SBFG (SB Financial Group) Cyclically Adjusted Book per Share: $ (As of Jun. 2026)

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SBFG SB Financial Group Inc SBFG
55 GF Score
Price $29.47
GF Value $23.51
Valuation Modestly Overvalued
! 7 Warning Signs
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What is SB Financial Group Cyclically Adjusted Book per Share?

SB Financial Group SBFG +0.41% 55 Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus rates SBFG with a GF Score™ of 55/100 and a GF Value™ of $23.51 (Modestly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

SB Financial Group's adjusted book value per share for the three months ended in Jun. 2026 was $23.456. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $ for the trailing ten years ended in Jun. 2026.

During the past 12 months, SB Financial Group's average Cyclically Adjusted Book Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.10% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 6.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of SB Financial Group was 9.10% per year. The lowest was -0.20% per year. And the median was 3.80% per year.

As of today (2026-09-21), SB Financial Group's current stock price is $29.47. SB Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $. SB Financial Group's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of SB Financial Group was 1.51. The lowest was 0.67. And the median was 1.12.


SB Financial Group  (NAS:SBFG) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of SB Financial Group was 1.51. The lowest was 0.67. And the median was 1.12.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


SB Financial Group Cyclically Adjusted Book per Share Related Terms


SB Financial Group Cyclically Adjusted Book per Share Historical Data

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The historical data trend for SB Financial Group's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SB Financial Group Cyclically Adjusted Book per Share Chart

SB Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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SB Financial Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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SBFG vs INBC, PRMY, ARBV: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, SB Financial Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SB Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, SB Financial Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where SB Financial Group's Cyclically Adjusted PB Ratio falls into.


SBFG
55GF Score
SB Financial Group Inc SBFG
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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SB Financial Group Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, SB Financial Group's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=23.456/333.9520*333.9520
=23.456

Current CPI (Jun. 2026) = 333.9520.

SB Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
201609 14.186 241.428 19.623
201612 14.267 241.432 19.734
201703 14.608 243.801 20.010
201706 14.896 244.955 20.308
201709 15.302 246.819 20.704
201712 15.901 246.524 21.540
201803 15.993 249.554 21.402
201806 16.273 251.989 21.566
201809 16.568 252.439 21.918
201812 17.055 251.233 22.670
201903 17.326 254.202 22.762
201906 17.709 256.143 23.088
201909 18.128 256.759 23.578
201912 16.696 256.974 21.697
202003 16.707 258.115 21.616
202006 17.152 257.797 22.219
202009 17.756 260.280 22.782
202012 18.463 260.474 23.671
202103 18.933 264.877 23.870
202106 19.519 271.696 23.992
202109 19.705 274.310 23.989
202112 20.050 278.802 24.016
202203 18.653 287.504 21.667
202206 17.752 296.311 20.007
202209 16.492 296.808 18.556
202212 17.076 296.797 19.214
202303 17.213 301.836 19.045
202306 17.138 305.109 18.758
202309 16.587 307.789 17.997
202312 18.370 306.746 19.999
202403 18.279 312.332 19.544
202406 18.607 314.175 19.778
202409 19.891 315.301 21.068
202412 19.473 315.605 20.605
202503 20.140 319.799 21.031
202506 20.874 322.561 21.611
202509 21.706 324.800 22.318
202512 22.504 324.054 23.191
202603 22.857 330.213 23.116
202606 23.456 333.952 23.456

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $ mean?
SB Financial Group (SBFG) has a Cyclically Adjusted Book per Share of $ as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on SB Financial Group and its competitors.
Is SB Financial Group's Cyclically Adjusted Book per Share too high?
SB Financial Group's current Cyclically Adjusted Book per Share is $. Overall, SB Financial Group has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's Cyclically Adjusted Book per Share compare to INBC and PRMY?
SB Financial Group's Cyclically Adjusted Book per Share of $ can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on SB Financial Group and its competitors. SB Financial Group's current Cyclically Adjusted Book per Share is $. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, SB Financial Group (SBFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $23.51, compared to a current price of $29.47 — trading 25.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is $. SB Financial Group's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For SB Financial Group (SBFG), the current Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SB Financial Group (SBFG) Overvalued in 2026?

Based on GuruFocus' analysis, SB Financial Group stock appears to be overvalued. The current stock price of $29.47 is trading 25.4% above its estimated GF Value™ of $23.51. GuruFocus considers SB Financial Group to be Modestly Overvalued.

Key valuation signals for SBFG:

  • Cyclically Adjusted Book per Share: $
  • GF Value™: $23.51 vs. price of $29.47 (25.4% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the SBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SB Financial Group Business Description

Other Exchanges 9KH:Germany
Address 401 Clinton Street, P.O. Box 467, Defiance, OH, USA, 43512
SB Financial Group Inc that provides a range of community banking services, including commercial and consumer lending, personal and business banking, treasury management and merchant services, personal wealth management and brokerage services, and other financial services to individuals, businesses, and municipalities. It operates in a single segment, which is Banking.
55GF Score

Get the complete analysis for SBFG

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.47
Price
$23.51
GF Value