SBFG – Dividend Returns, History & Calculator

Dividend Contender 12 Years

Dividend Data

Div Yield 2.96%
5Y Avg Yield 3.07%
Current Div $0.160
Payouts/Year 4
Annualized $0.640
Previous Div $0.155
Ex-date May 15, 2026
Dividend Pay Date May 29, 2026

Price Data

Price $21.60
Price Change -0.38
Price Change % -1.73%
Next Earnings Report Jul 23, 2026
Low (52W) $17.10
High (52W) $23.93

Growth Rates

Chowder Number 12.1
DGR 1Y 6.9%
DGR 3Y 7.4%
DGR 5Y 9.2%
DGR 10Y 11.5%

Total Returns

TTR 1Y - With Specials 17.9%
TTR 3Y - With Specials 25.1%
TTR 1Y - No Specials 17.9%
TTR 3Y - No Specials 25.1%

Fair Value

Fair Value (P/E 10) $16.89
FV (P/E 10) % 28.0%
Fair Value (Peter Lynch) $12.75
FV (Peter Lynch) % 69.0%
Fair Value (Blended) $16.99
FV (Blended) % 27.0%

Financial Metrics

Revenue 1Y 21.4%
NPM 32.3%
CF/Share $2.29
ROE 11.7%
Debt/Capital 25.0%
ROTC 8.4%
P/E 8.5x
P/BV 1.0x
PEG 1.90

Company Info

Symbol SBFG
Company SB Financial Group, Inc.
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $135.5M
📊 Financial data last updated: June 1, 2026 12:29 pm

Calculate your SBFG Dividend Returns

Quickly and easily calculate SBFG dividend yield using our SBFG calculator. Adjust the fields below to see how your SBFG investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: June 3, 2026 2:27 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000470$21.29$0.163.01%3.01%$327$327541$11,527
2$12,387541$22.88$0.183.10%3.33%$412$739612$13,999
3$15,045612$24.59$0.203.20%3.69%$511$1,250681$16,756
4$18,007681$26.42$0.223.30%4.09%$626$1,876751$19,833
5$21,314751$28.40$0.243.40%4.54%$760$2,636820$23,274
6$25,012820$30.52$0.273.51%5.03%$916$3,552889$27,128
7$29,154889$32.80$0.303.62%5.58%$1,097$4,649959$31,451
8$33,799959$35.24$0.333.73%6.18%$1,308$5,9571,030$36,307
9$39,0181,030$37.88$0.363.85%6.85%$1,553$7,5111,103$41,771
10$44,8901,103$40.70$0.403.97%7.59%$1,840$9,3501,178$47,930

SBFG Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/15/202605/15/2026$0.1602.92%3.01%$21.26
02/13/202602/13/2026$0.1552.91%2.96%$20.93
11/14/202511/14/2025$0.1552.94%3.04%$20.38
08/15/202508/15/2025$0.1502.84%2.88%$20.81
05/16/202505/16/2025$0.1503.01%3.11%$19.30
02/14/202502/14/2025$0.1452.43%2.48%$23.42
11/08/202411/08/2024$0.1453.00%3.11%$18.67
08/09/202408/09/2024$0.1403.57%3.63%$15.42
05/09/202405/09/2024$0.1403.96%4.11%$13.63
02/08/202402/08/2024$0.1353.44%3.51%$15.40
11/09/202311/09/2023$0.1353.92%4.08%$13.25
08/10/202308/10/2023$0.1303.67%3.74%$13.90
05/11/202305/11/2023$0.1304.22%4.38%$11.86
02/09/202302/09/2023$0.1252.90%2.96%$16.89
11/09/202211/09/2022$0.1252.91%3.03%$16.50
08/11/202208/11/2022$0.1202.77%2.86%$16.80
05/12/202205/12/2022$0.1202.53%2.70%$17.79
02/10/202202/10/2022$0.1152.20%2.33%$19.74
11/10/202111/10/2021$0.1102.28%2.39%$18.35
08/12/202108/12/2021$0.1052.42%2.48%$16.90
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Invest in SBFG with Interactive Brokers

SBFG 10-yr Total Return ($10,000 invested)

This analysis of SBFG demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 9.9% CAGR, representing moderate long-term performance. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (SBFG)

Over the selected period, investing $10,000 in SBFG would grow to $33,516 with DRIP (235.2%), and $30,086 without DRIP (200.9%).

SBFG Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in SBFG with historic price growth (7.47%) and dividend growth (10.84%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $185,472

Annual Dividend: $10,354

Yield on Cost: 30.45%

Total Dividends: $57,805

No DRIP

Portfolio: $133,612

Total Dividends: $37,550

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $730,629

Annual Dividend: $55,586

Yield on Cost: 120.84%

Total Dividends: $308,487

No DRIP

Portfolio: $346,751

Total Dividends: $131,752

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $16,735 against a total investment of $25,600. At this point, your portfolio is throwing off $3,358 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $6,386, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $57,805 versus $34,000 invested, nearly a 170% recovery of capital purely from income. Yield on cost reaches 30.45%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $23,571 is greater than total contributions to date ($40,000), and cumulative dividends exceed $133,391.

By year 30, the DRIP snowball is in full force. Yearly income reaches $55,586, cumulative dividends total $308,487, and the DRIP portfolio value stands at $730,629, compared with $346,751 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for SBFG, price $21.29, dividend per period $0.16 (4x/year), along with historic growth assumptions: price growth 7.47% and dividend growth 10.84% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for SBFG

Based on past 10-year performance, here are SBFG growth metrics:

Share price CAGR of +4.06%
Dividend CAGR of +11.46%

Using SBFG CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

SBFG (DRIP)SBFG (No DRIP)
Current Price$21.15$21.15
Start Shares472.81472.81
Start Value$10,000$10,000
After 10 years:
Final Share Count734.11472.81
Dividends Payment$1.89$1.89
Annual Dividends$1,311$895
Yield on cost13.11%8.95%
Share Price$31.49$31.49
Total Dividends$7,175$5,766
Final Value$23,117$20,655

Estimated Future Value + Dividends – SBFG

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

SBFG Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/15/202605/15/2026$0.1602.92%3.01%$21.26
02/13/202602/13/2026$0.1552.91%2.96%$20.93
11/14/202511/14/2025$0.1552.94%3.04%$20.38
08/15/202508/15/2025$0.1502.84%2.88%$20.81
05/16/202505/16/2025$0.1503.01%3.11%$19.30
02/14/202502/14/2025$0.1452.43%2.48%$23.42
11/08/202411/08/2024$0.1453.00%3.11%$18.67
08/09/202408/09/2024$0.1403.57%3.63%$15.42
05/09/202405/09/2024$0.1403.96%4.11%$13.63
02/08/202402/08/2024$0.1353.44%3.51%$15.40
11/09/202311/09/2023$0.1353.92%4.08%$13.25
08/10/202308/10/2023$0.1303.67%3.74%$13.90
05/11/202305/11/2023$0.1304.22%4.38%$11.86
02/09/202302/09/2023$0.1252.90%2.96%$16.89
11/09/202211/09/2022$0.1252.91%3.03%$16.50
08/11/202208/11/2022$0.1202.77%2.86%$16.80
05/12/202205/12/2022$0.1202.53%2.70%$17.79
02/10/202202/10/2022$0.1152.20%2.33%$19.74
11/10/202111/10/2021$0.1102.28%2.39%$18.35
08/12/202108/12/2021$0.1052.42%2.48%$16.90
05/13/202105/13/2021$0.1052.31%2.42%$17.31
02/11/202102/11/2021$0.1002.24%2.30%$17.43
11/05/202011/05/2020$0.1002.56%2.69%$14.88
08/06/202008/06/2020$0.0953.00%3.08%$12.38
05/07/202005/07/2020$0.0952.53%2.66%$14.30
02/06/202002/06/2020$0.0911.85%1.90%$19.00
11/07/201911/07/2019$0.0912.08%2.20%$16.48
08/08/201908/08/2019$0.0862.18%2.24%$15.31
05/09/201905/09/2019$0.0861.86%1.97%$17.42
02/07/201902/07/2019$0.0811.81%1.86%$17.40
11/08/201811/08/2018$0.0811.78%1.89%$17.14
08/09/201808/09/2018$0.0761.55%1.60%$19.05
05/10/201805/10/2018$0.0761.57%1.67%$18.21
02/15/201802/15/2018$0.0711.58%1.63%$17.49
11/09/201711/09/2017$0.0711.60%1.71%$16.67
08/09/201708/09/2017$0.0671.61%1.67%$15.99
05/10/201705/10/2017$0.0671.49%1.60%$16.66
02/08/201702/08/2017$0.0621.34%1.40%$17.71
11/08/201611/08/2016$0.0621.90%2.06%$12.02
08/10/201608/10/2016$0.0572.00%2.09%$10.93
05/11/201605/11/2016$0.0572.10%2.29%$10.00
02/10/201602/10/2016$0.0522.08%2.18%$9.61
11/10/201511/10/2015$0.0521.82%2.00%$10.48
08/12/201508/12/2015$0.0481.73%1.82%$10.48
05/13/201505/13/2015$0.0481.67%1.85%$10.30
02/04/201502/04/2015$0.0431.77%1.88%$9.14
11/05/201411/05/2014$0.0431.82%2.05%$8.38
08/06/201408/06/2014$0.0381.76%1.88%$8.11
05/07/201405/07/2014$0.0381.75%2.00%$7.64
02/05/201402/05/2014$0.0331.51%1.63%$8.19
10/30/201310/30/2013$0.0331.47%1.72%$7.76
07/31/201307/31/2013$0.0292.22%1.52%$7.52
05/08/201305/08/2013$0.0292.67%1.36%$8.39
03/15/201303/15/2013$0.0243.23%1.10%$8.69
11/04/200911/04/2009$0.0864.97%4.97%$6.90
08/05/200908/05/2009$0.0864.71%4.71%$7.29
04/29/200904/29/2009$0.0864.31%4.31%$7.95
02/04/200902/04/2009$0.0864.32%4.44%$7.71
10/30/200810/30/2008$0.0864.25%4.50%$7.62
08/06/200808/06/2008$0.0863.55%4.00%$8.58
04/30/200804/30/2008$0.0762.96%3.16%$9.66
02/06/200802/06/2008$0.0762.40%2.74%$11.13
10/31/200710/31/2007$0.0672.06%2.21%$12.05
08/01/200708/01/2007$0.0671.95%2.19%$12.18
05/02/200705/02/2007$0.0571.86%1.94%$11.76
02/07/200702/07/2007$0.0571.96%2.14%$10.67
11/02/200611/02/2006$0.0571.87%2.13%$10.71
08/02/200608/02/2006$0.0481.67%1.67%$11.40
05/03/200605/03/2006$0.0481.65%1.65%$11.52
02/08/200602/08/2006$0.0481.59%1.59%$12.00
11/02/200511/02/2005$0.0481.60%1.60%$11.90
08/03/200508/03/2005$0.0482.16%1.54%$12.33
05/04/200505/04/2005$0.0482.57%1.43%$13.33
02/09/200502/09/2005$0.0483.06%1.39%$13.69
06/05/200206/05/2002$0.1243.88%3.95%$12.53
03/13/200203/13/2002$0.1243.80%3.95%$12.54
12/13/200112/13/2001$0.1242.74%3.86%$12.84
06/06/200106/06/2001$0.1141.83%3.66%$12.48
12/13/200012/13/2000$0.1140.98%3.92%$11.67
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter-over-quarter and year-over-year changes for additional context.

SBFG Price

Price to Earnings

SBFG trades at a 33.3x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

SBFG trades at a 11.3x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

SBFG generated $0.0B in revenue. Revenue has grown by 29% over the period.

Net Income

SBFG reported $0.0B in net income. Net income has grown by 37% over the period.

Revenue vs Net Income

SBFG generated $0.0B in revenue with net income of $0.0B, representing a 33.8% net profit margin.

Gross Profit

SBFG achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

SBFG generated $0.0B in operating income, representing profit from core business operations.

EBITDA

SBFG generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

SBFG generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

SBFG generated $0.0B in free cash flow. Free cash flow has increased by 38% over the period.

Free Cash Flow / Share

SBFG generates $0.72 in free cash flow per share. FCF per share has grown by 38% over the period.

Earnings Per Share (EPS)

SBFG reported $0.68 in earnings per share. EPS has grown by 37% over the period.

Return on Equity (ROE)

SBFG delivered a 28.2% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

SBFG achieved a 16.9% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

SBFG maintains a 33.8% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

SBFG operates with a 76.0% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

SBFG holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

SBFG has 0.0B shares outstanding.

Stock-Based Comp

SBFG reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 29%.

FCF vs Stock Based Comp

SBFG generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 7% of FCF.

FCF vs FCF / Share

SBFG reported $0.0B in free cash flow, translating to $0.72 per share.

Revenue: Actual + Estimates

This chart tracks SBFG revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks SBFG eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks SBFG net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks SBFG ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

About SB Financial Group, Inc.

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking, trust and wealth management services, and title insurance to individual and corporate customers primarily in Oh

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Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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