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SB Financial Group has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
SB Financial Group Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.GuruFocus does not calculate SB Financial Group's interest coverage with the available data. SB Financial Group's debt to revenue ratio for the quarter that ended in Dec. 2023 was 1.93. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
SB Financial Group's Interest Expense for the months ended in Dec. 2023 was $-5.54 Mil. Its Operating Income for the months ended in Dec. 2023 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $103.24 Mil.
SB Financial Group's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
SB Financial Group's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
Debt to Revenue Ratio | = | Total Debt (Q: Dec. 2023 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (13.387 | + | 103.242) | / | 60.46 | |
= | 1.93 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (NAS:SBFG) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
SB Financial Group has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Thank you for viewing the detailed overview of SB Financial Group's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Timothy J. Stolly | director | 700 BLUFF OAK TRAIL, LIMA OH 45807 |
Timothy L. Claxton | director | 327 BAROUCHE PL., FORT WAYNE IN 46845 |
Mark A Klein | officer: CHAIRMAN, PRESIDENT & CEO | 225 KETTENRING DRIVE, DEFIANCE OH 43512 |
William G Martin | director | 136 DEERFIELD CIRCLE, BRYAN OH 43506 |
Richard L Hardgrove | director | 1959 MARBLE CLIFF CROSSING CT., COLUMBUS OH 43204 |
Steven A. Walz | officer: EVP OF SUBSIDIARY | 324 NORTHWOOD DR., DEFIANCE OH 43512 |
George W Carter | director | 15316 RD 168, PO BOX 322, PAULDING OH 45879 |
Anthony Van Cosentino | officer: EVP OF SUBSIDIARY | 1600 BRIDGEWOOD COURT, DEFIANCE OH 43512 |
David A. Homoelle | officer: REGIONAL PRESIDENT OF SUBSIDIA | 903 GATEHOUSE LANE, COLUMBUS OH 43235 |
Keeta Jane Diller | officer: EVP OF SUBSIDIARY | 13801 FRUIT RIDGE ROAD, DEFIANCE OH 43512 |
Gaytan Garcia Juan Ernesto | officer: EVP OF SUBSIDIARY | 2103 SOUTH BROOKHILL LANE, CANTON MI 48188 |
Rita A Kissner | director | 135 BIEDE PLACE, DEFIANCE OH 43512 |
Tom R Helberg | director | 30600 N. PIMA RD., UNIT 50, SCOTTSDALE AZ 85266 |
Jonathan R. Gathman | other: EVP OF SUBSIDIARY | 703 BURNING TREE DRIVE, DEFIANCE OH 43512 |
Fawcett Jr Robert A | director | 172 EASTOWNE DRIVE, OTTAWA OH 45875 |
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