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Updated 1d ago
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SB Financial Group, Inc.DB:9KH Stock Report

Market Cap €157.6m
Updated 1d ago
Share Price
n/a
1Y30.4%
7D5.4%
1D-1.7%
Portfolio Value
​
View

SB Financial Group, Inc.

DB:9KH Stock Report

Market Cap: €157.6m

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

SB Financial Group (9KH) Stock Overview

Operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Ohio, Indiana, and Michigan. More details

9KH fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 11.8% below our estimate of its fair value

Earnings grew by 39.6% over the past year

Pays a reliable dividend of 2.2%

Risk Analysis

Earnings are forecast to decline by an average of 1.9% per year for the next 3 years

Volatile share price over the past 3 months compared to the German market


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€
Current Price
€23.60163.4% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture068m2016201920222025202620282031Revenue US$29.9mEarnings US$7.4m
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SB Financial Group, Inc. Competitors

UmweltBank

Symbol: XTRA:UBK
Market cap: €155.6m

Merkur PrivatBank KgaA

Symbol: XTRA:MBK
Market cap: €94.9m

ProCredit Holding

Symbol: XTRA:PCZ
Market cap: €520.1m

Jæren Sparebank

Symbol: OB:JAREN
Market cap: NOK 1.7b

Price History & Performance

Summary of share price highs, lows and changes for SB Financial Group
Historical stock prices
Current Share PriceUS$23.60
52 Week HighUS$24.00
52 Week LowUS$15.30
Beta0.19
1 Month Change2.61%
3 Month Change24.21%
1 Year Change30.39%
3 Year Change74.81%
5 Year Change65.20%
Change since IPO76.40%

Recent News & Updates

Recent updates

Shareholder Returns

9KHDE BanksDE Market
7D5.4%0.5%-0.5%
1Y30.4%38.6%4.6%

Return vs Industry: 9KH underperformed the German Banks industry which returned 41.2% over the past year.

Return vs Market: 9KH exceeded the German Market which returned 5.5% over the past year.

Price Volatility

Is 9KH's price volatile compared to industry and market?
9KH volatility
9KH Average Weekly Movement8.7%
Banks Industry Average Movement3.2%
Market Average Movement5.0%
10% most volatile stocks in DE Market12.4%
10% least volatile stocks in DE Market2.5%

Stable Share Price: 9KH's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: 9KH's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

FoundedEmployeesCEOWebsite
1902254Mark Kleinir.yourstatebank.com

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; automatic teller machines; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides personal and corporate trust, commercial leasing, bank credit cards, safe deposit box rental, internet banking, private client group, and other personalized banking products and services.

SB Financial Group, Inc. Fundamentals Summary

How do SB Financial Group's earnings and revenue compare to its market cap?
9KH fundamental statistics
Market cap€157.58m
Earnings (TTM)€14.39m
Revenue (TTM)€58.11m
10.8x
P/E Ratio
1.2x
P/B Ratio

Is 9KH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
9KH income statement (TTM)
RevenueUS$67.59m
Cost of RevenueUS$0
Gross ProfitUS$67.59m
Other ExpensesUS$50.86m
EarningsUS$16.73m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)2.68
Gross Margin100.00%
Net Profit Margin24.75%
Debt/Equity Ratio42.2%

How did 9KH perform over the long term?

See historical performance and comparison

Dividends

2.2%
Current Dividend Yield
23%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/09 07:54
End of Day Share Price 2026/09/09 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

SB Financial Group, Inc. is covered by 0 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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