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Stock Ratings / Financials / SBFG / earnings
LARK (57) CBFV (62) FINW (47) GBFH (46) ⌘ Pro Terminal →

SB Financial Group Inc. (SBFG) Next Earnings Date & Expected ±7.2% Move

$30.89 -1.06% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $30.91

SB Financial Group Inc. (SBFG) earns a Roarable Rating of B- (Buy) with 71/100 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.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →
ROARABLE B- • BUY Cap $195.2M
📤 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 2026-11-02, SB Financial Group Inc. (NASDAQ: SBFG) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $30.89 (-1.06% 1D, market cap $195.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBFG ranks #112 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- (71/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 9.9%. By comparison, LARK (Landmark Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E N/A, ROIC 0.0%, cap $196.9M) and CBFV (CB Financial Services Inc.) posts a C grade (62/100 RQD, P/E 41.7x, ROIC 3.1%, cap $204.3M). Among the 5-stock peer group, GBFH leads on earnings multiple (10.6x) while GBFH leads on capital efficiency (12.6% 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 $0 in revenue, $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: $30.91 (+0.05%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 0.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B-
025507510071
2-of-3 JEV AI Jury 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 SNOWFLAKE RADARRw B- · Rk B
Cash (15)Whales (11)SEC (13)Macro (16)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5.9% Base Target
$39 Bull$33 Base$25 Bear
📬 FREE SBFG RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SBFG)Realized 20D OHLCV Swing Band: ±7.2%
Deterministic 5-Pillar Attribution (71/100 Composite)
🔍 WHY SBFG SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 86% of 52W Range • RSI-14 at 64.1 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$29.21+1.1% Next Q
Q2 (-2Q)
66
Grade B-$29.53+2.6% Next Q
Q3 (-1Q)
68
Grade B-$30.30+1.9% Next Q
Current
71
Grade B-$30.89+6.8% Hist 90D α
Trajectory: C+ (63) → B- (71)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 71/100 (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 ($29.30) or 200D SMA ($24.49) invalidates the momentum regime and cuts Target Base ($32.70) toward Bear Floor ($25.33).

🎲 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 71%NO 29%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±7.2% Swing Band

±$2.22 Expected Swing
$28.67 (-7.2%)Spot $30.89$33.11 (+7.2%)
MODEL EARNINGS SETUP GAUGE

SBFG Quantitative Pre-Earnings Setup: 71/100

Trailing EPS: $2.23 • YoY Revenue Growth: 12.4%

Model Bullish Setup (71/100)Model Risk Weight (29/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$0$14.0M$24.0M52%
FY 20242024-12-31$0$11.5M$9.5M52%
FY 20232023-12-31$0$12.1M$14.0M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating SBFG & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on SBFG
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
SBFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +48.22%▲ ASCENDING CHANNEL
2026-10-30O $30.98H $31.09L $30.16C $30.89VOL 23.4K
RES: $35.40SUP: $25.71SMA50: $29.30SMA200: $24.49
$33.78$30.27$26.75$23.24$19.73RES $35.40SUP $25.71$30.892026-04-302026-06-152026-07-312026-09-162026-10-30
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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)
5.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #112 of 1096 ⚔️ LARK vs SBFG Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, SB Financial Group Inc. (SBFG) ranks #112 by composite RQD confidence (71/100, grade B-) and #889 by equity capitalization ($195.2M). Within this direct 5-issuer industry benchmark cohort, GBFH leads on earnings valuation at 10.6x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. SBFG currently leads its immediate peer cohort in composite quantitative strength at 71/100 (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- 71/100 14.0x — 9.9% -1.06% $195.2M Benchmark Subject
LARK
Landmark Bancorp Inc.
D+ 57/100 — — 0.0% -0.62% $196.9M /lark-vs-sbfg →
CBFV
CB Financial Services Inc.
C 62/100 41.7x — 3.1% -1.34% $204.3M /cbfv-vs-sbfg →
FINW
FinWise Bancorp
D 47/100 11.5x — 8.3% -1.05% $185.1M /finw-vs-sbfg →
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x — 12.6% -0.39% $220.9M /gbfh-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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 $0 $14.0M $24.0M $24.0M $1.55B —
FY2024 (FY) 2024-12-31 $0 $11.5M $9.5M $9.5M $1.38B $19.7M
FY2023 (FY) 2023-12-31 $0 $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 2026-11-02, SB Financial Group Inc. (NASDAQ: SBFG) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $30.89 (-1.06% 1D, market cap $195.2M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBFG ranks #112 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- (71/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 9.9%. By comparison, LARK (Landmark Bancorp Inc.) holds a D+ grade (57/100 RQD, P/E N/A, ROIC 0.0%, cap $196.9M) and CBFV (CB Financial Services Inc.) posts a C grade (62/100 RQD, P/E 41.7x, ROIC 3.1%, cap $204.3M). Among the 5-stock peer group, GBFH leads on earnings multiple (10.6x) while GBFH leads on capital efficiency (12.6% 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 $0 in revenue, $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 $30.89 (-1.06% on volume of 23,435 shares), positioning the stock +5.43% above its 50-day simple moving average ($29.30) and +26.13% above its 200-day simple moving average ($24.49). Across its 52-week range of $18.72 to $32.93, SBFG sits at the 85.6% percentile with a 14-day RSI of 64.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.2% ($28.67 to $33.11).

SBFG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is SBFG's next earnings date?

Based on SEC filing cadence, SB Financial Group Inc. (SBFG)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is SBFG stock expected to move on earnings?

Volatility modeling currently projects a ±7.2% event move for SBFG, spanning a range between $28.67 and $33.11.

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 71/100 (B-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: roarable-bundle-v1
As of: 2026-11-02T15:08:05Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD 5-pillar rating engine, SB Financial Group Inc. (SBFG) carries a composite score of 71 / 100 (B- — Roarable Buy — Sound Institutional Accumulation).\n- Fundamental Cash Engine (15 / 20): Return on invested capital (ROIC) registers at 9.9% with a free cash flow yield of 12.31% and gross margin of 0.0%.\n- Institutional 13F Whale Flow (11 / 20): Tracks institutional accumulation and dark-pool/options positioning relative to the Major Banks cohort.\n- Insider & Congressional Conviction (16 / 20): Evaluates open-market Form 4 executive purchases and Congressional PTR disclosures.\n- Macro Regime Fit (16 / 20): Equity beta of 1.00 across the Financials sector.\n- Forensic Balance-Sheet Shield (13 / 20): Altman Z-Score of 2.50, Piotroski F-Score of 5/9, and Debt-to-Equity of 0.50.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %\n------------------------------\n$30.89$195.2M14.013.0N/A2.231.97%1.00$18.72 - $32.939.9%

Business & Sector Positioning

SB Financial Group Inc. (SBFG) is a NASDAQ-listed Financials issuer operating in Major Banks with a market capitalization of $0.2B.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Operating within Major Banks (Financials), SBFG exhibits an operating margin of 0.0% and net margin of 0.0%. Prospective investors should monitor 2nd-order capex cycles, input cost pass-through in gross margin (0.0%), and valuation discipline (13.0x forward P/E) relative to free cash flow conversion.

Open Questions for Prospective Investors

  • How sustainable is SBFG's current operating margin (0.0%) and ROIC (9.9%) over the next four quarters?\n2. Does the current valuation multiple (14.0x TTM P/E) adequately discount macro sensitivity (Beta 1.00) in Major Banks?\n3. Will upcoming quarterly cash flow conversion support continued balance-sheet strength (Altman Z 2.50)?

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) ↓
🟡 MARKET WIRE Yahoo • 10d ago
SB Financial Group Q3 Earnings Call Highlights

SB Financial Group (NASDAQ:SBFG) reported third-quarter net income of $3.9 million, or $0.63 per diluted share, compared with $4 million, or $0.64 per diluted share, in the preceding quarter. Chairman, President and CEO

Read Full Source ↗
🟡 MARKET WIRE Benzinga • 10d ago
SB Finl Gr Q3 2026 Earnings Call Transcript

SB Finl Gr (NASDAQ:SBFG) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga APIs.

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SBFG Bull vs. Bear Conversation Board — What's Your Call at $30.89?

🐂 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.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $36.45 (+18.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is SBFG (B- • RQD 71/100) a Buy at $30.89?

Welcome to the SBFG (SB Financial Group Inc.) Roar Pit. Current RQD Composite is 71/100 (Roarable Buy — Sound Institutional Accumulation) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $23.48 (-24.0%)
Spot @ $30.89

Pump the brakes on SBFG — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on SBFG, but look at what you are paying: 14.0x trailing P/E with tightening sector spreads. Unless SB Financial Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $36.14 (+17.0%)
Spot @ $30.89

SBFG cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on SBFG, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $30.89 (52-wk range $18.72 - $32.93), any beat on forward guidance forces shorts and underweight funds to chase.

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