SB Financial Group (FRA:9KH) ROC %: % (As of Mar. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:9KH SB Financial Group Inc FRA:9KH
67 GF Score
Price €23.20
GF Value €19.02
Valuation Modestly Overvalued
! 6 Warning Signs
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What is SB Financial Group ROC %?

SB Financial Group FRA:9KH -1.69% 67 ROC % is % as of Mar. 2026. GuruFocus rates FRA:9KH with a GF Score™ of 67/100 and a GF Value™ of €19.02 (Modestly Overvalued). The stock has 6 warning signs investors should review.

ROC %does not apply to banks.

FRA:9KH
67GF Score
SB Financial Group Inc FRA:9KH
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
SB Financial Group (FRA:9KH) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on SB Financial Group and its competitors.
Is SB Financial Group's ROC % too high?
SB Financial Group's current ROC % is %. Overall, SB Financial Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SB Financial Group's ROC % compare to TYCB and RMBI?
SB Financial Group's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on SB Financial Group and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current ROC % is %. 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 €19.02, compared to a current price of €23.20 — trading 22% above its estimated fair value. The current ROC % is %. SB Financial Group's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For SB Financial Group (FRA:9KH), the current ROC % is % 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 (FRA:9KH) Overvalued in 2026?

Based on GuruFocus' analysis, SB Financial Group stock appears to be overvalued. The current stock price of €23.20 is trading 22% above its estimated GF Value™ of €19.02. GuruFocus considers SB Financial Group to be Modestly Overvalued.

Key valuation signals for FRA:9KH:

  • ROC %: %
  • GF Value™: €19.02 vs. price of €23.20 (22% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Other Exchanges SBFG:USA
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.
67GF Score

Get the complete analysis for FRA:9KH

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

€23.20
Price
€19.02
GF Value