SBFG (SB Financial Group, Inc.) Stock Financials & Earnings | Market Cap Arena

SBFG (SB Financial Group, Inc.) Stock Financials & Earnings | Market Cap Arena

SBFGSB Financial Group, Inc.

Mkt Cap$127M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Revenue (TTM)$91M

Net Income (TTM)$14M

EPS (TTM)$2.20

Free Cash Flow (TTM)$20M

Gross Margin70.7%

Op. Margin18.9%

Net Margin15.3%

FCF Margin21.7%

P/S Ratio (TTM)1.4x

P/E Ratio (TTM)9.1x

YoY Rev Growth+12.0%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$17M	$14M	$3M
Q2 23	$19M	$14M	$4M
Q3 23	$19M	$14M	$3M
Q4 23	$21M	$15M	$5M
Q1 24	$19M	$13M	$3M
Q2 24	$20M	$14M	$3M
Q3 24	$21M	$14M	$3M
Q4 24	$21M	$16M	$5M
Q1 25	$21M	$15M	$3M
Q2 25	$24M	$17M	$5M
Q3 25	$23M	$16M	$5M
Q4 25	$23M	$16M	$5M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	1.9x	10.4x
Q2 23	1.8x	10.2x
Q3 23	1.8x	10.8x
Q4 23	1.7x	10.5x
Q1 24	1.6x	10.6x
Q2 24	1.6x	10.5x
Q3 24	1.6x	10.8x
Q4 24	1.6x	11.1x
Q1 25	1.5x	11.3x
Q2 25	1.5x	10.6x
Q3 25	1.4x	9.3x
Q4 25	1.4x	9.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	-$4M	-$4M
Q2 23	$3M	$3M
Q3 23	$8M	$8M
Q4 23	$7M	$7M
Q1 24	$308K	$149K
Q2 24	-$434K	-$833K
Q3 24	$4M	$3M
Q4 24	$6M	$6M
Q1 25	$7M	$6M
Q2 25	-$4M	-$4M
Q3 25	$13M	$12M
Q4 25	$8M	$6M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$338K
Q2 23	$173K
Q3 23	$272K
Q4 23	$175K
Q1 24	$159K
Q2 24	$399K
Q3 24	$389K
Q4 24	$282K
Q1 25	$923K
Q2 25	$528K
Q3 25	$453K
Q4 25	$2M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+15.1%	+23.3%
Q2 23	+23.9%	+28.9%
Q3 23	+19.9%	+34.3%
Q4 23	+24.1%	+28.7%
Q1 24	+10.1%	+12.9%
Q2 24	+6.8%	+10.7%
Q3 24	+9.0%	+11.6%
Q4 24	+3.6%	+6.6%
Q1 25	+11.6%	+15.2%
Q2 25	+17.3%	+12.7%
Q3 25	+11.5%	+3.0%
Q4 25	+7.9%	+7.3%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$165K	0.9%
Q2 23	$201K	1.1%
Q3 23	$123K	0.6%
Q4 23	$87K	0.4%
Q1 24	$167K	0.9%
Q2 24	$217K	1.1%
Q3 24	$149K	0.7%
Q4 24	$104K	0.5%
Q1 25	$157K	0.7%
Q2 25	$184K	0.8%
Q3 25	$121K	0.5%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$6M	$198K
Q2 23	$6M	$213K
Q3 23	$6M	$189K
Q4 23	$6M	$182K
Q1 24	$6M	$197K
Q2 24	$6M	$176K
Q3 24	$6M	$241K
Q4 24	$6M	$207K
Q1 25	$6M	$165K
Q2 25	$892K	$190K
Q3 25	$6M	$174K
Q4 25	$8M	$122K

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$23M	$238M	$261M
Q2 23	$22M	$228M	$250M
Q3 23	$20M	$213M	$233M
Q4 23	$25M	$220M	$244M
Q1 24	$29M	$213M	$242M
Q2 24	$24M	$208M	$232M
Q3 24	$51M	$212M	$263M
Q4 24	$27M	$172M	$199M
Q1 25	$107M	$170M	$276M
Q2 25	$81M	$166M	$247M
Q3 25	$87M	$44M	$131M
Q4 25	$72M	$8M	$79M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	7M	-0.2%
Q2 23	7M	-1.4%
Q3 23	7M	-0.5%
Q4 23	7M	-0.4%
Q1 24	7M	-1.9%
Q2 24	7M	-0.3%
Q3 24	7M	-0.4%
Q4 24	7M	-1.1%
Q1 25	7M	-1.5%
Q2 25	6M	-0.7%
Q3 25	6M	-2.3%
Q4 25	6M	-0.7%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$205K	182
FY 15	$202K	206
FY 16	$214K	219
FY 17	$212K	234
FY 18	$224K	250
FY 19	$253K	247
FY 20	$306K	238
FY 21	$279K	260
FY 22	$234K	268
FY 23	$302K	251
FY 24	$323K	252
FY 25	$358K	254