SB Financial Group, Inc.

The grade, in three tenses

Headline 6.0 out of ten, 8 of 9 metrics filed and 1 estimated: past 7.0 out of ten, present 5.6 out of ten, future 4.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 3.0 out of ten. +6.7% a year over 10 filed years; profitable in 7 of 7. 30th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 8.6 out of ten. Share count shrank 3.4% a year. 53% of cash flow returned. Insiders: 3 sales, 1 purchases. 86th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 5.8 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 58th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 2.9 out of ten. bottom 29% of 155 in its family; net margin 28.1%. 29th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 9.4 out of ten. top 6% of 150 in its family for leadership; chief executive since 2006. 94th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 6.4 out of ten. CrossAssetData estimate 6.4/10, confidence 35 of 100 (one part). 64th percentile among 162 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
• Growth drivers (future): 4.1 out of ten. bottom 41% of 152 in its family for growth drivers. 41st percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 4.3 out of ten. bottom 43% of 150 in its family for expectations against reality. 43rd percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-31 for the period ended 2026-07-23 (on EDGAR). Newest filing: Form 4, 2026-09-24. Filings on record since 1995. Read from EDGAR 2026-10-12.

Who runs it

Klein, Mark A (CHAIRMAN, PRESIDENT, CEO); Cosentino, Anthony Van (EVP OF SUBSIDIARY); Diller, Keeta Jane (EVP OF SUBSIDIARY); Gaytan, Garcia Juan Ernesto (EVP OF SUBSIDIARY); Walz, Steven A. (EVP OF SUBSIDIARY); Homoelle, David A. (EVP OF SUBSIDIARY); Hardgrove, Richard L (director); Kissner, Rita A (director); Strausbaugh, Sue Ann (director); Carter, George W (director); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

This file: Overview · Past · Present · Future · Filings · every company on file

Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.