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Stock Ratings / Financials / SBFG / dividends
LARK (62) CBFV (63) FINW (36) BAFN (38) ⌘ Pro Terminal →

SB Financial Group Inc. (SBFG) Dividend Safety Gauge & 10-Year DRIP Compounder

$31.43 +1.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.60

SB Financial Group Inc. (SBFG) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $193.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SBFG Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SBFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, SB Financial Group Inc. (NASDAQ: SBFG) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $31.43 (+1.75% 1D, market cap $193.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SBFG ranks #75 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SBFG compare to LARK and CBFV in the Financials sector?
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Within the Financials sector (Major Banks), SBFG carries a Roarable B (72/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 9.9%. By comparison, LARK (Landmark Bancorp Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC 0.0%, cap $195.6M) and CBFV (CB Financial Services Inc.) posts a C grade (63/100 RQD, P/E 41.7x, ROIC 3.1%, cap $201.6M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SBFG?
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Per SBFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000767405), SB Financial Group Inc. generated $649.1M in revenue (+12.0% YoY), $14.0M in net income, and $24.0M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.60 (+0.55%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 3.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510072
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B · Rk C+
Cash (15)Whales (14)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+6.3% Base Target
$39 Bull$33 Base$26 Bear
📬 FREE SBFG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SBFG)Realized 20D OHLCV Swing Band: ±6.8%
Deterministic 5-Pillar Attribution (72/100 Composite)
🔍 WHY SBFG SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 3.7% FCF Margin ($24.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
64
Grade C+$29.47-0.4% Next Q
Q2 (-2Q)
67
Grade B-$29.34+3.6% Next Q
Q3 (-1Q)
69
Grade B-$30.40+3.4% Next Q
Current
72
Grade B$31.43+7% Hist 90D α
Trajectory: C+ (64) → B (72)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SBFG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 72/100 (B) score, SBFG faces multiple-compression risk if 14.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.39) or 200D SMA ($24.54) invalidates the momentum regime and cuts Target Base ($33.41) toward Bear Floor ($25.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SBFG• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SBFG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 72%NO 28%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
3.77% Total Yield
1.97% Cash ($0.62/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
14% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $23,030

Est. Year-10 Shareholder Yield: $868/yr
$10.9K
Yr 1
$11.8K
Yr 2
$12.8K
Yr 3
$14.0K
Yr 4
$15.2K
Yr 5
$16.5K
Yr 6
$17.9K
Yr 7
$19.5K
Yr 8
$21.2K
Yr 9
$23.0K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SBFG & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on SBFG and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SBFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +45.98%▲ ASCENDING CHANNEL
2026-11-03O $31.22H $31.43L $30.89C $31.43VOL 23.4K
RES: $35.50SUP: $25.75SMA50: $29.39SMA200: $24.54
$33.77$30.29$26.82$23.34$19.86RES $35.50SUP $25.75$31.432026-05-042026-06-172026-08-042026-09-172026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SBFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SBFG Butterfly Map → + Track SBFG →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.7%/yr Implied 5Y Growth

vs. +12.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SBFG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SBFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SBFG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SBFG)

Financials Rank #75 of 1097 ⚔️ LARK vs SBFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (SBFG vs. LARK, CBFV, FINW, BAFN)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, SB Financial Group Inc. (SBFG) ranks #75 by composite RQD confidence (72/100, grade B) and #889 by equity capitalization ($193.2M). Within this direct 5-issuer industry benchmark cohort, FINW leads on earnings valuation at 11.5x trailing P/E, while SBFG leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. SBFG currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SBFG ACTIVE
SB Financial Group Inc.
B 72/100 14.0x — 9.9% +1.75% $193.2M Benchmark Subject
LARK
Landmark Bancorp Inc.
C 62/100 — — 0.0% +0.87% $195.6M /lark-vs-sbfg →
CBFV
CB Financial Services Inc.
C 63/100 41.7x — 3.1% +1.11% $201.6M /cbfv-vs-sbfg →
FINW
FinWise Bancorp
D- 36/100 11.5x — 8.3% +0.46% $183.1M /finw-vs-sbfg →
BAFN
BayFirst Financial Corp.
D- 38/100 — — -30.1% +1.38% $180.2M /bafn-vs-sbfg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000767405 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SB Financial Group Inc. (SBFG) reported GAAP revenue of $649.1M (+12.0% vs. FY2024 revenue of $579.4M , and +1092.5% cumulative change since FY2023) , GAAP net income of $14.0M, operating cash flow of $24.0M, and free cash flow of $24.0M (+154.4% YoY). On the balance sheet, SBFG closed FY2025 with $1.55B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $649.1M $14.0M $24.0M $24.0M $1.55B —
FY2024 (FY) 2024-12-31 $579.4M $11.5M $9.5M $9.5M $1.38B $19.7M
FY2023 (FY) 2023-12-31 $54.4M $12.1M $14.0M $14.0M — —

3. SBFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SBFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, SB Financial Group Inc. (NASDAQ: SBFG) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $31.43 (+1.75% 1D, market cap $193.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SBFG ranks #75 in composite RQD confidence.

How does SBFG compare to LARK and CBFV in the Financials sector?

Within the Financials sector (Major Banks), SBFG carries a Roarable B (72/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 9.9%. By comparison, LARK (Landmark Bancorp Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC 0.0%, cap $195.6M) and CBFV (CB Financial Services Inc.) posts a C grade (63/100 RQD, P/E 41.7x, ROIC 3.1%, cap $201.6M). Among the 5-stock peer group, FINW leads on earnings multiple (11.5x) while SBFG leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SBFG?

Per SBFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000767405), SB Financial Group Inc. generated $649.1M in revenue (+12.0% YoY), $14.0M in net income, and $24.0M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SBFG trading relative to its 50-day, 200-day, and 52-week technical levels?

SBFG last traded at $31.43 (+1.75% on volume of 13,101 shares), positioning the stock +6.94% above its 50-day simple moving average ($29.39) and +28.08% above its 200-day simple moving average ($24.54). Across its 52-week range of $18.72 to $32.93, SBFG sits at the 89.4% percentile with a 14-day RSI of 64.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.8% ($29.29 to $33.57).

Direct Sub-Reports: SBFG RQD Cockpit SBFG 12M Forecast SBFG Earnings & Move SBFG Dividends & DRIP SBFG Insiders & 13F SBFG Whale Options SBFG Profit Sankey SBFG News & Why
ROARABLE RATING BRIEF • RQD 72/100 (B) ✓ SEC XBRL & RQD VERIFIED

SBFG — SB Financial Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

SB Financial Group Inc. (SBFG) earns a live Roarable RQD composite score of 72/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $31.43 (+1.75% 1D, market capitalization $193.2M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of —, and free cash flow yield of 12.31%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

SB Financial Group Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. Market capitalization is reported at $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), SB Financial Group Inc. (SBFG) reported $649.1M in annual revenue (up from $579.4M in FY2024, +12.0% YoY) and $14.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($54.4M revenue, $12.1M net income) through FY2025, SBFG scaled operating cash flow to $24.0M and free cash flow to $24.0M, backed by $1.55B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 72/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $18.72 – $32.93 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), SBFG carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can SBFG sustain or expand its — operating margin and 9.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $649.1M and free cash flow of $24.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SBFG's 13.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SBFG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SB Financial Group Inc. (SBFG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SBFG Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SBFG Bull vs. Bear Conversation Board — What's Your Call at $31.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SBFG 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SBFG:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $40.77 (+32.0%)
📌 Pinned Debate

Cash generation is strong, with FCF rising from $9.5M in FY 2024 to $24.0M in FY 2025 and an FCF yield of 12.31%.

Long SBFG at $30.89 targeting $40.77. Cash generation is strong, with FCF rising from $9.5M in FY 2024 to $24.0M in FY 2025 and an FCF yield of 12.31%.. Institutional whale score is 14/20 and the risk/reward vs. the $18.40 52-week low is skewed heavily in favor of bulls.

ArenaChamp_24 🐂 BULL

@TapeReader_Pro Agree on the RQD 72/100 quality, though with 1.0 beta I'm scaling in with half-size at $30.89 and keeping dry powder in case we test $28.73.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $25.95 (-16.0%)
Spot @ $30.89

Institutional flow is the weakest pillar at 11/20, and the stock sits near the upper end of its 52-week range at $30.89 versus a high o

Sitting on the sidelines or leaning short SBFG above $30.89. Institutional flow is the weakest pillar at 11/20, and the stock sits near the upper end of its 52-week range at $30.89 versus a high of $32.93.. Until Fundamental Cash Engine (15/20) and FCF yield (12.31%) inflect higher, upside is capped near $32.93.

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