SBFG · Sb Financial Group, Inc.
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Jan 20, 2022; bars on opposite sides are not compared.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Earning assets increase | $112.5M | the second quarter of 2026 filing | — |
| Funding costs | 2.34% | the second quarter of 2026 filing | — |
| Mortgage loans originated | $79.3M | the second quarter of 2026 filing | — |
| Mortgage loans sold | $70.3M | the second quarter of 2026 filing | — |
| Net chargeoffs | 193K | the second quarter of 2026 filing | — |
| Net mortgage banking revenue | $1.92M | the second quarter of 2026 filing | — |
| Noninterest income as a percentage of average assets | 1.24% | the second quarter of 2026 filing | — |
| Total delinquent loans | $3.8M | the second quarter of 2026 filing | — |
| adjusted diluted earnings per share non-GAAP | $0.73 | the second quarter | — |
| Adjusted tangible book value per share excluding AOCI non-GAAP | $22.57 | second quarter 2026 | — |
| Allowance for credit losses | $16.4M | second quarter 2026 | — |
| Allowance for credit losses as a percentage of total loans | 1.38% | the second quarter | — |
| Allowance for credit losses coverage of nonperforming loans | 470.2% | Jun. 2026 | — |
| average share buyback price | $22.06 | the second quarter | — |
| Coverage of non-performing loans | 470% | the second quarter | — |
| Deposit cost of funds | 181 | second quarter 2026 | — |
| Efficiency ratio | 67.3% | second quarter 2026 | — |
| Gross total delinquency rate | 32 | second quarter 2026 | — |
| Loan balances | $1.19B | second quarter 2026 | — |
| Loan-to-asset ratio | 73.43% | Q2 2026 | — |
| Loan-to-deposit ratio | 85.5% | second quarter 2026 | — |
| Loans to assets | 73.6% | second quarter 2026 | — |
| Mortgage originations | $79.3M | second quarter 2026 | — |
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| Mortgage servicing portfolio | 1.5B | Q2 2026 | — |
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| Mortgage servicing rights | 15.95M | Q2 2026 | — |
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| Net interest margin | 3.43% | second quarter 2026 | — |
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| non-performing assets to total assets | 0.27% | the second quarter | — |
| Nonperforming assets | $4.4M | second quarter 2026 | — |
| operating leverage | 1.9 | the second quarter | — |
| Pre-tax pre-provision income non-GAAP | $5.8M | Jun. 2026 | — |
| purchase or construction volume mix | 81% | the second quarter | — |
| shares repurchased | 28,000 | the second quarter | — |
| Tangible book value per share | $19.04 | second quarter 2026 | — |
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| Total deposits | $1.39B | second quarter 2026 | — |
| total mortgage gain on sale percentage | 2.19% | the second quarter | — |
| Total mortgage servicing portfolio | $1.5B | second quarter 2026 | — |
| Wealth Management assets under care | $556.9M | second quarter 2026 | — |
| Adjusted tangible book value per share non-GAAP | $21.44 | the fourth quarter | — |
| Nonperforming loans to total loans | 0.39% | the fourth quarter | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SBFG
this stock
Sb Financial Group, Inc.
|
$174.21M | +25.1% | — | 10.4 | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$124.52B | +39.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.23B | -35.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.5% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$101.11B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Jan 20, 2022; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SBFG | +2.8% | +5.6% | +35.5% | +6.0% | +25.1% |
| SPY | -1.2% | +3.3% | +12.2% | +2.2% | +12.0% |
| vs SPY | +4.0% | +2.3% | +23.3% | +3.8% | +13.1% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.