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SB Financial GroupFRA:9KH +1.79%68 OCF Margin % is 38.09% as of Jun. 2026, which is 27% above its 10-year median of 29.92. GuruFocus rates FRA:9KH with a GF Score™ of 68/100 and a GF Value™ of €19.44 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,496 Banks companies, SB Financial Group ranks worse than 62.17% on this metric.
The historical data trend for SB Financial Group's OCF 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.
FRA:9KH vs ENBP, MNAT, BKUT: OCF Margin % Comparison
For the Banks - Regional subindustry, SB Financial Group's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SB Financial Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where SB Financial Group's OCF Margin % falls into.
* 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 (FRA:9KH) has a OCF Margin % of 38.09% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SB Financial Group and its competitors. This is 27% above median its historical median of 29.92. Over the past decade, SB Financial Group's OCF Margin % has ranged from 16.60 to 44.37. According to the industry distribution chart, SB Financial Group ranks #930 out of 1496 companies in the Banks industry, placing it in the top 62.2%.
Is SB Financial Group's OCF Margin % too high?
SB Financial Group's current OCF Margin % of 38.09% is 27% above median its 10-year median of 29.92. Over the past 10 years, this metric has ranged from a low of 16.60 to a high of 44.37. The Banks industry median OCF Margin % is 29.64. SB Financial Group's value of 38.09% is 28.5% above this industry median. Based on the distribution chart, SB Financial Group ranks #930 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, SB Financial Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's OCF Margin % compare to ENBP and MNAT?
According to the Banks industry distribution chart, SB Financial Group ranks #930 out of 1496 companies for OCF Margin %. This places SB Financial Group in the lower half of its industry. The industry median OCF Margin % is 29.64. SB Financial Group's value of 38.09% is 28.5% above this benchmark. Historically, SB Financial Group's own OCF Margin % has ranged from 16.60 to 44.37 over the past decade. While the company's 10-year median is 29.92 vs. the industry median of 29.64, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.64, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SB Financial Group's current OCF Margin % of 38.09% is 28.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SB Financial Group and its competitors. For the Banks industry, the median OCF Margin % is 29.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current OCF Margin % is 38.09%, which is 27% above median its own 10-year median of 29.92. 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 (FRA:9KH) is currently considered Modestly Overvalued. The stock's GF Value™ is €19.44, compared to a current price of €22.80 — trading 17.3% above its estimated fair value. The current OCF Margin % is 38.09%, which is 27% above median its 10-year median of 29.92 and 28.5% above the Banks industry median of 29.64. SB Financial Group's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For SB Financial Group (FRA:9KH), the current OCF Margin % is 38.09% 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 (FRA:9KH) Overvalued in 2026?
Based on GuruFocus' analysis, SB Financial Group stock appears to be overvalued.
The current stock price of €22.80 is trading 17.3% above its estimated GF Value™ of €19.44.
GuruFocus considers SB Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:9KH:
OCF Margin %: 38.09% (27% above median its 10-year median of 29.92)
GF Value™: €19.44 vs. price of €22.80 (17.3% above fair value)
Industry Position: 28.5% above the Banks median (#930 of 1496)
No single metric tells the full story. See the FRA:9KH 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.
68GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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