SBFG (SB Financial Group) FCF Margin %: -18.51% (As of Mar. 2026)


SBFG SB Financial Group Inc SBFG
64 GF Score
Price $23.43
GF Value $22.02
Valuation Fairly Valued
! 3 Warning Signs
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What is SB Financial Group FCF Margin %?

SB Financial Group SBFG -1.60% 64 FCF Margin % is -18.51% as of Mar. 2026. GuruFocus rates SBFG with a GF Score™ of 64/100 and a GF Value™ of $22.02 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, SB Financial Group ranks worse than 59.71% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. SB Financial Group's Free Cash Flow for the three months ended in Mar. 2026 was $-3.23 Mil. SB Financial Group's Revenue for the three months ended in Mar. 2026 was $17.42 Mil. Therefore, SB Financial Group's FCF Margin % for the quarter that ended in Mar. 2026 was -18.51%.

As of today, SB Financial Group's current FCF Yield % is 8.46%.

The historical rank and industry rank for SB Financial Group's FCF Margin % or its related term are showing as below:

SBFG' s FCF Margin % Range Over the Past 10 Years
Min: 13.35   Med: 26.04   Max: 41.08
Current: 18.39


During the past 13 years, the highest FCF Margin % of SB Financial Group was 41.08%. The lowest was 13.35%. And the median was 26.04%.

SBFG's FCF Margin % is ranked worse than
59.71% of 1504 companies
in the Banks industry
Industry Median: 26.5 vs SBFG: 18.39


SB Financial Group FCF Margin % Related Terms


SB Financial Group FCF Margin % Historical Data

* Premium members only.

The historical data trend for SB Financial Group's FCF Margin % 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 FCF Margin % Chart

SB Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.62 41.08 22.86 14.44 32.70

SB Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 37.57 -24.18 73.82 46.11 -18.51

SBFG vs DIMC, AFBI, BEOB: FCF Margin % Comparison

For the Banks - Regional subindustry, SB Financial Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, SB Financial Group's FCF Margin % distribution charts can be found below:

* The bar in red indicates where SB Financial Group's FCF Margin % falls into.


SBFG
64GF Score
SB Financial Group Inc SBFG
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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SB Financial Group FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

SB Financial Group's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=21.437/65.56
=32.70 %

SB Financial Group's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-3.225/17.424
=-18.51 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -18.51% mean?
SB Financial Group (SBFG) has a FCF Margin % of -18.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SB Financial Group and its competitors. Over the past decade, SB Financial Group's FCF Margin % has ranged from 13.35 to 41.08. According to the industry distribution chart, SB Financial Group ranks #898 out of 1504 companies in the Banks industry, placing it in the top 59.7%.
Is SB Financial Group's FCF Margin % too high?
SB Financial Group's current FCF Margin % is -18.51%. Over the past 10 years, this metric has ranged from a low of 13.35 to a high of 41.08. Based on the distribution chart, SB Financial Group ranks #898 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, SB Financial Group has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's FCF Margin % compare to DIMC and AFBI?
According to the Banks industry distribution chart, SB Financial Group ranks #898 out of 1504 companies for FCF Margin %. This places SB Financial Group in the lower half of its industry. The industry median FCF Margin % is 26.50. Historically, SB Financial Group's own FCF Margin % has ranged from 13.35 to 41.08 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SB Financial Group and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current FCF Margin % is -18.51%. 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 Fairly Valued. The stock's GF Value™ is $22.02, compared to a current price of $23.43 — trading 6.4% above its estimated fair value. The current FCF Margin % is -18.51%. SB Financial Group's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For SB Financial Group (SBFG), the current FCF Margin % is -18.51% as of Mar. 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 $23.43 is trading 6.4% above its estimated GF Value™ of $22.02. GuruFocus considers SB Financial Group to be Fairly Valued.

Key valuation signals for SBFG:

  • FCF Margin %: -18.51%
  • GF Value™: $22.02 vs. price of $23.43 (6.4% above fair value)
  • GF Score™: 64/100 with 3 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

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.
64GF Score

Get the complete analysis for SBFG

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.43
Price
$22.02
GF Value