SB Financial Group（9KH）株式概要はステート・バンク・アンド・トラスト・カンパニーの金融持株会社として、主にオハイオ州、インディアナ州、ミシガン州の個人および法人顧客に対し、広範な商業銀行業務と資産管理サービスを提供している。 詳細9KH ファンダメンタル分析スノーフレーク・スコア評価4/6将来の成長0/6過去の実績4/6財務の健全性6/6配当金4/6報酬当社が推定した公正価値より44.5%で取引されている 過去1年間で収益は43.3%増加しました 2.79%の安定した配当金を支払う リスク分析German市場と比較した過去 3 か月間の株価の変動すべてのリスクチェックを見る9KH Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€18.70135.8% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture070m2016201920222025202620282031Revenue US$33.2mEarnings US$8.0mAdvancedSet Fair ValueView all narrativesSB Financial Group, Inc. 競合他社Merkur PrivatBank KgaASymbol: XTRA:MBKMarket cap: €108.1mUmweltBankSymbol: XTRA:UBKMarket cap: €156.9mProCredit HoldingSymbol: XTRA:PCZMarket cap: €493.6mPrimary BankSymbol: OTCPK:PRMYMarket cap: US$145.4m価格と性能株価の高値、安値、推移の概要SB Financial Group過去の株価現在の株価US$18.7052週高値US$19.7052週安値US$14.40ベータ0.211ヶ月の変化1.63%3ヶ月変化8.72%1年変化23.84%3年間の変化55.83%5年間の変化27.50%IPOからの変化39.77%最新ニュースNew Risk • May 25New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.お知らせ • Apr 24SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2026SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2026, For the period, the company reported Net charge-offs of $26,000 against $84,000 a year ago.お知らせ • Mar 27SB Financial Group, Inc. to Report Q1, 2026 Results on Apr 23, 2026SB Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026. Location: companys headquarters, at 401 clinton st., defiance, United Statesお知らせ • Jan 30SB Financial Group, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025SB Financial Group, Inc. reported net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs of $130,000 against $182,000 a year ago.お知らせ • Jan 09SB Financial Group, Inc. to Report Q4, 2025 Results on Jan 29, 2026SB Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Jan 29, 2026最新情報をもっと見るRecent updatesNew Risk • May 25New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.お知らせ • Apr 24SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2026SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2026, For the period, the company reported Net charge-offs of $26,000 against $84,000 a year ago.お知らせ • Mar 27SB Financial Group, Inc. to Report Q1, 2026 Results on Apr 23, 2026SB Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026. Location: companys headquarters, at 401 clinton st., defiance, United Statesお知らせ • Jan 30SB Financial Group, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025SB Financial Group, Inc. reported net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs of $130,000 against $182,000 a year ago.お知らせ • Jan 09SB Financial Group, Inc. to Report Q4, 2025 Results on Jan 29, 2026SB Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Jan 29, 2026お知らせ • Dec 20Sb Financial Group, Inc. Announces Board Changes, Effective December 17, 2025SB Financial Group, Inc. announced a planned transition on its Board of Directors. Effective December 17, 2025, Rita A. Kissner retired from the Company’s Board of Directors after more than 21 years of service. In recognition of her long-standing service and contributions, the Board has named Ms. Kissner Director Emeritus. In conjunction with this transition, the Board of Directors appointed Sue A. Strausbaugh to the Board, effective December 17, 2025. Sue has served on the Defiance Advisory Board for more than 13 years and brings a trusted perspective, entrepreneurial spirit, and deep understanding of strategy, customers, and communities as she steps into this expanded role.お知らせ • Oct 10SB Financial Group, Inc. to Report Q3, 2025 Results on Oct 30, 2025SB Financial Group, Inc. announced that they will report Q3, 2025 results After-Market on Oct 30, 2025お知らせ • Jul 25Sb Financial Group, Inc. Announces Net Charge-Offs for Second Quarter Ended June 30, 2025SB Financial Group, Inc. announced net charge-offs for the second quarter ended June 30, 2025. For the quarter, Company reports Net charge-offs of $46,000.お知らせ • Jun 27SB Financial Group, Inc. to Report Q2, 2025 Results on Jul 24, 2025SB Financial Group, Inc. announced that they will report Q2, 2025 results After-Market on Jul 24, 2025お知らせ • May 02SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2024SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2024, For the period, Company reports Net charge-offs of $85,000 against $57,000 a year ago.お知らせ • Apr 04SB Financial Group, Inc. to Report Q1, 2025 Results on May 01, 2025SB Financial Group, Inc. announced that they will report Q1, 2025 results After-Market on May 01, 2025お知らせ • Mar 10SB Financial Group, Inc., Annual General Meeting, Apr 16, 2025SB Financial Group, Inc., Annual General Meeting, Apr 16, 2025.お知らせ • Jan 24SB Financial Group, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024SB Financial Group, Inc. announced net charge-offs for the fourth quarter ended December 31, 2024, For the period, Company reports Net charge-offs of $182,000 against $4,000 a year ago.お知らせ • Jan 19SB Financial Group, Inc. (NasdaqCM:SBFG) completed the acquisition of Marblehead Bancorp.SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp in a transaction valued at approximately $5 million on August 14, 2024. A cash consideration of $5 million will be paid by SB Financial Group, Inc. As part of consideration, $196.31 is paid for each common equity of Marblehead Bancorp to shareholders of Marblehead Bancorp. The transaction is subject to approval by regulatory board. The transaction is subject to approval of Marblehead Bancorp shareholder. The deal has been unanimously approved by the SB Financial and Marblehead board. SB Financial intends to complete the transaction in the fourth quarter of 2024. Vorys Sater Seymour & Pease acted as legal advisor for SB Financial Group, Inc. Janney Montgomery Scott LLC acted as financial advisor for Marblehead Bancorp. Shumaker, Loop & Kendrick, LLP acted as legal advisor for Marblehead Bancorp. Janney Montgomery Scott LLC acted as fairness opinion provider for Marblehead Bancorp Board of Directors. SB Financial Group, Inc. (NasdaqCM:SBFG) completed the acquisition of Marblehead Bancorp on January 17, 2025. Upon the closing of the merger, Marblehead was combined and merged with and into SB Financial and Marblehead Bank was merged with and into State Bank.お知らせ • Jan 03SB Financial Group, Inc. to Report Q4, 2024 Results on Jan 23, 2025SB Financial Group, Inc. announced that they will report Q4, 2024 results After-Market on Jan 23, 2025Declared Dividend • Oct 28Third quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 8th November 2024 Payment date: 22nd November 2024 Dividend yield will be 2.9%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 6.4% over the next year. However, it would need to fall by 65% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.35 (vs US$0.40 in 3Q 2023)Third quarter 2024 results: EPS: US$0.35 (down from US$0.40 in 3Q 2023). Revenue: US$14.1m (up 2.4% from 3Q 2023). Net income: US$2.35m (down 12% from 3Q 2023). Profit margin: 17% (down from 20% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is expected to decline by 20% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.0%. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.お知らせ • Oct 04SB Financial Group, Inc. to Report Q3, 2024 Results on Oct 24, 2024SB Financial Group, Inc. announced that they will report Q3, 2024 results After-Market on Oct 24, 2024お知らせ • Aug 16SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp for $5 million.SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp for $5 million on August 14, 2024. A cash consideration of $5 million will be paid by SB Financial Group, Inc. As part of consideration, $196.31 is paid towards common equity of Marblehead Bancorp to shareholders of Marblehead Bancorp. The transaction is subject to approval by regulatory board. The transaction is subject to approval of Marblehead Bancorp shareholder. The deal has been unanimously approved by the SB Financial and Marblehead board. SB Financial intends to complete the transaction in the fourth quarter of 2024. Vorys Sater Seymour & Pease acted as legal advisor for SB Financial Group, Inc. Janney Montgomery Scott LLC acted as financial advisor for Marblehead Bancorp. Shumaker, Loop & Kendrick, LLP acted as legal advisor for Marblehead Bancorp. Janney Montgomery Scott LLC acted as fairness opinion provider for Marblehead Bancorp Board of Directors.Declared Dividend • Jul 29Second quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 9th August 2024 Payment date: 23rd August 2024 Dividend yield will be 3.8%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 7.6% over the next year. However, it would need to fall by 66% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.47 (vs US$0.45 in 2Q 2023)Second quarter 2024 results: EPS: US$0.47 (up from US$0.45 in 2Q 2023). Revenue: US$14.0m (up 1.5% from 2Q 2023). Net income: US$3.11m (up 1.5% from 2Q 2023). Profit margin: 22% (in line with 2Q 2023). Revenue is expected to decline by 21% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.2%. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.お知らせ • Jun 29SB Financial Group, Inc. to Report Q2, 2024 Results on Jul 18, 2024SB Financial Group, Inc. announced that they will report Q2, 2024 results After-Market on Jul 18, 2024Declared Dividend • Apr 29First quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 9th May 2024 Payment date: 24th May 2024 Dividend yield will be 4.0%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 8.6% over the next year. However, it would need to fall by 67% to increase the payout ratio to a potentially unsustainable range.Reported Earnings • Apr 19First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.35 in 1Q 2023)First quarter 2024 results: EPS: US$0.35. Revenue: US$13.1m (down 4.0% from 1Q 2023). Net income: US$2.37m (down 3.1% from 1Q 2023). Profit margin: 18% (in line with 1Q 2023). Revenue is expected to decline by 20% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.3%.お知らせ • Mar 30SB Financial Group, Inc. to Report Q1, 2024 Results on Apr 18, 2024SB Financial Group, Inc. announced that they will report Q1, 2024 results After-Market on Apr 18, 2024Reported Earnings • Mar 13Full year 2023 earnings released: EPS: US$1.77 (vs US$1.78 in FY 2022)Full year 2023 results: EPS: US$1.77 (down from US$1.78 in FY 2022). Revenue: US$56.7m (flat on FY 2022). Net income: US$12.1m (down 3.4% from FY 2022). Profit margin: 21% (in line with FY 2022). Net interest margin (NIM): 3.16% (down from 3.22% in FY 2022). Non-performing loans: 0.28% (down from 0.45% in FY 2022). Revenue is expected to decline by 19% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.8%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 17, 2024SB Financial Group, Inc., Annual General Meeting, Apr 17, 2024, at 10:30 Eastern Daylight. Agenda: To elect three (3) directors, each to serve for a term of three years; to ratify the appointment of FORVIS, LLP as the independent registered public accounting firm of SB Financial for the fiscal year ending December 31, 2024; to consider and vote upon a non-binding advisory resolution to approve the compensation of SB Financials named executive officer; and to transact such other business as may properly come before the Annual Meeting and any adjournment(s) thereof.New Risk • Feb 08New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 8.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Upcoming Dividend • Feb 01Upcoming dividend of US$0.14 per share at 3.5% yieldEligible shareholders must have bought the stock before 08 February 2024. Payment date: 23 February 2024. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.2%).Declared Dividend • Jan 29Fourth quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 8th February 2024 Payment date: 23rd February 2024 Dividend yield will be 3.5%, which is lower than the industry average of 4.7%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$1.77 (vs US$1.78 in FY 2022)Full year 2023 results: EPS: US$1.77 (down from US$1.78 in FY 2022). Revenue: US$56.7m (flat on FY 2022). Net income: US$12.1m (down 3.2% from FY 2022). Profit margin: 21% (in line with FY 2022). Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.New Risk • Jan 24New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: €90.2m (US$98.3m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Minor Risk Market cap is less than US$100m (€90.2m market cap, or US$98.3m).お知らせ • Jan 06SB Financial Group, Inc. to Report Q4, 2023 Results on Jan 25, 2024SB Financial Group, Inc. announced that they will report Q4, 2023 results After-Market on Jan 25, 2024Upcoming Dividend • Nov 02Upcoming dividend of US$0.14 per share at 3.8% yieldEligible shareholders must have bought the stock before 09 November 2023. Payment date: 24 November 2023. Payout ratio is a comfortable 7.3% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.4%).Reported Earnings • Nov 01Third quarter 2023 earnings released: EPS: US$0.40 (vs US$0.48 in 3Q 2022)Third quarter 2023 results: EPS: US$0.40 (down from US$0.48 in 3Q 2022). Revenue: US$13.7m (down 4.9% from 3Q 2022). Net income: US$2.69m (down 19% from 3Q 2022). Profit margin: 20% (down from 23% in 3Q 2022). Revenue is expected to decline by 21% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.0%.お知らせ • Oct 07SB Financial Group, Inc. to Report Q3, 2023 Results on Oct 30, 2023SB Financial Group, Inc. announced that they will report Q3, 2023 results After-Market on Oct 30, 2023New Risk • Aug 07New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 15% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 15% per year for the foreseeable future. Minor Risk Market cap is less than US$100m (€85.4m market cap, or US$93.9m).Upcoming Dividend • Aug 03Upcoming dividend of US$0.13 per share at 3.7% yieldEligible shareholders must have bought the stock before 10 August 2023. Payment date: 25 August 2023. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 3.7%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.0%).Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.45 (vs US$0.40 in 2Q 2022)Second quarter 2023 results: EPS: US$0.45 (up from US$0.40 in 2Q 2022). Revenue: US$14.0m (flat on 2Q 2022). Net income: US$3.08m (up 8.8% from 2Q 2022). Profit margin: 22% (up from 20% in 2Q 2022). Revenue is expected to decline by 18% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 4.0%.お知らせ • Jul 28Sb Financial Group, Inc. Announces Net Charges Off for Second Quarter Ended June 30, 2023SB Financial Group, Inc. announced net charges off for Second Quarter ended June 30, 2023. For the quarter, the company reported net charges off of $22,000 compared to $3,000 a year ago.お知らせ • Jul 08SB Financial Group, Inc. to Report Q2, 2023 Results on Jul 27, 2023SB Financial Group, Inc. announced that they will report Q2, 2023 results After-Market on Jul 27, 2023Upcoming Dividend • May 04Upcoming dividend of US$0.13 per share at 3.9% yieldEligible shareholders must have bought the stock before 11 May 2023. Payment date: 26 May 2023. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 3.9%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).Valuation Update With 7 Day Price Move • Mar 16Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €12.70, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 23% over the past year.Reported Earnings • Mar 09Full year 2022 earnings released: EPS: US$1.78 (vs US$2.46 in FY 2021)Full year 2022 results: EPS: US$1.78 (down from US$2.46 in FY 2021). Revenue: US$56.4m (down 12% from FY 2021). Net income: US$12.5m (down 32% from FY 2021). Profit margin: 22% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue. Revenue is expected to decline by 13% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 6.5%.Upcoming Dividend • Feb 02Upcoming dividend of US$0.13 per share at 3.0% yieldEligible shareholders must have bought the stock before 09 February 2023. Payment date: 24 February 2023. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (5.3%).Reported Earnings • Jan 28Full year 2022 earnings released: EPS: US$1.79 (vs US$2.46 in FY 2021)Full year 2022 results: EPS: US$1.79 (down from US$2.46 in FY 2021). Revenue: US$57.6m (down 10% from FY 2021). Net income: US$12.5m (down 31% from FY 2021). Profit margin: 22% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue.お知らせ • Jan 13SB Financial Group, Inc. to Report Q4, 2022 Results on Jan 26, 2023SB Financial Group, Inc. announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Jan 26, 2023Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 8 highly experienced directors. Independent Director Tim Claxton was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Nov 03Third quarter 2022 earnings released: EPS: US$0.48 (vs US$0.56 in 3Q 2021)Third quarter 2022 results: EPS: US$0.48 (down from US$0.56 in 3Q 2021). Revenue: US$14.5m (down 10% from 3Q 2021). Net income: US$3.34m (down 18% from 3Q 2021). Profit margin: 23% (down from 25% in 3Q 2021).Upcoming Dividend • Nov 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 November 2022. Payment date: 25 November 2022. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.6%).お知らせ • Oct 20SB Financial Group, Inc. to Report Q3, 2022 Results on Nov 01, 2022SB Financial Group, Inc. announced that they will report Q3, 2022 results After-Market on Nov 01, 2022Upcoming Dividend • Aug 04Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 11 August 2022. Payment date: 26 August 2022. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (7.1%).Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.40 (vs US$0.50 in 2Q 2021)Second quarter 2022 results: EPS: US$0.40 (down from US$0.50 in 2Q 2021). Revenue: US$14.3m (down 9.7% from 2Q 2021). Net income: US$2.83m (down 25% from 2Q 2021). Profit margin: 20% (down from 24% in 2Q 2021). Over the next year, revenue is expected to shrink by 33% compared to a 20% growth forecast for the industry in Germany.お知らせ • Jul 13SB Financial Group, Inc. to Report Q2, 2022 Results on Jul 25, 2022SB Financial Group, Inc. announced that they will report Q2, 2022 results After-Market on Jul 25, 2022Upcoming Dividend • May 05Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 12 May 2022. Payment date: 27 May 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.1%). Lower than average of industry peers (6.5%).Reported Earnings • Apr 30First quarter 2022 earnings released: EPS: US$0.40 (vs US$0.92 in 1Q 2021)First quarter 2022 results: EPS: US$0.40 (down from US$0.92 in 1Q 2021). Revenue: US$14.3m (down 17% from 1Q 2021). Net income: US$2.81m (down 60% from 1Q 2021). Profit margin: 20% (down from 41% in 1Q 2021). Over the next year, revenue is expected to shrink by 35% compared to a 8.9% growth forecast for the industry in Germany.Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 8 highly experienced directors. Independent Director Tim Claxton was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Apr 09SB Financial Group, Inc. to Report Q1, 2022 Results on Apr 28, 2022SB Financial Group, Inc. announced that they will report Q1, 2022 results After-Market on Apr 28, 2022Upcoming Dividend • Feb 03Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 10 February 2022. Payment date: 25 February 2022. Payout ratio is a comfortable 16% but the company is not cash flow positive. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (3.3%).Reported Earnings • Jan 30Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: US$2.58 (up from US$1.87 in FY 2020). Revenue: US$67.5m (up 3.7% from FY 2020). Net income: US$18.3m (up 22% from FY 2020). Profit margin: 27% (up from 23% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue missed analyst estimates by 1.1%. Over the next year, revenue is expected to shrink by 45% compared to a 11% growth forecast for the banks industry in Germany.お知らせ • Jan 29SB Financial Group, Inc. Reports Consolidated Unaudited Net Charge-Offs for the Fourth Quarter Ended December 31, 2021SB Financial Group, Inc. reported consolidated unaudited net charge-offs for the fourth quarter ended December 31, 2021. For the quarter, the company reported Net charge-offs were $7,000 against $18,000 a year ago.Upcoming Dividend • Nov 03Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 10 November 2021. Payment date: 26 November 2021. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.9%).Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.59 (vs US$0.69 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$16.4m (down 8.4% from 3Q 2020). Net income: US$4.10m (down 22% from 3Q 2020). Profit margin: 25% (down from 29% in 3Q 2020). The decrease in margin was driven by lower revenue.Executive Departure • Oct 03Executive Officer Jonathan Gathman has left the companyOn the 26th of September, Jonathan Gathman's tenure as Executive Officer ended after less than a year in the role. As of June 2021, Jonathan still personally held 35.12k shares (€544k worth at the time). Jonathan is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 11.58 years.Upcoming Dividend • Aug 05Upcoming dividend of US$0.11 per shareEligible shareholders must have bought the stock before 12 August 2021. Payment date: 27 August 2021. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (3.1%).Reported Earnings • Jul 27Second quarter 2021 earnings released: EPS US$0.53 (vs US$0.47 in 2Q 2020)The company reported a decent second quarter result with improved earnings and profit margins, although revenues were weaker. Second quarter 2021 results: Revenue: US$15.7m (down 9.2% from 2Q 2020). Net income: US$3.76m (up 3.0% from 2Q 2020). Profit margin: 24% (up from 21% in 2Q 2020). The increase in margin was driven by lower expenses.お知らせ • Jun 28+ 6 more updatesSB Financial Group, Inc.(NasdaqCM:SBFG) dropped from Russell 3000E Value IndexSB Financial Group, Inc.(NasdaqCM:SBFG) dropped from Russell 3000E Value Indexお知らせ • May 29SB Financial Group, Inc. announced that it has received $20 million in fundingSB Financial Group, Inc. (NasdaqCM:SBFG) announced that it has entered into a subordinated note purchase agreement for a private placement of 3.65% fixed-to-floating rate unsecured subordinated notes due 2031 for aggregate gross proceeds of $20 million on May 27, 2021. The transaction include participation from qualified institutional buyers. The notes will initially interest at 3.65% per annum, from and including May 27, 2021, to but excluding June 1, 2026 or the earlier redemption of the Notes, payable semi-annually in arrears on June 1 and December 1 of each year, beginning December 1, 2021. From and including June 1, 2026, to but excluding the Maturity Date i.e., June 1, 2031 or the earlier redemption of the notes, the notes will bear interest at a rate per annum, reset quarterly, equal to the then current secured overnight financing rate (SOFR) plus 296 basis points, payable quarterly in arrears on March 1, June 1, September 1, and December 1 of each year. The company may, at its option, on or after June 1, 2026, redeem the notes in whole or in part at any time at a redemption price equal to 100% of the outstanding principal amount to be redeemed, plus accrued but unpaid interest thereon to but excluding the date of redemption.Upcoming Dividend • May 06Upcoming dividend of US$0.11 per shareEligible shareholders must have bought the stock before 13 May 2021. Payment date: 28 May 2021. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.1%). Lower than average of industry peers (2.7%).Reported Earnings • May 02First quarter 2021 earnings released: EPS US$0.97 (vs US$0.087 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$19.8m (up 61% from 1Q 2020). Net income: US$7.08m (up US$6.40m from 1Q 2020). Profit margin: 36% (up from 5.5% in 1Q 2020). The increase in margin was driven by higher revenue.お知らせ • Apr 27Sb Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on May 28, 2021SB Financial Group, Inc. announced that its board of directors passed a resolution declaring a quarterly cash dividend of $0.11 per common share, payable on May 28, 2021, to shareholders of record as of May 14, 2021.Reported Earnings • Mar 10Full year 2020 earnings released: EPS US$1.96 (vs US$1.71 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$65.1m (up 23% from FY 2019). Net income: US$14.9m (up 36% from FY 2019). Profit margin: 23% (up from 21% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.82% in FY 2019). Non-performing loans: 0.83% (up from 0.77% in FY 2019).お知らせ • Mar 10SB Financial Group, Inc., Annual General Meeting, Apr 21, 2021SB Financial Group, Inc., Annual General Meeting, Apr 21, 2021, at 10:30 US Eastern Standard Time. Agenda: To elect three (3) directors, each to serve for a term of three years; to ratify the appointment of BKD, LLP as the independent registered public accounting firm of SB Financial for the fiscal year ending December 31, 2021; to consider and vote upon a non-binding advisory resolution to approve the compensation of SB Financial's named executive officers; and to transact such other business as may properly come before the Annual Meeting and any adjournment(s) thereof.Reported Earnings • Jan 30Full year 2020 earnings released: EPS US$1.96 (vs US$1.71 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$61.5m (up 16% from FY 2019). Net income: US$14.9m (up 36% from FY 2019). Profit margin: 24% (up from 21% in FY 2019). The increase in margin was driven by higher revenue.お知らせ • Jan 15SB Financial Group, Inc. to Report Q4, 2020 Results on Jan 28, 2021SB Financial Group, Inc. announced that they will report Q4, 2020 results After-Market on Jan 28, 2021株主還元9KHDE BanksDE 市場7D2.7%4.3%0.7%1Y23.8%38.6%2.2%株主還元を見る業界別リターン: 9KH過去 1 年間で38.6 % の収益を上げたGerman Banks業界を下回りました。リターン対市場: 9KH過去 1 年間で2.2 % の収益を上げたGerman市場を上回りました。価格変動Is 9KH's price volatile compared to industry and market?9KH volatility9KH Average Weekly Movement8.8%Banks Industry Average Movement3.9%Market Average Movement5.9%10% most volatile stocks in DE Market13.2%10% least volatile stocks in DE Market2.8%安定した株価: 9KHの株価は、 German市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 9KHの weekly volatility ( 9% ) は過去 1 年間安定していますが、依然としてGermanの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1902254Mark Kleinir.yourstatebank.comはステート・バンク・アンド・トラスト・カンパニーの金融持株会社として、主にオハイオ州、インディアナ州、ミシガン州の個人・法人顧客に幅広い商業銀行業務と資産管理サービスを提供している。当座預金、貯蓄預金、マネー・マーケット口座、定期預金証書、商業用、消費者用、農業用、住宅用モーゲージ・ローンを提供している。また、現金自動預け払い機、個人・法人信託、商業リース、銀行クレジットカード、貸金庫、インターネット・バンキング、個人顧客グループ、その他個人向けバンキング商品やサービスも提供している。さらに、個人や企業の従業員福利厚生制度向けの資産運用サービス、仲介サービスなど、様々な信託・金融サービスを提供している。さらに、リテールおよび法人顧客向けに保険商品を販売している。以前はラーバン・ファイナンシャル・コーポレーションとして知られていたが、2013年4月にSBフィナンシャル・グループに社名変更した。SBフィナンシャル・グループは1902年に設立され、オハイオ州ディファイアンスを拠点としている。もっと見るSB Financial Group, Inc. 基礎のまとめSB Financial Group の収益と売上を時価総額と比較するとどうか。9KH 基礎統計学時価総額€126.19m収益（TTM）€13.87m売上高(TTM)€57.21m8.9xPER（株価収益率1.0xPBR（株価純資産倍率9KH は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計9KH 損益計算書（TTM）収益US$66.31m売上原価US$0売上総利益US$66.31mその他の費用US$50.23m収益US$16.08m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）2.56グロス・マージン100.00%純利益率24.25%有利子負債／自己資本比率47.9%9KH の長期的なパフォーマンスは？過去の実績と比較を見る配当金2.8%現在の配当利回り24%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/15 18:51終値2026/06/15 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋SB Financial Group, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
New Risk • May 25New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
お知らせ • Apr 24SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2026SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2026, For the period, the company reported Net charge-offs of $26,000 against $84,000 a year ago.
お知らせ • Mar 27SB Financial Group, Inc. to Report Q1, 2026 Results on Apr 23, 2026SB Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026
お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026. Location: companys headquarters, at 401 clinton st., defiance, United States
お知らせ • Jan 30SB Financial Group, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025SB Financial Group, Inc. reported net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs of $130,000 against $182,000 a year ago.
お知らせ • Jan 09SB Financial Group, Inc. to Report Q4, 2025 Results on Jan 29, 2026SB Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Jan 29, 2026
New Risk • May 25New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
お知らせ • Apr 24SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2026SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2026, For the period, the company reported Net charge-offs of $26,000 against $84,000 a year ago.
お知らせ • Mar 27SB Financial Group, Inc. to Report Q1, 2026 Results on Apr 23, 2026SB Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 23, 2026
お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026SB Financial Group, Inc., Annual General Meeting, Apr 22, 2026. Location: companys headquarters, at 401 clinton st., defiance, United States
お知らせ • Jan 30SB Financial Group, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025SB Financial Group, Inc. reported net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs of $130,000 against $182,000 a year ago.
お知らせ • Jan 09SB Financial Group, Inc. to Report Q4, 2025 Results on Jan 29, 2026SB Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Jan 29, 2026
お知らせ • Dec 20Sb Financial Group, Inc. Announces Board Changes, Effective December 17, 2025SB Financial Group, Inc. announced a planned transition on its Board of Directors. Effective December 17, 2025, Rita A. Kissner retired from the Company’s Board of Directors after more than 21 years of service. In recognition of her long-standing service and contributions, the Board has named Ms. Kissner Director Emeritus. In conjunction with this transition, the Board of Directors appointed Sue A. Strausbaugh to the Board, effective December 17, 2025. Sue has served on the Defiance Advisory Board for more than 13 years and brings a trusted perspective, entrepreneurial spirit, and deep understanding of strategy, customers, and communities as she steps into this expanded role.
お知らせ • Oct 10SB Financial Group, Inc. to Report Q3, 2025 Results on Oct 30, 2025SB Financial Group, Inc. announced that they will report Q3, 2025 results After-Market on Oct 30, 2025
お知らせ • Jul 25Sb Financial Group, Inc. Announces Net Charge-Offs for Second Quarter Ended June 30, 2025SB Financial Group, Inc. announced net charge-offs for the second quarter ended June 30, 2025. For the quarter, Company reports Net charge-offs of $46,000.
お知らせ • Jun 27SB Financial Group, Inc. to Report Q2, 2025 Results on Jul 24, 2025SB Financial Group, Inc. announced that they will report Q2, 2025 results After-Market on Jul 24, 2025
お知らせ • May 02SB Financial Group, Inc. Announces Net Charge-Offs for the First Quarter Ended March 31, 2024SB Financial Group, Inc. announced net charge-offs for the first quarter ended March 31, 2024, For the period, Company reports Net charge-offs of $85,000 against $57,000 a year ago.
お知らせ • Apr 04SB Financial Group, Inc. to Report Q1, 2025 Results on May 01, 2025SB Financial Group, Inc. announced that they will report Q1, 2025 results After-Market on May 01, 2025
お知らせ • Mar 10SB Financial Group, Inc., Annual General Meeting, Apr 16, 2025SB Financial Group, Inc., Annual General Meeting, Apr 16, 2025.
お知らせ • Jan 24SB Financial Group, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2024SB Financial Group, Inc. announced net charge-offs for the fourth quarter ended December 31, 2024, For the period, Company reports Net charge-offs of $182,000 against $4,000 a year ago.
お知らせ • Jan 19SB Financial Group, Inc. (NasdaqCM:SBFG) completed the acquisition of Marblehead Bancorp.SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp in a transaction valued at approximately $5 million on August 14, 2024. A cash consideration of $5 million will be paid by SB Financial Group, Inc. As part of consideration, $196.31 is paid for each common equity of Marblehead Bancorp to shareholders of Marblehead Bancorp. The transaction is subject to approval by regulatory board. The transaction is subject to approval of Marblehead Bancorp shareholder. The deal has been unanimously approved by the SB Financial and Marblehead board. SB Financial intends to complete the transaction in the fourth quarter of 2024. Vorys Sater Seymour & Pease acted as legal advisor for SB Financial Group, Inc. Janney Montgomery Scott LLC acted as financial advisor for Marblehead Bancorp. Shumaker, Loop & Kendrick, LLP acted as legal advisor for Marblehead Bancorp. Janney Montgomery Scott LLC acted as fairness opinion provider for Marblehead Bancorp Board of Directors. SB Financial Group, Inc. (NasdaqCM:SBFG) completed the acquisition of Marblehead Bancorp on January 17, 2025. Upon the closing of the merger, Marblehead was combined and merged with and into SB Financial and Marblehead Bank was merged with and into State Bank.
お知らせ • Jan 03SB Financial Group, Inc. to Report Q4, 2024 Results on Jan 23, 2025SB Financial Group, Inc. announced that they will report Q4, 2024 results After-Market on Jan 23, 2025
Declared Dividend • Oct 28Third quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 8th November 2024 Payment date: 22nd November 2024 Dividend yield will be 2.9%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 6.4% over the next year. However, it would need to fall by 65% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.35 (vs US$0.40 in 3Q 2023)Third quarter 2024 results: EPS: US$0.35 (down from US$0.40 in 3Q 2023). Revenue: US$14.1m (up 2.4% from 3Q 2023). Net income: US$2.35m (down 12% from 3Q 2023). Profit margin: 17% (down from 20% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is expected to decline by 20% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.0%. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.
お知らせ • Oct 04SB Financial Group, Inc. to Report Q3, 2024 Results on Oct 24, 2024SB Financial Group, Inc. announced that they will report Q3, 2024 results After-Market on Oct 24, 2024
お知らせ • Aug 16SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp for $5 million.SB Financial Group, Inc. (NasdaqCM:SBFG) entered into a definitive agreement to acquire Marblehead Bancorp for $5 million on August 14, 2024. A cash consideration of $5 million will be paid by SB Financial Group, Inc. As part of consideration, $196.31 is paid towards common equity of Marblehead Bancorp to shareholders of Marblehead Bancorp. The transaction is subject to approval by regulatory board. The transaction is subject to approval of Marblehead Bancorp shareholder. The deal has been unanimously approved by the SB Financial and Marblehead board. SB Financial intends to complete the transaction in the fourth quarter of 2024. Vorys Sater Seymour & Pease acted as legal advisor for SB Financial Group, Inc. Janney Montgomery Scott LLC acted as financial advisor for Marblehead Bancorp. Shumaker, Loop & Kendrick, LLP acted as legal advisor for Marblehead Bancorp. Janney Montgomery Scott LLC acted as fairness opinion provider for Marblehead Bancorp Board of Directors.
Declared Dividend • Jul 29Second quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 9th August 2024 Payment date: 23rd August 2024 Dividend yield will be 3.8%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 7.6% over the next year. However, it would need to fall by 66% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Jul 19Second quarter 2024 earnings released: EPS: US$0.47 (vs US$0.45 in 2Q 2023)Second quarter 2024 results: EPS: US$0.47 (up from US$0.45 in 2Q 2023). Revenue: US$14.0m (up 1.5% from 2Q 2023). Net income: US$3.11m (up 1.5% from 2Q 2023). Profit margin: 22% (in line with 2Q 2023). Revenue is expected to decline by 21% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.2%. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.
お知らせ • Jun 29SB Financial Group, Inc. to Report Q2, 2024 Results on Jul 18, 2024SB Financial Group, Inc. announced that they will report Q2, 2024 results After-Market on Jul 18, 2024
Declared Dividend • Apr 29First quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 9th May 2024 Payment date: 24th May 2024 Dividend yield will be 4.0%, which is lower than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 8.6% over the next year. However, it would need to fall by 67% to increase the payout ratio to a potentially unsustainable range.
Reported Earnings • Apr 19First quarter 2024 earnings released: EPS: US$0.35 (vs US$0.35 in 1Q 2023)First quarter 2024 results: EPS: US$0.35. Revenue: US$13.1m (down 4.0% from 1Q 2023). Net income: US$2.37m (down 3.1% from 1Q 2023). Profit margin: 18% (in line with 1Q 2023). Revenue is expected to decline by 20% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.3%.
お知らせ • Mar 30SB Financial Group, Inc. to Report Q1, 2024 Results on Apr 18, 2024SB Financial Group, Inc. announced that they will report Q1, 2024 results After-Market on Apr 18, 2024
Reported Earnings • Mar 13Full year 2023 earnings released: EPS: US$1.77 (vs US$1.78 in FY 2022)Full year 2023 results: EPS: US$1.77 (down from US$1.78 in FY 2022). Revenue: US$56.7m (flat on FY 2022). Net income: US$12.1m (down 3.4% from FY 2022). Profit margin: 21% (in line with FY 2022). Net interest margin (NIM): 3.16% (down from 3.22% in FY 2022). Non-performing loans: 0.28% (down from 0.45% in FY 2022). Revenue is expected to decline by 19% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.8%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has only fallen by 6% per year, which means it has not declined as severely as earnings.
お知らせ • Mar 09SB Financial Group, Inc., Annual General Meeting, Apr 17, 2024SB Financial Group, Inc., Annual General Meeting, Apr 17, 2024, at 10:30 Eastern Daylight. Agenda: To elect three (3) directors, each to serve for a term of three years; to ratify the appointment of FORVIS, LLP as the independent registered public accounting firm of SB Financial for the fiscal year ending December 31, 2024; to consider and vote upon a non-binding advisory resolution to approve the compensation of SB Financials named executive officer; and to transact such other business as may properly come before the Annual Meeting and any adjournment(s) thereof.
New Risk • Feb 08New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 8.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Upcoming Dividend • Feb 01Upcoming dividend of US$0.14 per share at 3.5% yieldEligible shareholders must have bought the stock before 08 February 2024. Payment date: 23 February 2024. Trailing yield: 3.5%. Lower than top quartile of German dividend payers (5.0%). Lower than average of industry peers (6.2%).
Declared Dividend • Jan 29Fourth quarter dividend of US$0.14 announcedShareholders will receive a dividend of US$0.14. Ex-date: 8th February 2024 Payment date: 23rd February 2024 Dividend yield will be 3.5%, which is lower than the industry average of 4.7%. Sustainability & Growth The dividend has increased by an average of 19% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.
Reported Earnings • Jan 27Full year 2023 earnings released: EPS: US$1.77 (vs US$1.78 in FY 2022)Full year 2023 results: EPS: US$1.77 (down from US$1.78 in FY 2022). Revenue: US$56.7m (flat on FY 2022). Net income: US$12.1m (down 3.2% from FY 2022). Profit margin: 21% (in line with FY 2022). Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
New Risk • Jan 24New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: €90.2m (US$98.3m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Minor Risk Market cap is less than US$100m (€90.2m market cap, or US$98.3m).
お知らせ • Jan 06SB Financial Group, Inc. to Report Q4, 2023 Results on Jan 25, 2024SB Financial Group, Inc. announced that they will report Q4, 2023 results After-Market on Jan 25, 2024
Upcoming Dividend • Nov 02Upcoming dividend of US$0.14 per share at 3.8% yieldEligible shareholders must have bought the stock before 09 November 2023. Payment date: 24 November 2023. Payout ratio is a comfortable 7.3% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.4%).
Reported Earnings • Nov 01Third quarter 2023 earnings released: EPS: US$0.40 (vs US$0.48 in 3Q 2022)Third quarter 2023 results: EPS: US$0.40 (down from US$0.48 in 3Q 2022). Revenue: US$13.7m (down 4.9% from 3Q 2022). Net income: US$2.69m (down 19% from 3Q 2022). Profit margin: 20% (down from 23% in 3Q 2022). Revenue is expected to decline by 21% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 3.0%.
お知らせ • Oct 07SB Financial Group, Inc. to Report Q3, 2023 Results on Oct 30, 2023SB Financial Group, Inc. announced that they will report Q3, 2023 results After-Market on Oct 30, 2023
New Risk • Aug 07New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 15% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 15% per year for the foreseeable future. Minor Risk Market cap is less than US$100m (€85.4m market cap, or US$93.9m).
Upcoming Dividend • Aug 03Upcoming dividend of US$0.13 per share at 3.7% yieldEligible shareholders must have bought the stock before 10 August 2023. Payment date: 25 August 2023. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 3.7%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.0%).
Reported Earnings • Jul 29Second quarter 2023 earnings released: EPS: US$0.45 (vs US$0.40 in 2Q 2022)Second quarter 2023 results: EPS: US$0.45 (up from US$0.40 in 2Q 2022). Revenue: US$14.0m (flat on 2Q 2022). Net income: US$3.08m (up 8.8% from 2Q 2022). Profit margin: 22% (up from 20% in 2Q 2022). Revenue is expected to decline by 18% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 4.0%.
お知らせ • Jul 28Sb Financial Group, Inc. Announces Net Charges Off for Second Quarter Ended June 30, 2023SB Financial Group, Inc. announced net charges off for Second Quarter ended June 30, 2023. For the quarter, the company reported net charges off of $22,000 compared to $3,000 a year ago.
お知らせ • Jul 08SB Financial Group, Inc. to Report Q2, 2023 Results on Jul 27, 2023SB Financial Group, Inc. announced that they will report Q2, 2023 results After-Market on Jul 27, 2023
Upcoming Dividend • May 04Upcoming dividend of US$0.13 per share at 3.9% yieldEligible shareholders must have bought the stock before 11 May 2023. Payment date: 26 May 2023. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 3.9%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.1%).
Valuation Update With 7 Day Price Move • Mar 16Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €12.70, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 23% over the past year.
Reported Earnings • Mar 09Full year 2022 earnings released: EPS: US$1.78 (vs US$2.46 in FY 2021)Full year 2022 results: EPS: US$1.78 (down from US$2.46 in FY 2021). Revenue: US$56.4m (down 12% from FY 2021). Net income: US$12.5m (down 32% from FY 2021). Profit margin: 22% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue. Revenue is expected to decline by 13% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 6.5%.
Upcoming Dividend • Feb 02Upcoming dividend of US$0.13 per share at 3.0% yieldEligible shareholders must have bought the stock before 09 February 2023. Payment date: 24 February 2023. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (5.3%).
Reported Earnings • Jan 28Full year 2022 earnings released: EPS: US$1.79 (vs US$2.46 in FY 2021)Full year 2022 results: EPS: US$1.79 (down from US$2.46 in FY 2021). Revenue: US$57.6m (down 10% from FY 2021). Net income: US$12.5m (down 31% from FY 2021). Profit margin: 22% (down from 28% in FY 2021). The decrease in margin was driven by lower revenue.
お知らせ • Jan 13SB Financial Group, Inc. to Report Q4, 2022 Results on Jan 26, 2023SB Financial Group, Inc. announced that they will report Q4, 2022 results at 4:00 PM, US Eastern Standard Time on Jan 26, 2023
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 8 highly experienced directors. Independent Director Tim Claxton was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Nov 03Third quarter 2022 earnings released: EPS: US$0.48 (vs US$0.56 in 3Q 2021)Third quarter 2022 results: EPS: US$0.48 (down from US$0.56 in 3Q 2021). Revenue: US$14.5m (down 10% from 3Q 2021). Net income: US$3.34m (down 18% from 3Q 2021). Profit margin: 23% (down from 25% in 3Q 2021).
Upcoming Dividend • Nov 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 November 2022. Payment date: 25 November 2022. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.6%).
お知らせ • Oct 20SB Financial Group, Inc. to Report Q3, 2022 Results on Nov 01, 2022SB Financial Group, Inc. announced that they will report Q3, 2022 results After-Market on Nov 01, 2022
Upcoming Dividend • Aug 04Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 11 August 2022. Payment date: 26 August 2022. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (7.1%).
Reported Earnings • Jul 27Second quarter 2022 earnings released: EPS: US$0.40 (vs US$0.50 in 2Q 2021)Second quarter 2022 results: EPS: US$0.40 (down from US$0.50 in 2Q 2021). Revenue: US$14.3m (down 9.7% from 2Q 2021). Net income: US$2.83m (down 25% from 2Q 2021). Profit margin: 20% (down from 24% in 2Q 2021). Over the next year, revenue is expected to shrink by 33% compared to a 20% growth forecast for the industry in Germany.
お知らせ • Jul 13SB Financial Group, Inc. to Report Q2, 2022 Results on Jul 25, 2022SB Financial Group, Inc. announced that they will report Q2, 2022 results After-Market on Jul 25, 2022
Upcoming Dividend • May 05Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 12 May 2022. Payment date: 27 May 2022. Payout ratio is a comfortable 23% and this is well supported by cash flows. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (4.1%). Lower than average of industry peers (6.5%).
Reported Earnings • Apr 30First quarter 2022 earnings released: EPS: US$0.40 (vs US$0.92 in 1Q 2021)First quarter 2022 results: EPS: US$0.40 (down from US$0.92 in 1Q 2021). Revenue: US$14.3m (down 17% from 1Q 2021). Net income: US$2.81m (down 60% from 1Q 2021). Profit margin: 20% (down from 41% in 1Q 2021). Over the next year, revenue is expected to shrink by 35% compared to a 8.9% growth forecast for the industry in Germany.
Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 1 experienced director. 8 highly experienced directors. Independent Director Tim Claxton was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Apr 09SB Financial Group, Inc. to Report Q1, 2022 Results on Apr 28, 2022SB Financial Group, Inc. announced that they will report Q1, 2022 results After-Market on Apr 28, 2022
Upcoming Dividend • Feb 03Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 10 February 2022. Payment date: 25 February 2022. Payout ratio is a comfortable 16% but the company is not cash flow positive. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (3.3%).
Reported Earnings • Jan 30Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: US$2.58 (up from US$1.87 in FY 2020). Revenue: US$67.5m (up 3.7% from FY 2020). Net income: US$18.3m (up 22% from FY 2020). Profit margin: 27% (up from 23% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue missed analyst estimates by 1.1%. Over the next year, revenue is expected to shrink by 45% compared to a 11% growth forecast for the banks industry in Germany.
お知らせ • Jan 29SB Financial Group, Inc. Reports Consolidated Unaudited Net Charge-Offs for the Fourth Quarter Ended December 31, 2021SB Financial Group, Inc. reported consolidated unaudited net charge-offs for the fourth quarter ended December 31, 2021. For the quarter, the company reported Net charge-offs were $7,000 against $18,000 a year ago.
Upcoming Dividend • Nov 03Upcoming dividend of US$0.12 per shareEligible shareholders must have bought the stock before 10 November 2021. Payment date: 26 November 2021. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.9%).
Reported Earnings • Oct 30Third quarter 2021 earnings released: EPS US$0.59 (vs US$0.69 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$16.4m (down 8.4% from 3Q 2020). Net income: US$4.10m (down 22% from 3Q 2020). Profit margin: 25% (down from 29% in 3Q 2020). The decrease in margin was driven by lower revenue.
Executive Departure • Oct 03Executive Officer Jonathan Gathman has left the companyOn the 26th of September, Jonathan Gathman's tenure as Executive Officer ended after less than a year in the role. As of June 2021, Jonathan still personally held 35.12k shares (€544k worth at the time). Jonathan is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 11.58 years.
Upcoming Dividend • Aug 05Upcoming dividend of US$0.11 per shareEligible shareholders must have bought the stock before 12 August 2021. Payment date: 27 August 2021. Trailing yield: 2.5%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (3.1%).
Reported Earnings • Jul 27Second quarter 2021 earnings released: EPS US$0.53 (vs US$0.47 in 2Q 2020)The company reported a decent second quarter result with improved earnings and profit margins, although revenues were weaker. Second quarter 2021 results: Revenue: US$15.7m (down 9.2% from 2Q 2020). Net income: US$3.76m (up 3.0% from 2Q 2020). Profit margin: 24% (up from 21% in 2Q 2020). The increase in margin was driven by lower expenses.
お知らせ • Jun 28+ 6 more updatesSB Financial Group, Inc.(NasdaqCM:SBFG) dropped from Russell 3000E Value IndexSB Financial Group, Inc.(NasdaqCM:SBFG) dropped from Russell 3000E Value Index
お知らせ • May 29SB Financial Group, Inc. announced that it has received $20 million in fundingSB Financial Group, Inc. (NasdaqCM:SBFG) announced that it has entered into a subordinated note purchase agreement for a private placement of 3.65% fixed-to-floating rate unsecured subordinated notes due 2031 for aggregate gross proceeds of $20 million on May 27, 2021. The transaction include participation from qualified institutional buyers. The notes will initially interest at 3.65% per annum, from and including May 27, 2021, to but excluding June 1, 2026 or the earlier redemption of the Notes, payable semi-annually in arrears on June 1 and December 1 of each year, beginning December 1, 2021. From and including June 1, 2026, to but excluding the Maturity Date i.e., June 1, 2031 or the earlier redemption of the notes, the notes will bear interest at a rate per annum, reset quarterly, equal to the then current secured overnight financing rate (SOFR) plus 296 basis points, payable quarterly in arrears on March 1, June 1, September 1, and December 1 of each year. The company may, at its option, on or after June 1, 2026, redeem the notes in whole or in part at any time at a redemption price equal to 100% of the outstanding principal amount to be redeemed, plus accrued but unpaid interest thereon to but excluding the date of redemption.
Upcoming Dividend • May 06Upcoming dividend of US$0.11 per shareEligible shareholders must have bought the stock before 13 May 2021. Payment date: 28 May 2021. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.1%). Lower than average of industry peers (2.7%).
Reported Earnings • May 02First quarter 2021 earnings released: EPS US$0.97 (vs US$0.087 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$19.8m (up 61% from 1Q 2020). Net income: US$7.08m (up US$6.40m from 1Q 2020). Profit margin: 36% (up from 5.5% in 1Q 2020). The increase in margin was driven by higher revenue.
お知らせ • Apr 27Sb Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on May 28, 2021SB Financial Group, Inc. announced that its board of directors passed a resolution declaring a quarterly cash dividend of $0.11 per common share, payable on May 28, 2021, to shareholders of record as of May 14, 2021.
Reported Earnings • Mar 10Full year 2020 earnings released: EPS US$1.96 (vs US$1.71 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$65.1m (up 23% from FY 2019). Net income: US$14.9m (up 36% from FY 2019). Profit margin: 23% (up from 21% in FY 2019). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.36% (down from 3.82% in FY 2019). Non-performing loans: 0.83% (up from 0.77% in FY 2019).
お知らせ • Mar 10SB Financial Group, Inc., Annual General Meeting, Apr 21, 2021SB Financial Group, Inc., Annual General Meeting, Apr 21, 2021, at 10:30 US Eastern Standard Time. Agenda: To elect three (3) directors, each to serve for a term of three years; to ratify the appointment of BKD, LLP as the independent registered public accounting firm of SB Financial for the fiscal year ending December 31, 2021; to consider and vote upon a non-binding advisory resolution to approve the compensation of SB Financial's named executive officers; and to transact such other business as may properly come before the Annual Meeting and any adjournment(s) thereof.
Reported Earnings • Jan 30Full year 2020 earnings released: EPS US$1.96 (vs US$1.71 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: US$61.5m (up 16% from FY 2019). Net income: US$14.9m (up 36% from FY 2019). Profit margin: 24% (up from 21% in FY 2019). The increase in margin was driven by higher revenue.
お知らせ • Jan 15SB Financial Group, Inc. to Report Q4, 2020 Results on Jan 28, 2021SB Financial Group, Inc. announced that they will report Q4, 2020 results After-Market on Jan 28, 2021
