SB Financial Group Inc. (SBFG) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, SBFG scores 71 out of 100 with a letter grade of B- and the verdict label "Roarable Buy — Sound Institutional Accumulation." The fundamental cash engine pillar scores 15 out of 20, supported by an ROIC of 9.9% and an FCF yield of 12.31%; for a prospective investor, this suggests the company's cash generation is a meaningful driver of the rating, though the source does not break down what portion of FCF yield reflects the current share price. The whale/13F flow pillar scores 11 out of 20 on institutional accumulation and options positioning, the lowest of the five pillars, indicating institutional signals are present but comparatively weaker than other factors. The insider conviction pillar scores 16 out of 20 on SEC Form 4 and Congressional PTR cluster flow, a relatively strong reading that investors may view as a positive alignment signal, though the underlying transaction detail is not provided in the source data. The macro regime fit pillar scores 16 out of 20, reflecting a beta of 1.0 and sector sensitivity, implying the stock tracks broader market movement without amplifying it. The forensic balance sheet pillar scores 13 out of 20, based on an Altman Z of 2.5, a Piotroski F of 5/9, and a Debt/Equity of 0.5. Taken together, the pillar mix points to a stock whose upside case rests on cash generation and insider signals, with institutional flow and balance sheet strength as more moderate contributors. Valuation tradeoffs are visible in the market data: a trailing P/E of 14 and forward P/E of 13 sit alongside a 52-week range of $18.72 to $32.93 and a current price of $30.89, placing the stock near the upper portion of its annual range.

SB Financial Group Inc. is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry, per the company profile. The source data does not describe its products, customer base, or revenue model. Market capitalization is reported at $0.2B.

Per the SEC financials, net income moved from $12.1M in FY 2023 to $11.5M in FY 2024 and then to $14.0M in FY 2025, while FCF rose from $9.5M in FY 2024 to $24.0M in FY 2025. Revenue, operating income, and margin fields are reported as $0.0M or 0% and therefore cannot be interpreted; gross, operating, and net margin are each listed as 0%. Per the Roarable RQD rating, ROIC is 9.9%, the Altman Z is 2.5, the Piotroski F is 5/9, and Debt/Equity is 0.5. The source does not provide cash balances for any period, so liquidity posture beyond these ratios cannot be assessed.

Per the recent news feed, the most recent items reference SBFG's third-quarter results: one headline describes "margin strength behind flat EPS" (YELLOW, MARKET WIRE), another reports the company "beats Q3 earnings and revenue estimates" (GREEN, CATALYST), and a third discusses "credit quality in focus" (YELLOW, MARKET WIRE). A separate item reports a 6% dividend increase with a November 27 payout (YELLOW, MARKET WIRE). A further headline notes the stock edged lower to $29.34 and describes a bear-flag pattern (RED, RISK WATCH). Summary text for several items is generic boilerplate, so the specific figures behind these headlines are not available in source data. The butterfly supply-chain graph reports no supply-chain links and no proprietary signals.

• What are SBFG's revenue and operating income figures, given that the financial data reports $0.0M for these fields in every period?
• What are the cash and debt balances for each reported period, and what drives the FY 2024 debt figure of $19.7M?
• What specific Q3 results underlie the "margin strength" and "credit quality" headlines, and what are the EPS and revenue figures?
• What transactions make up the insider and Congressional cluster flow behind the 16/20 insider conviction pillar?
• What is the company's business mix and revenue model, given the source data supplies only sector and industry labels?