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SB Financial GroupSBFG -0.43%61 EV-to-FCF is 6.83 as of Jul. 14, 2026, which is 23% below its 10-year median of 8.88. GuruFocus rates SBFG with a GF Score™ of 61/100 and a GF Value™ of $22.12 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,199 Banks companies, SB Financial Group ranks worse than 51.13% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SB Financial Group's Enterprise Value is $84.91 Mil.
SB Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $12.43 Mil. Therefore, SB Financial Group's EV-to-FCF for today is 6.83.
The historical rank and industry rank for SB Financial Group's EV-to-FCF or its related term are showing as below:
SBFG'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.87 Med: 8.88 Max: 127.52
Current: 6.83
During the past 13 years, the highest EV-to-FCF of SB Financial Group was 127.52. The lowest was -1.87. And the median was 8.88.
SBFG's EV-to-FCF is ranked worse than 51.13% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs SBFG: 6.83
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $26.43.
SB Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.560.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SB Financial Group EV-to-FCF Related Terms
SB Financial Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for SB Financial Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, SB Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SB Financial Group's EV-to-FCF falls into.
SB Financial Group's current Enterprise Value is $84.91 Mil.
SB Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.43 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-FCF of 6.83 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SB Financial Group and its competitors. This is 23% below median its historical median of 8.88. According to the industry distribution chart, SB Financial Group ranks #613 out of 1199 companies in the Banks industry, placing it in the top 51.1%.
Is SB Financial Group's EV-to-FCF too high?
SB Financial Group's current EV-to-FCF of 6.83 is 23% below median its 10-year median of 8.88. The Banks industry median EV-to-FCF is 6.57. SB Financial Group's value of 6.83 is 4% above this industry median. Based on the distribution chart, SB Financial Group ranks #613 out of 1199 companies in the Banks industry, which is below the industry midpoint. Overall, SB Financial Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's EV-to-FCF compare to TYCB and RMBI?
According to the Banks industry distribution chart, SB Financial Group ranks #613 out of 1199 companies for EV-to-FCF. This places SB Financial Group in the lower half of its industry. The industry median EV-to-FCF is 6.57. SB Financial Group's value of 6.83 is 4% above this benchmark. While the company's 10-year median is 8.88 vs. the industry median of 6.57, SB Financial Group has consistently been above 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SB Financial Group's current EV-to-FCF of 6.83 is 4% above 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SB Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current EV-to-FCF is 6.83, which is 23% below median its own 10-year median of 8.88. 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 $22.12, compared to a current price of $26.43 — trading 19.5% above its estimated fair value. The current EV-to-FCF is 6.83, which is 23% below median its 10-year median of 8.88 and 4% above the Banks industry median of 6.57. SB Financial Group's overall GF Score™ is 61/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For SB Financial Group (SBFG), the current EV-to-FCF is 6.83 as of Jul. 14, 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 $26.43 is trading 19.5% above its estimated GF Value™ of $22.12.
GuruFocus considers SB Financial Group to be Modestly Overvalued.
Key valuation signals for SBFG:
EV-to-FCF: 6.83 (23% below median its 10-year median of 8.88)
GF Value™: $22.12 vs. price of $26.43 (19.5% above fair value)
Industry Position: 4% above the Banks median (#613 of 1199)
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.
61GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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