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Financials · SBFG

SB Financial Group Inc. (SBFG) financials

For the twelve months ended Sep 30, 2026, SB Financial Group Inc. reported $69.86M of revenue and $16.66M of net income.

Revenue, TTM
$69.86M
Revenue growth, YoY
+8.2%
Net income, TTM
$16.66M
Net income growth, YoY
+21.7%
Net margin
23.8%
Free cash flow, TTM
$19.30M
EPS, diluted, TTM
$2.66
EPS growth, YoY
+25.5%
Cash
$102.43M
P/E
10.59
P/S
2.53
Market cap
$176.5M
Annual revenue$65.56M
FY2016FY2025
Annual net income$13.97M
FY2016FY2025
Annual free cash flow$21.44M
FY2016FY2025

SBFG revenue and earnings growth

SBFG revenueQ3 2026$18.07M

Quarter YoY
+9.0%
QoQ
+0.7%
FY YoY
+15.1%
5Y CAGR
-0.3%
10Y CAGR
+5.3%

SBFG revenue was $18.07M in fiscal Q3 2026 (ended Sep 30, 2026), up 9.0% from a year earlier and up 0.7% from the prior quarter. For the full fiscal 2025 it was $65.56M, up 15.1% from fiscal 2024. Compound annual growth was -0.3% over 5 years and +5.3% over 10 years. It rose in 7 of the last 10 fiscal years.

SBFG net incomeQ3 2026$3.95M

Quarter YoY
-2.5%
QoQ
-12.3%
FY YoY
+21.8%
5Y CAGR
-1.3%
10Y CAGR
+6.3%

SBFG net income was $3.95M in fiscal Q3 2026 (ended Sep 30, 2026), down 2.5% from a year earlier and down 12.3% from the prior quarter. For the full fiscal 2025 it was $13.97M, up 21.8% from fiscal 2024. Compound annual growth was -1.3% over 5 years and +6.3% over 10 years. It rose in 7 of the last 10 fiscal years.

SBFG EPSQ3 2026$0.63

Quarter YoY
-1.6%
QoQ
-12.5%
FY YoY
+27.3%
5Y CAGR
+2.2%

SBFG diluted EPS was $0.63 in fiscal Q3 2026 (ended Sep 30, 2026), down 1.6% from a year earlier and down 12.5% from the prior quarter. For the full fiscal 2025 it was $2.19, up 27.3% from fiscal 2024. Compound annual growth was +2.2% over 5 years.

SBFG free cash flowQ3 2026$8.48M

Quarter YoY
-30.7%
QoQ
+31.2%
FY YoY
+160.7%
5Y CAGR
-0.5%
10Y CAGR
+31.2%

SBFG free cash flow was $8.48M in fiscal Q3 2026 (ended Sep 30, 2026), down 30.7% from a year earlier and up 31.2% from the prior quarter. For the full fiscal 2025 it was $21.44M, up 160.7% from fiscal 2024. Compound annual growth was -0.5% over 5 years and +31.2% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$65.56M$56.94M$56.99M$57.63M$41.90M$66.53M$54.32M$49.89M$45.60M$43.74M
Interest expense--$18.88M$5.17M$4.02M$6.71M$9.57M$6.21M$4.09M$3.20M
Pre-tax income$17.25M$13.86M$14.72M$15.32M$22.72M$18.44M$14.63M$14.44M$13.63M$12.90M
Income tax$3.28M$2.39M$2.62M$2.79M$4.45M$3.50M$2.66M$2.81M$2.56M$4.12M
Net income$13.97M$11.47M$12.10M$12.52M$18.28M$14.94M$11.97M$11.64M$11.06M$8.78M
EPS, basic$2.19$1.72$1.77$1.79$2.58$1.96$1.71$1.72$2.10$1.60
EPS, diluted$2.19$1.72$1.75$1.77$2.56$1.96$1.51$1.51$1.74$1.38
Diluted shares6.4M6.7M6.9M7.1M7.1M7.6M7.9M7,7196.4M6,376

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$71.54M$25.93M$22.96M$27.82M$149.51M$140.69M$27.06M$48.36M$26.62M$17.01M
Goodwill$27.16M$23.24M$23.24M$23.24M$23.19M$22.09M$17.79M$16.35M$16.40M$16.40M
Total assets$1.55B$1.38B$1.34B$1.34B$1.33B$1.26B$1.04B$986.83M$876.63M$816.00M
Short-term debt$9.23M$10.59M$13.39M$14.92M$15.32M$20.19M$12.95M$15.20M$15.10M$10.50M
Long-term debt-$19.69M$19.64M$19.59M$19.55M-----
Total debt-$30.27M$33.03M$34.52M$34.87M$218.78M----
Total liabilities$1.40B$1.25B$1.22B$1.22B$1.19B$1.11B$902.48M$856.39M$782.63M$729.46M
Shareholders' equity$141.24M$127.51M$124.34M$118.43M$144.93M$142.92M$136.09M$130.44M$94.00M$86.55M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$24.04M$9.45M$13.99M$25.57M$17.26M$23.91M$18.83M$13.85M$9.80M$14.03M
Capital expenditures$2.60M$1.23M$958.0K$1.90M$2.43M$1.98M$2.04M$2.00M$3.71M$1.64M
Free cash flow$21.44M$8.22M$13.03M$23.67M$14.83M$21.93M$16.79M$11.85M$6.09M$12.39M
Investing cash flow-$68.08M-$28.95M-$17.39M-$165.67M-$71.99M-$57.22M-$67.61M-$87.59M-$49.53M-$90.73M
Financing cash flow$89.66M$22.46M-$1.45M$18.41M$63.55M$146.94M$27.49M$95.48M$49.33M$73.25M
Dividends paid$3.85M$3.77M$3.58M$3.42M$3.14M$3.07M$2.33M$2.09M$1.36M$1.18M
Share repurchases$5.69M$4.77M$3.47M$5.90M$9.52M$7.17M$5.05M$109.0K$1.78M$1.17M
Stock-based compensation$536.0K$637.0K$576.0K$568.0K$443.0K$382.0K$417.0K$278.0K$303.0K$114.0K
Depreciation and amortization$2.20M$2.15M$2.23M$2.20M$2.26M$1.94M$1.88M$1.69M$1.57M$1.51M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY15.1%-0.1%-1.1%37.5%-37.0%22.5%8.9%9.4%4.3%12.0%
Net income growth, YoY21.8%-5.2%-3.4%-31.5%22.3%24.8%2.9%5.2%26.0%15.3%
EPS growth, YoY27.3%-1.7%-1.1%-30.9%30.6%29.8%---16.0%
Net margin21.3%20.1%21.2%21.7%43.6%22.5%22.0%23.3%24.3%20.1%
Free cash flow margin32.7%14.4%22.9%41.1%35.4%33.0%30.9%23.8%13.4%28.3%
Return on equity9.9%9.0%9.7%10.6%12.6%10.5%8.8%8.9%11.8%10.1%
Return on assets0.9%0.8%0.9%0.9%1.4%1.2%1.2%1.2%1.3%1.1%
Debt to equity-0.240.270.290.241.53----

Source: XBRL data SB Financial Group Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SBFG peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SBFG$69.86M+8.2%$16.66M23.8%$176.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

SBFG FAQ

8 questions
  • What is SBFG revenue?
    SB Financial Group Inc. (SBFG) reported $69.86M of revenue for the twelve months ended Sep 30, 2026. That is up 8.2% from the year before. Revenue for fiscal 2025 was $65.56M.
  • Is SBFG profitable?
    Yes. SB Financial Group Inc. earned $16.66M in net income for the twelve months ended Sep 30, 2026, a net margin of 23.8%.
  • How much cash and debt does SBFG have?
    SB Financial Group Inc. reported $102.43M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is SBFG revenue growing?
    SB Financial Group Inc.'s revenue changed +15.1% in fiscal 2025, to $65.56M. Its compound annual growth rate was -0.3% over 5 years and +5.3% over 10 years.
  • What is SBFG free cash flow?
    SB Financial Group Inc. generated $19.30M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $20.84M less capital expenditures.
  • What is SBFG earnings per share?
    Diluted earnings per share were $2.66 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SBFG last report financial results?
    The latest statements here come from SB Financial Group Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this SBFG financial data come from?
    Quantisnow builds these statements from the structured XBRL data SB Financial Group Inc. files with the SEC. It is provided for information only and is not investment advice.