SB Financial Group, Inc. (SBFG)

SB Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	48.45	39.92	39.27	39.4	37.88
Net Interest Income Growth	21.37%	1.65%	-0.32%	4.00%	5.44%
Non-Interest Income	17.11	17.02	17.72	18.23	30.7
Non-Interest Income Growth	0.53%	-3.97%	-2.80%	-40.61%	2.00%
Revenues Before Loan Losses	65.56	56.94	56.99	57.63	68.58
Provision for Credit Losses	1.31	0.12	0.32	-	1.05
Revenue	64.25	56.82	56.68	57.63	67.53
Revenue Growth (YoY)	13.09%	0.24%	-1.65%	-14.66%	9.76%
Compensation Expenses	25.84	24.34	23.41	24.76	27.5
Selling, General & Admin	18.07	15.92	15.52	15.22	14.89
Other Non-Interest Expenses	3.09	2.7	3.03	2.34	2.42
Total Non-Interest Expense	47	42.96	41.96	42.31	44.81
Pretax Income	17.26	13.86	14.72	15.32	22.72
Provision for Income Taxes	3.28	2.39	2.62	2.8	4.45
Net Income	13.97	11.47	12.1	12.52	18.28
Net Income to Common	13.97	11.47	12.1	12.52	18.28
Net Income Growth	21.83%	-5.17%	-3.40%	-31.49%	22.30%
Shares Outstanding (Basic)	6	7	7	7	7
Shares Outstanding (Diluted)	6	7	7	7	7
Shares Change (YoY)	-4.37%	-3.43%	-2.27%	-0.73%	-6.61%
EPS (Basic)	2.19	1.72	1.77	1.79	2.58
EPS (Diluted)	2.19	1.72	1.75	1.77	2.56
EPS Growth	27.33%	-1.71%	-1.13%	-30.86%	30.61%
Free Cash Flow	21.44	8.22	13.03	23.67	14.83
Free Cash Flow Growth	160.73%	-36.90%	-44.95%	59.63%	-32.37%
Free Cash Flow Per Share	3.36	1.23	1.88	3.34	2.08
Dividends Per Share	0.600	0.560	0.520	0.480	0.419
Dividend Growth	7.14%	7.69%	8.33%	14.56%	9.97%
Profit Margin	21.75%	20.19%	21.34%	21.73%	27.06%
FCF Margin	33.36%	14.47%	22.99%	41.08%	21.96%
EBITDA	2.44	2.22	2.33	2.27	2.33
EBITDA Margin	3.79%	3.90%	4.10%	3.93%	3.45%
Effective Tax Rate	19.01%	17.22%	17.82%	18.25%	19.57%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q