SB Financial GroupSBFG -1.60%64 ROE % is 12.06% as of Mar. 2026, which is 16% above its 10-year median of 10.39. 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 1,523 Banks companies, SB Financial Group ranks better than 61% on this metric.
The historical rank and industry rank for SB Financial Group's ROE % or its related term are showing as below:
SBFG'
s ROE % Range Over the Past 10 Years
Min: 8.98 Med: 10.39 Max: 12.7
Current: 11.73
During the past 13 years, SB Financial Group's highest ROE % was 12.70%. The lowest was 8.98%. And the median was 10.39%.
SBFG's ROE % is ranked better than 61% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs SBFG: 11.73
SB Financial Group (NAS:SBFG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
SB Financial Group ROE % Related Terms
SB Financial Group ROE % Historical Data
* Premium members only.
The historical data trend for SB Financial Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, SB Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where SB Financial Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
SB Financial Group (SBFG) has a ROE % of 12.06% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SB Financial Group and its competitors. This is 16% above median its historical median of 10.39. Over the past decade, SB Financial Group's ROE % has ranged from 8.98 to 12.70. According to the industry distribution chart, SB Financial Group ranks #594 out of 1523 companies in the Banks industry, placing it in the top 39%.
Is SB Financial Group's ROE % too high?
SB Financial Group's current ROE % of 12.06% is 16% above median its 10-year median of 10.39. Over the past 10 years, this metric has ranged from a low of 8.98 to a high of 12.70. The Banks industry median ROE % is 10.22. SB Financial Group's value of 12.06% is 18% above this industry median. Based on the distribution chart, SB Financial Group ranks #594 out of 1523 companies in the Banks industry, which is above 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 ROE % compare to DIMC and AFBI?
According to the Banks industry distribution chart, SB Financial Group ranks #594 out of 1523 companies for ROE %. This puts SB Financial Group in the upper half of its industry. The industry median ROE % is 10.22. SB Financial Group's value of 12.06% is 18% above this benchmark. Historically, SB Financial Group's own ROE % has ranged from 8.98 to 12.70 over the past decade. While the company's 10-year median is 10.39 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SB Financial Group's current ROE % of 12.06% is 18% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on SB Financial Group and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SB Financial Group's current ROE % is 12.06%, which is 16% above median its own 10-year median of 10.39. 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 ROE % is 12.06%, which is 16% above median its 10-year median of 10.39 and 18% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For SB Financial Group (SBFG), the current ROE % is 12.06% 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:
ROE %: 12.06% (16% above median its 10-year median of 10.39)
GF Value™: $22.02 vs. price of $23.43 (6.4% above fair value)
Industry Position: 18% above the Banks median (#594 of 1523)
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.
64GF Score
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