials & Competitive Analysis
SB Financial Group, Inc. scores 6/10 on the AskCyborg Cyborg Score (Solid). Solid regional bank with consistent earnings, attractive dividend yield (~3.0%), and stable community banking fundamentals. Recent earnings beat analyst estimates with $0.65 EPS versus $0.64 consensus, and strong net margin of 15.35%. The company maintains steady dividend payments and positive ROE metrics, though it faces typical regional bank.
What is SB Financial Group, Inc.'s industry? SB Financial Group, Inc. (yourstatebank.com) operates in Regional Banking & Financial Services. AskCyborg classifies SB Financial Group, Inc. under Regional Banking & Financial Services in its company registry.
SB Financial Group is a financial services holding company for The State Bank and Trust Company, providing a full range of financial services including wealth management, private client services, mortgage banking, and...
Cyborg Score thesis
Solid regional bank with consistent earnings, attractive dividend yield (~3.0%), and stable community banking...
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Get Current Report FreeSB Financial Group, Inc. Overview
Pro stress-test →SB Financial Group is a financial services holding company for The State Bank and Trust Company, providing a full range of financial services including wealth management, private client services, mortgage banking, and commercial and agricultural lending. The company operates primarily in Ohio, Indiana, and Michigan.
Strategic Profile
Pro stress-test →The firm offers checking, savings, money market accounts, certificates of deposit, commercial and residential mortgage loans, trust services, asset management, brokerage services, and insurance products. With a "Moderate Buy" consensus rating, the company demonstrates solid dividend yields and consistent earnings performance in the regional banking sector.
Competitive Landscape
Pro stress-test →SB Financial Group competes as a mid-sized regional bank against larger national banks and community banks in the Midwest. The company differentiates through personalized service, local market knowledge, and integrated wealth management and insurance offerings targeting small-to-mid-sized businesses and high-net-worth individuals.
Industry Context
SB Financial Group, Inc. operates in Regional Banking & Financial Services.
Key facts
Founded: 1902 · Headquarters: Defiance, Ohio · Revenue: $16.58M (Q4 2025)