SB Financial Group, Inc. (SBFG)

SB Financial Group Cash Flow 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 Income	13.97	11.47	12.1	12.52	18.28
Depreciation & Amortization	2.44	2.22	2.33	2.27	2.33
Provision for Credit Losses	1.31	0.12	0.32	-	1.05
Stock-Based Compensation	0.54	0.64	0.58	0.57	0.44
Net Change in Loans Held-for-Sale	2.55	-6.5	-2.15	3.46	-4.98
Other Adjustments	2.4	3.8	2.24	4.08	3.99
Changes in Accrued Interest and Accounts Receivable	-0.58	-0.25	-0.57	-1.17	0.88
Changes in Accounts Payable	-3.6	0.61	-4.72	5.87	-6.74
Changes in Other Operating Activities	5.02	-2.66	3.88	-2.01	2.01
Operating Cash Flow	24.04	9.45	13.99	25.57	17.26
Operating Cash Flow Growth	154.35%	-32.44%	-45.29%	48.17%	-27.82%
Net Change in Loans Held-for-Investment	-115.65	-46.77	-38.74	-139.67	48.5
Net Change in Securities and Investments	53.09	18.34	21.49	-25.75	-117.09
Payments for Business Acquisitions	-3.01	-	-	-	-1.1
Capital Expenditures	-2.6	-1.23	-0.96	-1.9	-2.43
Sale of Property, Plant & Equipment	0.09	0.71	0.82	1.65	0.13
Investing Cash Flow	-68.09	-28.95	-17.39	-165.67	-71.99
Net Change in Deposits	101.55	82.4	-16.46	-26.38	64.03
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-1.36	-2.8	-1.54	-0.4	-4.87
Long-Term Debt Issued	-	133	810.5	232	-
Long-Term Debt Repaid	-1	-181.6	-786.9	-177.5	-2.5
Net Long-Term Debt Issued (Repaid)	-1	-48.6	23.6	54.5	-2.5
Repurchase of Common Stock	-5.69	-4.77	-3.47	-5.9	-9.52
Net Common Stock Issued (Repurchased)	-5.69	-4.77	-3.47	-5.9	-9.52
Common Dividends Paid	-3.85	-3.77	-3.58	-3.42	-3.14
Financing Cash Flow	89.66	22.46	-1.45	18.41	63.55
Net Cash Flow	45.62	2.96	-4.85	-121.69	8.82
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%
FCF Margin	33.36%	14.47%	22.99%	41.08%	21.96%
Free Cash Flow Per Share	3.36	1.23	1.88	3.34	2.08
Levered Free Cash Flow	13.65	-38.44	35.65	70.07	11.83
Unlevered Free Cash Flow	0.68	-1.31	-0.05	3.05	-3.95

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

SEC Filings: 10-K · 10-Q