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Direct at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS

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
FCF margin23.4%-8.1pp

Returns & leverage

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

Where this comes from

Reported directly by SB Financial Group in its filing.

Tagged under the XBRL concept us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits.

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 direct?
SB Financial Group (SBFG) reported direct of $41.6M in Q1 2026.
How has SB Financial Group's direct changed year-over-year?
SB Financial Group's direct decreased by 26.9% year-over-year, from $56.9M to $41.6M.
What is the long-term trend for SB Financial Group's direct?
Over 5 years (2020 to 2025), SB Financial Group's direct has grown at a -7.4% compound annual growth rate (CAGR), from $73.1M to $49.9M.