SB Financial Group (NASDAQ:SBFG) and Cib Marine Bancshares (OTCMKTS:CIBH) Head to Head Comparison

Cib Marine Bancshares (OTCMKTS:CIBH) and SB Financial Group (NASDAQ:SBFG) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, valuation, dividends, profitability, risk and analyst recommendations.

Institutional & Insider Ownership

66.7% of SB Financial Group shares are owned by institutional investors. 6.0% of SB Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings and price targets for Cib Marine Bancshares and SB Financial Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cib Marine Bancshares	0	0	0	0	0.00
SB Financial Group	0	1	1	0	2.50

Volatility and Risk

Cib Marine Bancshares has a beta of 0.24, indicating that its share price is 76% less volatile than the S&P 500. Comparatively, SB Financial Group has a beta of 0.19, indicating that its share price is 81% less volatile than the S&P 500.

Profitability

This table compares Cib Marine Bancshares and SB Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cib Marine Bancshares	N/A	N/A	N/A
SB Financial Group	17.22%	11.52%	1.04%

Valuation and Earnings

This table compares Cib Marine Bancshares and SB Financial Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cib Marine Bancshares	$50.14 million	1.12	$1.80 million	$1.32	31.22
SB Financial Group	$91.03 million	1.78	$13.97 million	$2.56	10.09

SB Financial Group has higher revenue and earnings than Cib Marine Bancshares. SB Financial Group is trading at a lower price-to-earnings ratio than Cib Marine Bancshares, indicating that it is currently the more affordable of the two stocks.

Summary

SB Financial Group beats Cib Marine Bancshares on 11 of the 13 factors compared between the two stocks.

About Cib Marine Bancshares

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.

About SB Financial Group

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.