SB Financial Group Inc (SBFG) — Cash Flow Quality Index
SB Financial Group Inc (SBFG) has a Cash Flow Quality Index of 1.52x as of June 2026. Operating cash flow of $6.83 Million exceeds net income of $4.50 Million, indicating high earnings quality where cash backs reported profits. Explore SBFG cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SB Financial Group Inc Cash Flow Quality Index (1995–2025)
Historical Cash Flow Quality Index for SB Financial Group Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of SB Financial Group Inc.
Annual Cash Flow Quality Index for SB Financial Group Inc (1995–2025)
Year-by-year earnings quality comparison for SB Financial Group Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.72x | $24.04 Million | $13.97 Million | ▲ +108.8% |
| 2024 | 0.82x | $9.45 Million | $11.47 Million | ▼ -28.8% |
| 2023 | 1.16x | $13.99 Million | $12.10 Million | ▼ -43.4% |
| 2022 | 2.04x | $25.57 Million | $12.52 Million | ▲ +116.3% |
| 2021 | 0.94x | $17.26 Million | $18.28 Million | ▼ -41.0% |
| 2020 | 1.60x | $23.91 Million | $14.94 Million | ▲ +1.7% |
| 2019 | 1.57x | $18.83 Million | $11.97 Million | ▲ +32.1% |
| 2018 | 1.19x | $13.85 Million | $11.64 Million | ▲ +34.3% |
| 2017 | 0.89x | $9.80 Million | $11.06 Million | ▼ -44.5% |
| 2016 | 1.60x | $14.03 Million | $8.78 Million | ▲ +41.2% |
| 2015 | 1.13x | $8.62 Million | $7.62 Million | ▲ +18.9% |
| 2014 | 0.95x | $5.01 Million | $5.26 Million | ▼ -64.5% |
| 2013 | 2.68x | $13.95 Million | $5.21 Million | ▲ +73.9% |
| 2012 | 1.54x | $7.42 Million | $4.81 Million | ▼ -82.8% |
| 2011 | 8.96x | $14.91 Million | $1.66 Million | ▲ +147.7% |
| 2009 | -18.78x | $-7.18 Million | $382.49K | ▼ -1114.0% |
| 2008 | 1.85x | $9.66 Million | $5.22 Million | ▲ +2.0% |
| 2007 | 1.82x | $5.91 Million | $3.26 Million | ▲ +7.7% |
| 2006 | 1.69x | $4.65 Million | $2.76 Million | ▼ -73.2% |
| 2005 | 6.28x | $4.23 Million | $673.09K | ▲ +201.2% |
| 2004 | 2.08x | $5.70 Million | $2.73 Million | ▲ +351.2% |
| 2003 | 0.46x | $5.68 Million | $12.31 Million | ▼ -87.7% |
| 2001 | 3.75x | $8.44 Million | $2.25 Million | ▲ +71.8% |
| 2000 | 2.18x | $13.27 Million | $6.09 Million | ▼ -22.3% |
| 1999 | 2.81x | $14.60 Million | $5.20 Million | ▲ +282.4% |
| 1998 | -1.54x | $-6.59 Million | $4.28 Million | ▼ -309.5% |
| 1997 | 0.73x | $4.05 Million | $5.52 Million | ▼ -58.6% |
| 1996 | 1.77x | $8.60 Million | $4.85 Million | ▼ -9.6% |
| 1995 | 1.96x | $8.03 Million | $4.09 Million | — |