SB Financial Group, Inc. (SBFG)

SB Financial Group Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	12	11.47	12.1	12.52	18.28	14.94
Depreciation & Amortization	3.81	3.55	3.57	4.01	6.22	6.75
Gain (Loss) on Sale of Investments	0.46	0.49	-0.93	0.9	1.24	0.64
Total Asset Writedown	0.01	-0.04	0.05	-1.28	-3.44	3.59
Provision for Credit Losses	1.11	0.12	0.32	-	1.05	4.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.27	-1.79	1.89	8.32	12.44	20.64
Accrued Interest Receivable	-0.48	-0.25	-0.57	-1.17	0.88	-0.69
Change in Other Net Operating Assets	1.16	-2.66	3.88	-2.01	2.01	-5.21
Other Operating Activities	2.02	2.02	1.88	2.71	2.3	-2.44
Operating Cash Flow	12.66	9.45	13.99	25.57	17.26	23.91
Operating Cash Flow Growth	-14.37%	-32.44%	-45.29%	48.17%	-27.82%	26.97%
Capital Expenditures	-2.12	-1.23	-0.96	-1.9	-2.43	-1.98
Sale of Property, Plant and Equipment	-	-	-	-	-	0.3
Cash Acquisitions	-3.01	-	-	-	-1.1	16.26
Investment in Securities	50.41	17.09	22.04	-14.23	-117.04	-40.06
Net Decrease (Increase) in Loans Originated / Sold - Investing	-71.3	-46.77	-38.74	-139.67	48.5	-31.71
Other Investing Activities	0.58	1.97	0.26	-9.88	0.08	-0.04
Investing Cash Flow	-25.45	-28.95	-17.39	-165.67	-71.99	-57.22
Short-Term Debt Issued	-	-	-	-	-	7.24
Long-Term Debt Issued	-	133	810.5	232	-	-
Total Debt Issued	8.26	133	810.5	232	-	7.24
Short-Term Debt Repaid	-	-2.8	-1.54	-0.4	-4.87	-
Long-Term Debt Repaid	-	-181.6	-786.9	-177.5	-2.5	-8
Total Debt Repaid	-8.8	-184.4	-788.44	-177.9	-7.37	-8
Net Debt Issued (Repaid)	-0.54	-51.4	22.06	54.1	-7.37	-0.76
Issuance of Common Stock	-	-	-	-	-	0.19
Repurchase of Common Stock	-6.9	-4.77	-3.47	-5.9	-9.52	-7.17
Common Dividends Paid	-3.83	-3.77	-3.58	-3.42	-3.14	-3.07
Total Dividends Paid	-3.83	-3.77	-3.58	-3.42	-3.14	-3.07
Net Increase (Decrease) in Deposit Accounts	81.55	82.4	-16.46	-26.38	64.03	157.74
Other Financing Activities	-	-	-	-	19.55	-
Financing Cash Flow	70.28	22.46	-1.45	18.41	63.55	146.94
Net Cash Flow	57.48	2.96	-4.85	-121.69	8.82	113.63
Free Cash Flow	10.53	8.22	13.03	23.67	14.83	21.93
Free Cash Flow Growth	-23.52%	-36.90%	-44.95%	59.63%	-32.37%	30.63%
Free Cash Flow Margin	17.20%	14.48%	22.97%	42.01%	23.14%	33.68%
Free Cash Flow Per Share	1.60	1.23	1.88	3.35	1.98	2.73
Cash Interest Paid	25.24	24.52	17.21	4.7	4.34	7.28
Cash Income Tax Paid	0.42	0.42	-	-	4.23	5.18

Updated May 8, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q