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 0.40, 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 0.40 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 has increased (25.31%) in the last year from 14.10% to 17.67%, 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 11.79%, 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 12.87%, 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 1.03% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. 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 38.63 based on Discounted Cash Flow model

SB Financial Group, Inc. has an earnings yield of 10.17%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

SB Financial Group, Inc. is overvalued relative to its fair value price of 21.18 based on EBITDA multiple model

SB Financial Group, Inc. has an EV/EBITDA ratio of 4.34x, 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 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 1.12x, 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 1.74x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue