SB Financial Group Inc
SBFGFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 12:05 PM ET
29.17+0.06 (0.19%)
2026-11-11 18:08 CET
Market cap
181.82 USD m
Revenue, TTM
- USD m
Net income, TTM
16.62 USD m
Free cash flow, TTM
19.30 USD m
EPS diluted, TTM
2.67
P/E
10.94
Price
SBFG against its 20, 50 and 200-day averages2050200beat
10.6% under the 52-week high of 32.63 on 22 Oct 2026. 52-week low 19.52 on 18 Nov 2025. Last 15 sessions, 17.5% high to low
Profile
SBFG52-week range, 74% of the way up
19.5232.63
SB Financial Group, Inc. is a financial holding company, which engages in the provision of commercial banking and wealth management solutions. The company offers checking, savings, e-services, mortgage loans, mortgage applications, mortgage tool, credit cards, and loans and lines services. It also provides investment and asset management, retirement services, insurance, business succession planning, and brokerage services. The company was founded in 1983 and is headquartered in Defiance, OH.
| Employees | 252 |
|---|---|
| IPO | Jan 04, 1999 |
| Beta | 0.18 |
| ATR, 14d | 1.12 |
| Rel volume | 0.36 |
| Short float | 0.24% |
| Insider own | 6.05% |
| Inst own | 51.97% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 182.16M |
| Enterprise Value | - |
| Income | 16.62M |
| Sales | 96.93M |
| Book/sh | 23.10 |
| Cash/sh | - |
| Dividend Est. | 0.60 (2.06%) |
| Dividend TTM | 0.63 (2.16%) |
| Dividend Ex-Date | Nov 13, 2026 |
| Dividend Gr. 3/5Y | 7.72% 9.57% |
| Payout | 27.48% |
| Employees | 252 |
| IPO | Jan 04, 1999 |
Ratios
| P/E | 10.94 |
|---|---|
| Forward P/E | 11.01 |
| PEG | - |
| P/S | 1.88 |
| P/B | 1.26 |
| P/C | - |
| P/FCF | 9.44 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.14 |
| Debt/Eq | 0.41 |
| LT Debt/Eq | 0.33 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 2.67 |
|---|---|
| EPS next Y | 2.65 |
| EPS next Q | 0.61 |
| EPS this Y | 12.55% |
| EPS next Y | 1.92% |
| EPS next 5Y | - |
| EPS past 3/5Y | 7.16% 3.21% |
| Sales past 3/5Y | 13.04% 4.61% |
| EPS Y/Y TTM | 26.03% |
| Sales Y/Y TTM | 8.90% |
| EPS Q/Q | -1.09% |
| Sales Q/Q | 9.50% |
| Earnings | Oct 22 BMO |
| EPS/Sales Surpr. | 1.61% - |
Ownership
| Insider Own | 6.05% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 51.97% |
| Inst Trans | -2.54% |
| ROA | 1.07% |
| ROE | 11.82% |
| ROIC | 8.66% |
| Gross Margin | - |
| Oper. Margin | 21.25% |
| Profit Margin | 17.15% |
| SMA20 | -2.54% |
| SMA50 | -1.53% |
| SMA200 | 17.67% |
| Trades | - |
Technical
| Shs Outstand | 6.25M |
|---|---|
| Shs Float | 5.87M |
| Short Float | 0.24% |
| Short Ratio | 0.91 |
| Short Interest | 0.01M |
| 52W High | 32.63 -10.62% |
| 52W Low | 19.52 49.41% |
| Volatility | 4.94% 3.84% |
| ATR (14) | 1.12 |
| RSI (14) | 45.49 |
| Beta | 0.18 |
| Rel Volume | 0.36 |
| Avg Volume | 15.76K |
| Volume | 2,445 |
Performance
| Perf Week | -3.71% |
|---|---|
| Perf Month | -0.26% |
| Perf Quarter | 6.68% |
| Perf Half Y | 32.81% |
| Perf YTD | 30.96% |
| Perf Year | 40.42% |
| Perf 3Y | 124.35% |
| Perf 5Y | 61.22% |
| Perf 10Y | 136.29% |
| Recom | 3.00 |
| Target Price | 32.00 |
| Prev Close | 29.11 |
| Price | 29.17 |
| Change % | 0.19% |
Analyst ratings
latest 1 of 1| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Oct 29, 2026 | Downgrade | BBrean Capital | Buy → Neutral | $32 | +9.7% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FMAO | Farmers & Merchants Bancorp Inc | 505.37M |
| OVBC | Ohio Valley Banc Corp | 232.86M |
| CIVB | Civista Bancshares Inc | 598.37M |
| LCNB | LCNB Corp | 280.39M |
| CFBK | CF Bankshares Inc | 235.81M |
| FCAP | First Capital Inc | 211.95M |
| FNWD | Finward Bancorp | 188.65M |
| RMBI | Richmond Mutual Bancorporation Inc | 263.12M |
| FMNB | Farmers National Banc Corp | 915.53M |
| UBCP | United Bancorp Inc (Martins Ferry, OH) | 80.92M |
Insider trading
2 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Strausbaugh Sue Ann | Director | Mar 04 '26 | Buy | 20.68 | 48 | 993 | 2,850 | Mar 04 05:17 PM |
| HARDGROVE RICHARD L | Director | Feb 04 '26 | Sale | 22.15 | 977 | 21,641 | 13,938 | Feb 04 02:26 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| DFSV | US Small Cap Value Portfolio ETF Class Shares | - |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
News
latest 14 of 202- SB Financial Edges Past Estimates As Loan Growth And Margin Rebound Collide With An Above-Guide Expense Jump (Earnings Whispers)
- SB Financial Group Announces Third Quarter 2026 Results (GlobeNewswire)
- SB Financial Group, Inc. Announces Schedule for Third Quarter 2026 Results (GlobeNewswire)
- SB Financial Group Inc (SBFG) Q2 2026 Earnings Call Highlights: Strong Profitability Amid ... (GuruFocus.com)
- SB Financial Group Announces Second Quarter 2026 Results (GlobeNewswire)
- Loading…
- SB Financial Group, Inc. Announces Schedule for Second Quarter 2026 Results (GlobeNewswire) +5.63%
- SB Financial Group Inc (SBFG) Q1 2026 Earnings Call Highlights: Strong Start with Increased Net ... (GuruFocus.com)
- SB Financial Group Announces First Quarter 2026 Results (GlobeNewswire)
- SB Financial Group, Inc. Announces Schedule for First Quarter 2026 Results (GlobeNewswire)
- SB Financial Group, Inc. (SBFG) Could Be a Great Choice (Zacks)
- Are You Looking for a High-Growth Dividend Stock? (Zacks)
- SB Financial Group Inc (SBFG) Q4 2025 Earnings Call Highlights: Strong Loan Growth and Asset ... (GuruFocus.com)
- SB Financial Group Q4 Earnings Call Highlights (MarketBeat)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-22 | 0.630 | 0.620 | 0.630 | 18.08 | - | 1 |
| 2026Q2 | 2026-07-23 | 0.730 | 0.690 | 0.721 | 18.00 | - | 1 |
| 2026Q1 | 2026-04-23 | 0.630 | 0.600 | 0.687 | 17.42 | - | 1 |
| 2025Q4 | 2026-01-29 | 0.650 | 0.640 | 0.624 | 16.58 | - | 1 |
| 2025Q3 | 2025-10-30 | 0.680 | 0.620 | 0.640 | 16.88 | - | 1 |
| 2025Q2 | 2025-07-24 | 0.580 | 0.540 | 0.594 | 17.02 | - | 1 |
| 2025Q1 | 2025-05-01 | 0.420 | 0.400 | 0.331 | 15.39 | - | 1 |
| 2024Q4 | 2025-01-23 | 0.520 | 0.410 | 0.550 | 15.17 | - | 1 |
| 2024Q3 | 2024-10-24 | 0.410 | 0.420 | 0.352 | 14.77 | - | 1 |
| 2024Q2 | 2024-07-18 | 0.460 | 0.350 | 0.463 | 14.01 | - | 1 |
| 2024Q1 | 2024-04-18 | 0.330 | 0.300 | 0.351 | 12.95 | - | 1 |
| 2023Q4 | 2024-01-25 | 0.570 | 0.350 | 0.566 | 15.13 | - | 1 |
| 2023Q3 | 2023-10-30 | 0.400 | 0.410 | 0.390 | 13.70 | - | 1 |
| 2023Q2 | 2023-07-27 | 0.450 | 0.380 | 0.444 | 14.19 | - | 1 |
| 2023Q1 | 2023-04-20 | 0.340 | 0.400 | 0.349 | 13.99 | 10.70 | 1 |
| 2022Q4 | 2023-01-26 | 0.490 | 0.450 | 0.502 | 14.53 | 10.10 | 1 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2017FY | 1.657 | - | 1.659 | - | - |
| 2018FY | 1.438 | 1.438 | 1.436 | 49.89 | - |
| 2019FY | 1.543 | 1.495 | 1.437 | 52.84 | - |
| 2020FY | 2.324 | 1.591 | 1.864 | 69.61 | - |
| 2021FY | 2.180 | 2.038 | 2.439 | 68.58 | - |
| 2022FY | 1.630 | 1.580 | 1.774 | 56.35 | - |
| 2023FY | 1.750 | 1.580 | 1.744 | 57.05 | - |
| 2024FY | 1.710 | 1.580 | 1.712 | 56.90 | - |
| 2025FY | 2.310 | 2.350 | 2.190 | 65.85 | - |
| 2026FY | - | 2.600 | - | - | - |
| 2027FY | - | 2.650 | - | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | R | 2026-10-28 | 1 | 1 | 0 | 0.61 | 0.61 | 0.61 |
| 2026Q4 | R | 2026-10-22 | 1 | 0 | 0 | 0.58 | 0.58 | 0.58 |
| 2026Q4 | R | 2026-10-19 | 1 | 0 | 0 | 0.58 | 0.58 | 0.58 |
| 2026Q4 | R | 2026-08-05 | 1 | 1 | 0 | 0.58 | 0.58 | 0.58 |
| 2026Q4 | R | 2026-07-24 | 1 | 0 | 0 | 0.56 | 0.56 | 0.56 |
| 2026Q4 | R | 2026-07-14 | 1 | 0 | 0 | 0.56 | 0.56 | 0.56 |
| 2026Q4 | R | 2026-04-30 | 1 | 0 | 1 | 0.56 | 0.56 | 0.56 |
| 2026Q4 | R | 2026-04-24 | 1 | 0 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2026-02-12 | 1 | 0 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2026-01-14 | 1 | 0 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2025-11-11 | 1 | 1 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2025-11-10 | 1 | 1 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2025-11-09 | 1 | 1 | 0 | 0.59 | 0.59 | 0.59 |
| 2026Q4 | R | 2025-11-08 | 1 | 1 | 0 | 0.59 | 0.59 | 0.59 |
Estimate history
| EPS, annual | 1.659 | 1.436 | 1.437 | 1.864 | 2.439 | 1.774 | 1.744 | 1.712 | 2.184 | 2.6652 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.352 | 0.55 | 0.331 | 0.594 | 0.64 | 0.624 | 0.687 | 0.721 | 0.633 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 49.691 | 56.068 | 61.896 | 72.386 | 72.382 | 62.766 | 75.739 | 81.087 | 90.664 | 96.93 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 20.452 | 21.191 | 21.398 | 23.494 | 22.928 | 23.11 | 23.818 | 24.896 | 25.106 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 5.032 | 6.828 | 8.151 | 7.741 | 7.229 | 6.935 | 6.769 | 6.548 | 6.276 | 6.248 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 6.678 | 6.548 | 6.531 | 6.403 | 6.309 | 6.276 | 6.285 | 6.256 | 6.248 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 78.92 | 73.92 | 64.35 | 58.15 | 44.57 | 41.90 | 42.63 | 44.40 | 39.48 |
| Total Interest Expense | 27.12 | 25.47 | 24.43 | 18.88 | 5.17 | 4.02 | 6.71 | 9.57 | 6.21 |
| Net Interest Income | 51.80 | 48.45 | 39.92 | 39.27 | 39.40 | 37.88 | 35.93 | 34.83 | 33.27 |
| Loan Loss Provision | 0.84 | 1.31 | 0.12 | 0.32 | - | 1.05 | 4.50 | 0.80 | 0.60 |
| Net Interest Income After Loan Loss Provision | 50.96 | 47.15 | 39.80 | 38.96 | - | 36.83 | 31.43 | 34.03 | 32.67 |
| Non-Interest Income | 18.00 | 16.74 | 16.74 | 17.59 | 18.20 | 30.48 | 29.75 | 17.50 | 16.59 |
| Non-Interest Expense | 48.38 | 46.64 | 42.68 | 41.83 | 42.28 | 44.59 | 42.74 | 36.88 | 34.85 |
| Operating Income | 20.59 | 17.25 | 13.86 | 14.72 | 15.32 | 22.72 | 18.44 | 14.64 | 14.41 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 20.56 | 17.25 | 13.86 | 14.72 | 15.32 | 22.72 | 18.44 | 14.63 | 14.44 |
| Income Taxes | 3.90 | 3.28 | 2.39 | 2.62 | 2.79 | 4.45 | 3.50 | 2.66 | 2.81 |
| Consolidated Net Income | 16.62 | 13.95 | 11.44 | 12.07 | 12.49 | 18.26 | 14.93 | 11.96 | 11.62 |
| Net Income From Continuing Operations | 16.62 | 13.95 | 11.44 | 12.07 | 12.49 | 18.26 | 14.93 | 11.96 | 11.62 |
| Net Income | 16.62 | 13.95 | 11.44 | 12.07 | 12.49 | 18.26 | 14.93 | 11.01 | 10.65 |
| EPS (Recurring) | 2.67 | 2.18 | 1.71 | 1.74 | 1.77 | 2.44 | 1.86 | 1.44 | 1.44 |
| EPS (Basic, Before Extraordinaries) | 2.67 | 2.19 | 1.72 | 1.77 | 1.78 | 2.45 | 1.87 | 1.62 | 1.64 |
| EPS (Diluted) | 2.67 | 2.18 | 1.71 | 1.74 | 1.77 | 2.44 | 1.86 | 1.44 | 1.44 |
| Non-Operating Income (Expense) | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | 0.04 |
| Other After Tax Adjustments | -0.04 | -0.03 | -0.03 | -0.03 | -0.03 | -0.02 | -0.02 | -0.02 | -0.01 |
| Stock Option Compensation Expense | 0.58 | 0.42 | 0.50 | 0.46 | 0.45 | 0.32 | 0.28 | 0.30 | 0.22 |
| Price To Earnings Ratio | 10.92 | 10.92 | 12.08 | 9.11 | 9.85 | 7.72 | 9.29 | 12.98 | 11.02 |
| Price To Sales Ratio | 1.84 | 1.57 | 1.72 | 1.42 | 1.90 | 1.94 | 1.93 | 2.52 | 2.26 |
| Operating Margin | 21.25 | 19.03 | 17.09 | 19.43 | 24.40 | 31.39 | 25.47 | 23.65 | 25.70 |
| Net Margin | 17.15 | 15.38 | 14.10 | 15.93 | 19.91 | 25.22 | 20.62 | 17.78 | 18.99 |
| Shares Outstanding | 6.25 | 6.28 | 6.55 | 6.77 | 6.94 | 7.23 | 7.74 | 8.15 | 6.83 |
| Market Capitalization | 181.82 | 181.82 | 139.09 | 104.41 | 118.67 | 135.41 | 134.76 | 152.85 | 106.98 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 20.53 | 19.82 | 19.31 | 19.27 | 18.81 | 18.47 | 17.37 | 16.85 |
| Total Interest Expense | 7.10 | 6.87 | 6.59 | 6.56 | 6.47 | 6.34 | 6.09 | 5.95 |
| Net Interest Income | 13.42 | 12.95 | 12.71 | 12.71 | 12.33 | 12.13 | 11.28 | 10.90 |
| Loan Loss Provision | 0.13 | 0.30 | 0.21 | 0.20 | 0.12 | 0.60 | 0.39 | -0.08 |
| Net Interest Income After Loan Loss Provision | 13.30 | 12.65 | 12.50 | 12.51 | 12.21 | 11.53 | 10.89 | 10.97 |
| Non-Interest Income | 4.58 | 5.08 | 4.51 | 3.84 | 4.12 | 5.03 | 4.03 | 4.34 |
| Non-Interest Expense | 13.05 | 12.22 | 11.74 | 11.37 | 11.37 | 11.83 | 12.33 | 10.79 |
| Operating Income | 4.82 | 5.51 | 5.27 | 4.98 | 4.96 | 4.73 | 2.59 | 4.53 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 4.79 | 5.50 | 5.28 | 4.98 | 4.96 | 4.73 | 2.59 | 4.53 |
| Income Taxes | 0.84 | 1.01 | 0.98 | 1.06 | 0.91 | 0.88 | 0.43 | 0.89 |
| Consolidated Net Income | 3.94 | 4.49 | 4.29 | 3.91 | 4.04 | 3.84 | 2.15 | 3.63 |
| Net Income From Continuing Operations | 3.94 | 4.49 | 4.29 | 3.91 | 4.04 | 3.84 | 2.15 | 3.63 |
| Net Income | 3.94 | 4.49 | 4.29 | 3.91 | 4.04 | 3.84 | 2.15 | 3.63 |
| EPS (Recurring) | 0.63 | 0.72 | 0.69 | 0.62 | 0.64 | 0.59 | 0.33 | 0.55 |
| EPS (Basic, Before Extraordinaries) | 0.64 | 0.72 | 0.69 | 0.63 | 0.64 | 0.60 | 0.33 | 0.55 |
| EPS (Diluted) | 0.63 | 0.72 | 0.69 | 0.62 | 0.64 | 0.59 | 0.33 | 0.55 |
| Non-Operating Income (Expense) | -0.03 | -0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 | -0.01 |
| Stock Option Compensation Expense | 0.11 | 0.17 | 0.12 | 0.18 | 0.10 | 0.15 | 0.12 | 0.08 |
| Price To Earnings Ratio | 10.92 | 9.93 | 9.59 | 10.53 | 10.56 | 11.27 | 12.14 | 12.08 |
| Price To Sales Ratio | 1.84 | 1.66 | 1.40 | 1.53 | 1.37 | 1.43 | 1.63 | 1.71 |
| Operating Margin | 19.21 | 22.15 | 22.14 | 21.56 | 21.62 | 20.12 | 12.10 | 21.36 |
| Net Margin | 15.68 | 18.02 | 17.99 | 16.93 | 17.62 | 16.34 | 10.05 | 17.12 |
| Shares Outstanding | 6.25 | 6.26 | 6.28 | 6.28 | 6.31 | 6.40 | 6.53 | 6.55 |
| Market Capitalization | 181.82 | 158.57 | 132.35 | 140.27 | 122.12 | 124.63 | 136.06 | 139.09 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 71.54 | 25.93 | 22.96 | 27.82 | 149.51 | 140.69 | 27.06 | 48.36 | 26.62 |
| Investments | 198.62 | 219.24 | 234.73 | 254.87 | 282.35 | 176.01 | 115.70 | 100.22 | 91.18 |
| Net Loans | 1,164.48 | 1,031.64 | 984.43 | 948.26 | 808.91 | 860.15 | 816.75 | 763.72 | 688.68 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.10 | 0.00 | 0.51 | 0.78 | 2.10 | 0.02 | 0.30 | 0.13 | 0.03 |
| Net Property, Plant & Equipment | 21.69 | 20.46 | 21.38 | 22.83 | 23.21 | 23.56 | 23.39 | 22.08 | 21.28 |
| Interest Receivables | 5.49 | 4.91 | 4.66 | 4.09 | 2.92 | 3.80 | 3.11 | 2.82 | 1.82 |
| Other Intangible Assets | 83.45 | 77.34 | 74.58 | 76.99 | 61.84 | 53.62 | 52.26 | 49.49 | 47.02 |
| Total Assets | 1,545.37 | 1,379.52 | 1,343.25 | 1,335.63 | 1,330.85 | 1,257.84 | 1,038.58 | 986.83 | 876.63 |
| Total Deposits | 1,307.24 | 1,152.61 | 1,070.20 | 1,086.66 | 1,113.05 | 1,049.01 | 840.22 | 802.55 | 729.60 |
| Total Debt | 74.28 | 75.58 | 126.94 | 104.83 | 50.68 | 38.50 | 39.26 | 41.49 | 43.89 |
| Long Term Debt | 52.55 | 52.50 | 52.45 | 29.90 | 32.36 | 15.81 | 18.31 | 26.31 | 21.81 |
| Provision for Risks Charges | 1.37 | 1.34 | 0.78 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 21.24 | 22.48 | 20.99 | 25.71 | 22.20 | 27.41 | 23.01 | 12.35 | 9.13 |
| Total Liabilities | 1,404.13 | 1,252.01 | 1,218.91 | 1,217.20 | 1,185.92 | 1,114.92 | 902.48 | 856.39 | 782.63 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 13.98 | 13.98 |
| Common Equity | 141.24 | 127.51 | 124.34 | 118.43 | 144.93 | 142.92 | 136.09 | 116.46 | 80.02 |
| Total Shareholders Equity | 141.24 | 127.51 | 124.34 | 118.43 | 144.93 | 142.92 | 136.09 | 130.44 | 94.00 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 141.24 | 127.51 | 124.34 | 118.43 | 144.93 | 142.92 | 136.09 | 130.44 | 94.00 |
| Total Liabilities & Stockholders Equity | 1,545.37 | 1,379.52 | 1,343.25 | 1,335.63 | 1,330.85 | 1,257.84 | 1,038.58 | 986.83 | 876.63 |
| Book Value Per Share | 22.50 | 19.47 | 18.37 | 17.08 | 20.05 | 18.46 | 16.70 | 17.05 | 15.90 |
| Tangible Book Value Per Share | 17.89 | 15.87 | 14.87 | 13.65 | 16.76 | 15.61 | 14.51 | 14.65 | 12.64 |
| Tier 1 Capital | 151.59 | 156.12 | 148.05 | 146.68 | 133.20 | 119.48 | 116.88 | 110.02 | 83.81 |
| Tier 2 Capital | 16.10 | 14.55 | 13.82 | 13.67 | 11.96 | 11.58 | 8.76 | 8.17 | 7.93 |
| Full-Time Employees | 252 | 244 | 243 | 257 | 269 | 244 | 252 | 250 | 240 |
| Price to Book Ratio | 1.26 | 1.05 | 0.93 | 1.03 | 0.93 | 0.94 | 1.12 | 0.92 | 1.15 |
| Return on Assets | 0.95 | 0.84 | 0.90 | 0.94 | 1.41 | 1.30 | 1.18 | 1.25 | 1.31 |
| Return on Equity | 10.38 | 9.08 | 9.94 | 9.49 | 12.68 | 10.70 | 8.97 | 10.36 | 12.24 |
| Return on Invested Capital | 7.20 | 6.35 | 6.82 | 8.42 | 10.30 | 9.40 | 7.74 | 7.42 | 9.54 |
| Current Ratio | 0.08 | 0.03 | 0.03 | 0.04 | 0.21 | 0.23 | 0.06 | 0.11 | 0.07 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 19.65 | 23.20 | 11.75 | 13.51 | 14.57 | 8.68 | 2.55 | 8.46 | 7.98 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.19 | 0.84 | -2.30 | -1.41 | 2.68 | -3.86 | 0.72 | 6.68 | 1.33 |
| Cash from Operating Activities | 20.84 | 24.04 | 9.45 | 12.10 | 17.25 | 4.82 | 3.27 | 15.15 | 9.31 |
| Capital Expenditures | -1.54 | -3.40 | -2.03 | -0.96 | -12.40 | -2.48 | -1.98 | -2.09 | -2.00 |
| Net Assets From Acquisitions | 0.00 | -3.01 | 0.00 | 0.00 | 0.00 | -1.10 | 0.00 | -2.60 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 16.56 | 0.02 | 0.13 |
| Purchase or Sale of Investments | 10.39 | 53.82 | 17.83 | 22.26 | -13.09 | -120.09 | -45.27 | -8.18 | -8.84 |
| Purchase of Investments | -11.03 | -0.10 | -1.68 | -0.72 | -50.62 | -170.69 | -129.80 | -38.45 | -29.28 |
| Sale Or Maturity of Investments | 21.42 | 53.92 | 19.50 | 22.99 | 37.52 | 50.60 | 84.52 | 30.27 | 20.44 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.33 | 0.00 | 0.00 | 0.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -100.49 | -68.08 | -28.95 | -15.50 | -157.35 | -59.55 | -36.58 | -63.93 | -83.05 |
| Cash Dividends Paid | -3.96 | -3.85 | -3.77 | -3.58 | -3.42 | -3.14 | -3.07 | -3.28 | -3.06 |
| Change in Capital Stock | -2.15 | -5.69 | -4.77 | -3.47 | -5.90 | -9.52 | -6.98 | -4.66 | 28.00 |
| Repurchase of Common Pref Stock | -2.15 | -5.69 | -4.77 | -3.47 | -5.90 | -9.52 | -7.17 | -5.05 | -0.11 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.19 | 0.39 | 28.10 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.14 | 27.91 |
| Issuance or Reduction of Debt, Net | -4.69 | -2.35 | -51.40 | 22.06 | 54.10 | 12.18 | -0.76 | -2.24 | -2.40 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 23.60 | 54.50 | 17.05 | -8.00 | 0.00 | -2.50 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 810.50 | 232.00 | 19.55 | 0.00 | 0.00 | 13.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | -786.90 | -177.50 | -2.50 | -8.00 | 0.00 | -15.50 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | - | - | - | 0.00 | 0.00 | - |
| Cash from Financing Activities | 97.05 | 89.66 | 22.46 | -1.45 | 18.41 | 63.55 | 146.94 | 27.49 | 95.48 |
| Net Change in Cash | 17.40 | 45.62 | 2.96 | -4.85 | -121.69 | 8.82 | 113.63 | -21.30 | 21.75 |
| Free Cash Flow | 19.30 | 21.44 | 8.22 | 11.14 | 15.35 | 2.39 | 1.29 | 13.10 | 7.31 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.95 | -0.97 |
| Price to Free Cash Flow | 11.59 | 8.09 | 31.37 | 14.20 | 10.00 | - | - | 15.91 | 29.88 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.27 | 2.06 | -0.95 | -1.02 | 0.00 | -0.54 | -0.53 | -0.38 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 102.43 | 138.15 | 126.29 | 71.54 | 85.03 | 79.46 |
| Investments | 196.02 | 197.02 | 200.19 | 198.62 | 206.99 | 217.71 |
| Net Loans | 1,202.41 | 1,173.16 | 1,164.75 | 1,164.48 | 1,094.60 | 1,079.07 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 20.77 | 21.09 | 21.30 | 21.69 | 21.76 | 21.86 |
| Interest Receivables | 5.99 | 5.46 | 5.50 | 5.49 | 5.46 | 5.30 |
| Other Intangible Assets | 85.81 | 84.25 | 85.60 | 83.45 | 82.19 | 82.62 |
| Total Assets | 1,614.49 | 1,620.06 | 1,604.60 | 1,545.37 | 1,496.26 | 1,486.30 |
| Total Deposits | 1,382.86 | 1,391.15 | 1,371.82 | 1,307.24 | 1,262.52 | 1,249.82 |
| Total Debt | 58.87 | 59.30 | 66.99 | 74.28 | 76.01 | 80.67 |
| Long Term Debt | 47.59 | 47.57 | 52.56 | 52.55 | 52.54 | 52.52 |
| Provision for Risks Charges | 1.51 | 1.39 | 1.29 | 1.37 | 1.47 | 1.65 |
| Other Liabilities | 26.90 | 21.49 | 20.84 | 21.24 | 19.32 | 20.52 |
| Total Liabilities | 1,470.15 | 1,473.32 | 1,460.94 | 1,404.13 | 1,359.32 | 1,352.65 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 144.34 | 146.74 | 143.66 | 141.24 | 136.94 | 133.65 |
| Total Shareholders Equity | 144.34 | 146.74 | 143.66 | 141.24 | 136.94 | 133.65 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 144.34 | 146.74 | 143.66 | 141.24 | 136.94 | 133.65 |
| Total Liabilities & Stockholders Equity | 1,614.49 | 1,620.06 | 1,604.60 | 1,545.37 | 1,496.26 | 1,486.30 |
| Book Value Per Share | 23.10 | 23.46 | 22.86 | 22.50 | 21.71 | 20.87 |
| Tangible Book Value Per Share | 18.76 | 19.11 | 18.54 | 17.89 | 17.40 | 16.63 |
| Tier 1 Capital | 160.24 | 160.96 | 156.30 | 151.59 | 151.90 | 152.73 |
| Tier 2 Capital | 16.75 | 16.28 | 16.02 | 16.10 | 15.24 | 15.26 |
| Full-Time Employees | 266 | 258 | - | 252 | 253 | 256 |
| Price to Book Ratio | 1.26 | 1.11 | 0.93 | 1.03 | 0.92 | 0.95 |
| Return on Assets | 1.07 | 1.08 | 1.04 | 0.95 | 0.94 | 0.85 |
| Return on Equity | 11.82 | 11.93 | 11.68 | 10.37 | 10.12 | 9.23 |
| Return on Invested Capital | 2.05 | 2.31 | 2.18 | 2.02 | 2.13 | 2.06 |
| Current Ratio | 0.14 | 0.18 | 0.17 | 0.08 | 0.13 | 0.12 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 6.76 | 5.53 | -0.51 | 7.88 | 13.16 | -3.68 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.97 | 1.31 | -2.48 | 0.39 | -0.47 | 0.06 |
| Cash from Operating Activities | 8.73 | 6.83 | -3.00 | 8.27 | 12.69 | -3.62 |
| Capital Expenditures | -0.25 | -0.37 | -0.23 | -0.70 | -1.25 | -0.53 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -5.49 | 4.54 | 4.42 | 6.93 | 5.33 | 5.42 |
| Purchase of Investments | -11.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 5.54 | 4.54 | 4.42 | 6.93 | 5.33 | 5.42 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.09 | 0.24 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -34.53 | -4.97 | 2.12 | -63.10 | -12.21 | -1.95 |
| Cash Dividends Paid | -1.00 | -1.00 | -0.98 | -0.98 | -0.95 | -0.98 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -0.19 | -0.63 | -0.68 | -0.65 | -2.01 | -2.32 |
| Repurchase of Common Pref Stock | -0.19 | -0.63 | -0.68 | -0.65 | -2.01 | -2.32 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -0.45 | -7.70 | -7.30 | -1.75 | -4.66 | 4.58 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -9.92 | 9.99 | 55.63 | 41.35 | 5.08 | -20.11 |
| Net Change in Cash | -35.73 | 11.86 | 54.75 | -13.48 | 5.56 | -25.68 |
| Free Cash Flow | 8.48 | 6.47 | -3.23 | 7.57 | 12.24 | -4.15 |
| Price to Free Cash Flow | 11.59 | 8.21 | 15.33 | 7.93 | 7.75 | 49.23 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.24% | 0.0M | 5.9M | 15.28K |
| 2026-10-15 | 0.33% | 0.0M | 5.9M | 16.49K |
| 2026-09-30 | 0.34% | 0.0M | 5.9M | 19.59K |
| 2026-09-15 | 0.39% | 0.0M | 5.9M | 37.90K |
| 2026-08-31 | 0.39% | 0.0M | 5.9M | 38.36K |
| 2026-08-14 | 0.42% | 0.0M | 5.9M | 37.95K |
| 2026-07-31 | 0.38% | 0.0M | 5.9M | 36.40K |
| 2026-07-15 | 0.42% | 0.0M | 5.6M | 34.35K |
| 2026-06-30 | 0.66% | 0.0M | 5.6M | 30.42K |
| 2026-06-15 | 2.25% | 0.1M | 5.6M | 11.45K |
| 2026-05-29 | 2.48% | 0.1M | 5.6M | 10.36K |
| 2026-05-15 | 2.62% | 0.1M | 5.6M | 10.67K |
| 2026-04-30 | 2.86% | 0.2M | 5.6M | 11.52K |
| 2026-04-15 | 2.70% | 0.2M | 5.6M | 11.30K |
| 2026-03-31 | 2.60% | 0.1M | 5.6M | 11.73K |
| 2026-03-13 | 2.69% | 0.2M | 5.6M | 11.73K |
| 2026-02-27 | 2.49% | 0.1M | 5.6M | 11.85K |
| 2026-02-13 | 2.04% | 0.1M | 5.6M | 12.23K |
| 2026-01-30 | 2.03% | 0.1M | 5.6M | 12.58K |
| 2026-01-15 | 2.08% | 0.1M | 5.6M | 12.55K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-23 | 8-K | Current report | 2026-10-23 | SEC |
| 2026-10-23 | 8-K | Current report | 2026-10-21 | SEC |
| 2026-09-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-08-19 | SCHEDULE 13G/A | SEC | ||
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-31 | SCHEDULE 13G/A | SEC | ||
| 2026-07-31 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-07-31 | 8-K | Current report | 2026-07-24 | SEC |
| 2026-07-17 | 8-K | Current report | 2026-07-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-17 | SEC |
| 2026-06-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-05-15 | SCHEDULE 13G/A | SEC | ||
| 2026-05-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-30 | SCHEDULE 13G | SEC | ||
| 2026-04-23 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-04-22 | 8-K | Current report | 2026-04-22 | SEC |
| 2026-03-27 | SCHEDULE 13G/A | SEC | ||
| 2026-03-06 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-04-22 | SEC |
| 2026-03-06 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-04 | SEC |
| 2026-02-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-20 | SEC |
| 2026-02-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-20 | SEC |
| 2026-02-13 | SCHEDULE 13G/A | SEC | ||
| 2026-02-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-11 | SEC |
| 2026-02-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-11 | SEC |
| 2026-02-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-05 | SEC |
| 2026-02-06 | 4/A | 2026-02-05 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 993 | 1 | 0 | 0 |
| 2026-02 | 0 | 0 | 21.64K | 1 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 7.46% |
| Cutler Capital Management, LLC | 6.18% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.05% |
| AMERIPRISE FINANCIAL INC | 3.85% |
| STRATEGIC VALUE BANK PARTNERS LLC | 3.58% |
| DIMENSIONAL FUND ADVISORS LP | 3.47% |
| BlackRock, Inc. | 2.53% |
| Pinnacle Holdings, LLC | 2.50% |
| Truffle Hound Capital, LLC | 2.00% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 1.30% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.86% |
| Columbia Small Cap Value Discovery Fund | 2.61% |
| U.S. SMALL CAP VALUE PORTFOLIO | 1.16% |
| VANGUARD EXTENDED MARKET INDEX FUND | 1.10% |
| Fidelity Small Cap Index Fund | 0.90% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.73% |
| Omni Small-Cap Value Fund | 0.57% |
| Avantis U.S. Small Cap Value ETF | 0.50% |
| Fidelity Extended Market Index Fund | 0.49% |
| Columbia Variable Portfolio - Small Cap Value Discovery Fund | 0.49% |
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