SB Financial Group, Inc. cash flow to debt ratio of 37.58% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

SB Financial Group, Inc.'s free cash flow has increased 160.73% from $8.22M last year to $21.44M, signaling increasing performance

SB Financial Group, Inc.'s debt to equity ratio is 0.41, which means that the company's assets are healthy financed, signaling financial stability.

SB Financial Group, Inc.'s debt has decreased relative to shareholder equity from 0.51 last year to 0.41 today, signaling strengthened financials

SB Financial Group, Inc. has a net cash position, so leverage is healthy.

SB Financial Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

SB Financial Group, Inc.'s profit margin was 14.10% last year and is 17.18% this year, signaling increasing performance

SB Financial Group, Inc.'s short-term liabilities of $1.32B exceed its short-term assets of $151.70M, signaling financial risk

SB Financial Group, Inc.'s return on assets of 1.03% is lower than the 5.00% threshold, indicating inefficient asset utilization

SB Financial Group, Inc.'s return on equity of 11.57%, is lower than 15.00%, indicating bad performance

SB Financial Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

SB Financial Group, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

SB Financial Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

SB Financial Group, Inc. has a free cash flow yield of 12.06%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

SB Financial Group, Inc.'s yearly earnings has increased 21.83% since last year from $11.47M to $13.97M, signaling increasing performance

SB Financial Group, Inc.'s yearly revenue has increased 11.87% since last year from $81.37M to $91.03M, signaling increasing performance

ROIC 7.27% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

SB Financial Group, Inc.'s 3-year revenue CAGR of 13.17% is positive, indicating growing revenue over the past 3 years

SB Financial Group, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

SB Financial Group, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

SB Financial Group, Inc. is undervalued relative to its fair value price of 61.43 based on Base Cash Flow Valuation (DCF) model

SB Financial Group, Inc. has an earnings yield of 9.46%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

SB Financial Group, Inc. is undervalued relative to its fair value price of 36.42 based on Base EBITDA Valuation model

SB Financial Group, Inc. has an EV/EBITDA ratio of 4.45x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

SB Financial Group, Inc. is undervalued relative to its fair value price of 39.95 based on Base Earnings Fair Value model

SB Financial Group, Inc. has a PEG-ratio over 1 which is considered overvalued

SB Financial Group, Inc. has a price-to-book ratio of 1.22x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

SB Financial Group, Inc. has a price-to-sales ratio of 1.82x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue