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SB Financial Group SBFG Free cash flow margin

Free cash flow margin at other companies

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Fifth Third BankFITB
16.1%
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Huntington BancsharesHBAN
24.4%+0.6pp
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KeyCorpKEY
28.4%
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Citizens Financial Services, Inc.CZFS
37%+8.8pp
STB
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34.9%-4.9pp
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Community Financial SystemCBU
28.9%+3.3pp

Other financials

Income statement

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Revenue$17.4M+13.2%
Net income$4.3M+99.1%
EPS (diluted)$0.69+109%

Balance sheet

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Cash & equivalents$126.3M+20.1%
Total debt$24.7M-26.9%
Total equity$143.7M+9.2%
Total assets$1.6B+6.9%

Cash flow

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Operating cash flow-$3.0M-145%
CapEx$229.0K-75.2%
Free cash flow-$3.2M-156%

Valuation

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Market cap$158.57M+34.4%
Enterprise value$57.02M-25.9%
P/E9.8×0.0×
P/S2.4×+0.5×

Profitability

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Net margin23.8%+4.8pp

Returns & leverage

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Return on equity11.7%+2.9pp
Debt / equity0.2×-0.1×

Where this comes from

Calculated from SB Financial Group’s reported figures.

Based on trailing twelve months.

The official record: SB Financial Group’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SB Financial Group's free cash flow margin?
SB Financial Group (SBFG) reported free cash flow margin of 23.4% in Q1 2025.
How has SB Financial Group's free cash flow margin changed year-over-year?
SB Financial Group's free cash flow margin decreased by 25.6% year-over-year, from 31.5% to 23.4%.
What is the long-term trend for SB Financial Group's free cash flow margin?
Over 3 years (2020 to 2024), SB Financial Group's free cash flow margin has grown at a -23.9% compound annual growth rate (CAGR), from 32.8% to 14.4%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.