SBFG · Sb Financial Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $582.0K | - | - | - | $552.0K | - | - | - | - | - |
| Operating Income | $5.28M | - | $4.96M | $4.73M | $2.85M | - | $3.11M | - | $3.22M | $3.46M |
| Interest Expense | - | - | - | - | - | - | - | - | $5.26M | $4.58M |
| Income Tax | $985.0K | - | $910.0K | $875.0K | $481.0K | - | $752.0K | - | $537.0K | $631.0K |
| Net Income | $4.30M | - | $4.05M | $3.85M | $2.16M | - | $2.35M | - | $2.69M | $3.08M |
| EPS - Basic | $0.69 | - | $0.64 | $0.60 | $0.35 | - | $0.35 | - | $0.40 | $0.45 |
| EPS - Diluted | $0.69 | - | $0.64 | $0.60 | $0.35 | - | $0.35 | - | $0.39 | $0.44 |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $126.29M | $71.54M | $85.03M | $79.46M | $105.14M | $25.93M | $49.35M | $22.96M | $19.05M | $20.99M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.60B | $1.55B | $1.50B | $1.49B | $1.50B | $1.38B | $1.39B | $1.34B | $1.33B | $1.34B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | $19.69M | $19.64M | - | $19.63M | - |
| Total Liabilities | $1.46B | $1.40B | $1.36B | $1.35B | $1.37B | $1.25B | $1.26B | $1.22B | $1.21B | $1.22B |
| Stockholders' Equity | $143.66M | $141.24M | $136.94M | $133.65M | $131.53M | $127.51M | $125.48M | $124.34M | $112.35M | $117.67M |
| Retained Earnings | $129.63M | $126.31M | $123.37M | $120.27M | $117.40M | $116.19M | $113.52M | $108.49M | $105.52M | $103.72M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($3.00M) | - | - | - | $308.0K | - | - | - | - | - |
| Investing Cash Flow | $2.12M | - | - | - | $11.70M | - | - | - | - | - |
| Financing Cash Flow | $55.63M | - | - | - | ($8.37M) | - | - | - | - | - |
| CapEx | $229.0K | - | - | - | $159.0K | - | - | - | - | - |
| Free Cash Flow | ($3.23M) | - | - | - | $149.0K | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -0.75 | - | - | - | 0.07 | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.7% | - | 18.4% | 18.5% | 18.2% | - | 24.2% | - | 16.7% | 17.0% |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.1% | - | 0.2% | - | 0.2% | 0.2% |
| Return on equity | 3.0% | - | 3.0% | 2.9% | 1.6% | - | 1.9% | - | 2.4% | 2.6% |
| Return on invested capital | - | - | - | - | - | - | 1.6% | - | 2.0% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | 0.15 | 0.16 | - | 0.17 | - |
| Debt / Assets | - | - | - | - | - | 0.01 | 0.01 | - | 0.01 | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.6x | 0.8x |
| Equity multiplier | 11.17 | 10.94 | 10.93 | 11.12 | 11.41 | 10.82 | 11.11 | 10.80 | 11.81 | 11.40 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.90 | 0.91 | 0.92 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 30.4x | - | 30.1x | 31.8x | 59.5x | - | 58.7x | - | 34.6x | 28.7x |
| P / B | 0.9x | - | 0.9x | 1.0x | 1.1x | - | 1.1x | - | 0.8x | 0.7x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 0.8x | - | - | - | 10.2x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 85.4% | - | 59.6% | - | - | - | -3.7% | - | - | - |
| Net income growth (YoY) | 99.1% | - | 71.9% | - | - | - | -12.4% | - | -19.6% | 8.5% |
| EPS growth (YoY) | 97.1% | - | 82.9% | - | - | - | -10.3% | - | -17.0% | 10.0% |
| EPS CAGR (3y) | 25.4% | - | 10.8% | 14.5% | -4.4% | - | -15.5% | - | -17.3% | -2.2% |
| EPS CAGR (5y) | -6.6% | - | -1.5% | 5.0% | 31.2% | - | -6.1% | - | 0.0% | 1.9% |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 9.2% | 10.8% | 9.1% | - | - | 2.5% | 11.7% | 5.0% | -2.0% | -5.5% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing SB FINANCIAL GROUP against the 5 most active filers in the same SIC group.
Dividends
$0.62/share trailing 12 months · +6.9% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.1600 |
| Feb 13, 2026 | $0.1550 |
| Nov 14, 2025 | $0.1550 |
| Aug 15, 2025 | $0.1500 |
| May 16, 2025 | $0.1500 |
| Feb 14, 2025 | $0.1450 |
| Nov 8, 2024 | $0.1450 |
| Aug 9, 2024 | $0.1400 |
| May 9, 2024 | $0.1400 |
| Feb 8, 2024 | $0.1350 |
| Nov 9, 2023 | $0.1350 |
| Aug 10, 2023 | $0.1300 |
| May 11, 2023 | $0.1300 |
| Feb 9, 2023 | $0.1250 |
| Nov 9, 2022 | $0.1250 |
| Aug 11, 2022 | $0.1200 |
| May 12, 2022 | $0.1200 |
| Feb 10, 2022 | $0.1150 |
| Nov 10, 2021 | $0.1095 |
| Aug 12, 2021 | $0.1048 |
| May 13, 2021 | $0.1048 |
| Feb 11, 2021 | $0.1000 |
| Nov 5, 2020 | $0.1000 |
| Aug 6, 2020 | $0.0952 |