SB Financial Group, Inc. — Earnings Quality Grade B
SBFG · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change -1 days YoY
AR growth 11.9% vs revenue growth 15.1%
Revenue 15.1%, CFFO 154.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 111.7% is >2x revenue growth 15.1%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.72. Profits backed by cash
FCF $0.0B, FCF/NI = 1.53
Accruals ratio = -0.7%. Low accruals
Cash $0.1B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 30% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 11% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor SBFG continuously
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Altman Z-Score — Not Applicable
SB Financial Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25