SB Financial Group

We are a leading provider of financial services whose mission is to attract, retain and grow profitable customer relationships.

We exist to serve our customers. Our success is dependent on a relentless effort toward:

BUILDING RELATIONSHIPS by providing consistent first-class customer experiences;
BUILDING TEAMS by maintaining a work environment that will attract and retain quality people;
BUILDING VALUES by consistently enhancing shareholder value;
BUILDING COMMUNITIES by being a socially responsible citizen in our communities, and by sharing our resources through leadership, support and involvement.

Company Growth (employees)
Type
Public
HQ
Defiance, US
Size (employees)
190 (est)
SB Financial Group is headquartered in Defiance, US

SB Financial Group Office Locations

SB Financial Group has an office in Defiance
Defiance, US (HQ)
401 Clinton St

SB Financial Group Data and Metrics

SB Financial Group Financial Metrics

SB Financial Group's revenue was reported to be $11.2 m in Q1, 2017
USD

Revenue (Q1, 2017)

11.2 m

Gross profit (Q1, 2017)

10.3 m

Gross profit margin (Q1, 2017), %

92%

Net income (Q1, 2017)

2 m

EBIT (Q1, 2017)

6.5 m

Market capitalization (15-Aug-2017)

104.7 k

Cash (31-Mar-2017)

45.7 m
SB Financial Group's current market capitalization is $104.7 k.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

38.9 m37.2 m41.6 m46.9 m

Revenue growth, %

(4%)12%13%

Cost of goods sold

2.6 m3.2 m

Gross profit

39.1 m43.7 m

Gross profit Margin, %

94%93%

Operating expense total

26.9 m30.1 m

EBIT

22.2 m25.1 m

EBIT margin, %

53%53%

Pre tax profit

11 m12.9 m

Income tax expense

3.4 m4.1 m

Net Income

7.6 m8.8 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

9.5 m10.1 m9.8 m10.9 m10.7 m10.3 m11.5 m12.5 m11.2 m

Cost of goods sold

908 k971 k643 k651 k644 k715 k790 k828 k908 k

Gross profit

8.5 m9.2 m9.1 m10.2 m10 m9.6 m10.7 m11.7 m10.3 m

Gross profit Margin, %

90%90%93%94%94%93%93%93%92%

Sales and marketing expense

3.5 m3.4 m3.5 m3.9 m3.7 m3.8 m4.3 m4.7 m4.4 m

Operating expense total

3.5 m3.4 m3.5 m3.9 m3.7 m3.8 m4.3 m4.7 m4.4 m

EBIT

5.1 m5.2 m5.2 m5.3 m6 m5.9 m6.4 m6.7 m6.5 m

EBIT margin, %

54%51%53%48%56%57%56%53%58%

Pre tax profit

1.8 m2.1 m2.1 m2.9 m3.3 m2.4 m3.3 m3.8 m2.9 m

Income tax expense

521 k608 k637 k897 k1 m751 k1.1 m1.2 m933 k

Net Income

1.2 m1.5 m1.5 m2 m2.3 m1.7 m2.3 m2.5 m2 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

13.1 m28.2 m20.5 m17 m

Accounts Receivable

1.3 m1.3 m1.3 m1.5 m

PP&E

12.2 m13.2 m19 m19.1 m

Goodwill

16.4 m16.4 m16.4 m

Total Assets

631.8 m684.2 m733.1 m816 m

Accounts Payable

639 k264 k264 k673.1 m

Total Debt

1.2 m1.2 m26.5 m

Total Liabilities

729.5 m

Additional Paid-in Capital

15.4 m15.5 m15.4 m15.4 m

Retained Earnings

29.9 m34.4 m40.1 m46.7 m

Total Equity

56.3 m75.7 m81.2 m86.5 m

Debt to Equity Ratio

0 x0 x0.3 x

Debt to Assets Ratio

0 x0 x0 x

Financial Leverage

11.2 x9 x9 x9.4 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

13.8 m21.9 m49.8 m21.7 m18.4 m35.5 m29.9 m25.2 m45.7 m

PP&E

13.3 m13.3 m15.4 m16.4 m17.6 m19 m18.8 m18.7 m19.9 m

Goodwill

16.4 m16.4 m16.4 m16.4 m16.4 m

Total Assets

662.5 m664.6 m717.6 m707.2 m719.2 m774.8 m793.2 m801.8 m846.8 m

Accounts Payable

524.1 m535.3 m578.3 m562.9 m573.6 m638 m648.3 m662.1 m712.9 m

Common Stock

12.6 m12.6 m12.6 m12.6 m12.6 m12.6 m12.6 m12.6 m12.6 m

Preferred Stock

14 m14 m14 m

Additional Paid-in Capital

15.4 m15.4 m15.4 m15.4 m15.4 m15.4 m15.4 m15.4 m15.2 m

Retained Earnings

31.8 m33.1 m35.4 m36.9 m38.7 m41.2 m42.9 m44.9 m48.1 m

Total Equity

59 m60.3 m77.1 m78.1 m80.3 m83.1 m85 m86.3 m88 m

Financial Leverage

11.2 x11 x9.3 x9.1 x9 x9.3 x9.3 x9.3 x9.6 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

5.2 m5.3 m7.6 m8.8 m

Depreciation and Amortization

1.1 m901 k1.1 m1.5 m

Accounts Receivable

(46 k)(65 k)86 k(252 k)

Cash From Operating Activities

13.9 m5 m8.6 m14 m

Cash From Investing Activities

(8.9 m)(36.6 m)(54.7 m)(90.7 m)

Cash From Financing Activities

(11 m)46.7 m38.3 m73.3 m

Interest Paid

3.5 m3.9 m2.6 m3.1 m

Income Taxes Paid

550 k1.7 m2.1 m4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

1.2 m1.5 m1.5 m2 m2.3 m1.7 m2.3 m2.5 m2 m

Accounts Receivable

1.5 m1.9 m1.6 m1.5 m1.8 m1.5 m1.4 m1.6 m1.5 m

Accounts Payable

655 k355 k334 k289 k341 k343 k384 k427 k450 k
USDY, 2017

Revenue/Employee

59 k

Financial Leverage

9.6 x

SB Financial Group Market Value History

Traffic Overview of SB Financial Group

SB Financial Group Company Life and Culture

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