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SB Financial GroupSBFG -1.54%56 EV-to-OCF is 3.01 as of Aug. 19, 2026, which is 61% below its 10-year median of 7.76. GuruFocus rates SBFG with a GF Score™ of 56/100 and a GF Value™ of $23.21 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, SB Financial Group ranks better than 53.71% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, SB Financial Group's Enterprise Value is $74.53 Mil.
SB Financial Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $24.80 Mil. Therefore, SB Financial Group's EV-to-OCF for today is 3.01.
The historical rank and industry rank for SB Financial Group's EV-to-OCF or its related term are showing as below:
SBFG'
s EV-to-OCF Range Over the Past 10 Years
Min: -1.77 Med: 7.76 Max: 40.49
Current: 3.01
During the past 13 years, the highest EV-to-OCF of SB Financial Group was 40.49. The lowest was -1.77. And the median was 7.76.
SBFG's EV-to-OCF is ranked better than 53.71% of 1497
companies
in the Banks industry
Industry Median: 3.9
vs SBFG: 3.01
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SB Financial Group (NAS:SBFG) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SB Financial Group's PE Ratio (TTM) for today is calculated as:
SB Financial Group's share price for today is $26.75.
SB Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.680.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SB Financial Group EV-to-OCF Related Terms
SB Financial Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for SB Financial Group's EV-to-OCF 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.
For the Banks - Regional subindustry, SB Financial Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, SB Financial Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where SB Financial Group's EV-to-OCF falls into.
SB Financial Group's current Enterprise Value is $74.53 Mil.
SB Financial Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $24.80 Mil.
* 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 (SBFG) has a EV-to-OCF of 3.01 as of Aug. 19, 2026. This is 61% below median its historical median of 7.76. According to the industry distribution chart, SB Financial Group ranks #693 out of 1497 companies in the Banks industry, placing it in the top 46.3%.
Is SB Financial Group's EV-to-OCF too high?
SB Financial Group's current EV-to-OCF of 3.01 is 61% below median its 10-year median of 7.76. The Banks industry median EV-to-OCF is 3.90. SB Financial Group's value of 3.01 is 22.8% below this industry median. Based on the distribution chart, SB Financial Group ranks #693 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, SB Financial Group has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's EV-to-OCF compare to ENBP and MNAT?
According to the Banks industry distribution chart, SB Financial Group ranks #693 out of 1497 companies for EV-to-OCF. This puts SB Financial Group in the upper half of its industry. The industry median EV-to-OCF is 3.90. SB Financial Group's value of 3.01 is 22.8% below this benchmark. While the company's 10-year median is 7.76 vs. the industry median of 3.90, SB Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SB Financial Group's current EV-to-OCF of 3.01 is 22.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current EV-to-OCF is 3.01, which is 61% below median its own 10-year median of 7.76. 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 $23.21, compared to a current price of $26.75 — trading 15.3% above its estimated fair value. The current EV-to-OCF is 3.01, which is 61% below median its 10-year median of 7.76 and 22.8% below the Banks industry median of 3.90. SB Financial Group's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For SB Financial Group (SBFG), the current EV-to-OCF is 3.01 as of Aug. 19, 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 $26.75 is trading 15.3% above its estimated GF Value™ of $23.21.
GuruFocus considers SB Financial Group to be Modestly Overvalued.
Key valuation signals for SBFG:
EV-to-OCF: 3.01 (61% below median its 10-year median of 7.76)
GF Value™: $23.21 vs. price of $26.75 (15.3% above fair value)
Industry Position: 22.8% below the Banks median (#693 of 1497)
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 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.
56GF Score
Get the complete analysis for SBFG
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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