SB Financial Group, Inc. (SBFG)
NASDAQ: SBFG · Real-Time Price · USD
28.25
-0.18 (-0.63%)
Nov 9, 2026, 4:00 PM EST - Market closed
SB Financial Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 13.97 | 11.47 | 12.1 | 12.52 | 18.28 |
Depreciation & Amortization | 4.22 | 3.55 | 3.57 | 4.01 | 6.22 |
Gain (Loss) on Sale of Investments | 0.43 | 0.49 | -0.93 | 0.9 | 1.24 |
Total Asset Writedown | 0.29 | -0.04 | 0.05 | -1.28 | -3.44 |
Provision for Credit Losses | 1.31 | 0.12 | 0.32 | - | 1.05 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 7.7 | -1.79 | 1.89 | 8.32 | 12.44 |
Accrued Interest Receivable | -0.58 | -0.25 | -0.57 | -1.17 | 0.88 |
Change in Other Net Operating Assets | 5.02 | -2.66 | 3.88 | -2.01 | 2.01 |
Other Operating Activities | -0.11 | 2.02 | 1.88 | 2.71 | 2.3 |
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% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -2.6 | -1.23 | -0.96 | -1.9 | -2.43 |
Cash Acquisitions | -3.01 | - | - | - | -1.1 |
Investment in Securities | 54.16 | 17.09 | 22.04 | -14.23 | -117.04 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -115.65 | -46.77 | -38.74 | -139.67 | 48.5 |
Other Investing Activities | -0.98 | 1.97 | 0.26 | -9.88 | 0.08 |
Investing Cash Flow | -68.09 | -28.95 | -17.39 | -165.67 | -71.99 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 133 | 810.5 | 232 | - |
Total Debt Issued | - | 133 | 810.5 | 232 | - |
Short-Term Debt Repaid | -1.36 | -2.8 | -1.54 | -0.4 | -4.87 |
Long-Term Debt Repaid | -1 | -181.6 | -786.9 | -177.5 | -2.5 |
Total Debt Repaid | -2.36 | -184.4 | -788.44 | -177.9 | -7.37 |
Net Debt Issued (Repaid) | -2.36 | -51.4 | 22.06 | 54.1 | -7.37 |
Repurchase of Common Stock | -5.69 | -4.77 | -3.47 | -5.9 | -9.52 |
Common Dividends Paid | -3.85 | -3.77 | -3.58 | -3.42 | -3.14 |
Total Dividends Paid | -3.85 | -3.77 | -3.58 | -3.42 | -3.14 |
Net Increase (Decrease) in Deposit Accounts | 101.55 | 82.4 | -16.46 | -26.38 | 64.03 |
Other Financing Activities | - | - | - | - | 19.55 |
Financing Cash Flow | 89.66 | 22.46 | -1.45 | 18.41 | 63.55 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 45.62 | 2.96 | -4.85 | -121.69 | 8.82 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
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 Margin | 33.21% | 14.48% | 22.97% | 42.01% | 23.14% |
Free Cash Flow Per Share | 3.36 | 1.23 | 1.88 | 3.35 | 1.98 |