SB Financial Group, Inc. (SBFG)
NASDAQ: SBFG · Real-Time Price · USD
26.28
-0.32 (-1.20%)
Jul 31, 2026, 4:00 PM EDT - 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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 16.11 | 13.97 | 11.47 | 12.1 | 12.52 | 18.28 |
Depreciation & Amortization | 2.43 | 2.44 | 2.22 | 2.33 | 2.27 | 2.33 |
Provision for Credit Losses | 1.13 | 1.31 | 0.12 | 0.32 | - | 1.05 |
Stock-Based Compensation | 0.53 | 0.54 | 0.64 | 0.58 | 0.57 | 0.44 |
Net Change in Loans Held-for-Sale | -5.55 | 2.55 | -6.5 | -2.15 | 3.46 | -4.98 |
Other Adjustments | 2.14 | 2.4 | 3.8 | 2.24 | 4.08 | 3.99 |
Changes in Accrued Interest and Accounts Receivable | -0.43 | -0.58 | -0.25 | -0.57 | -1.17 | 0.88 |
Changes in Accounts Payable | -2.64 | -3.6 | 0.61 | -4.72 | 5.87 | -6.74 |
Changes in Other Operating Activities | 0.56 | 5.02 | -2.66 | 3.88 | -2.01 | 2.01 |
Operating Cash Flow | 14.34 | 24.04 | 9.45 | 13.99 | 25.57 | 17.26 |
Operating Cash Flow Growth | -9.50% | 154.35% | -32.44% | -45.29% | 48.17% | -27.82% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Loans Held-for-Investment | -94.06 | -115.65 | -46.77 | -38.74 | -139.67 | 48.5 |
Net Change in Securities and Investments | 2.41 | 53.09 | 18.34 | 21.49 | -25.75 | -117.09 |
Cash Acquisitions | - | -3.01 | - | - | - | -1.1 |
Capital Expenditures | -1.91 | -2.6 | -1.23 | -0.96 | -1.9 | -2.43 |
Sale of Property, Plant & Equipment | 0.05 | 0.09 | 0.71 | 0.82 | 1.65 | 0.13 |
Investing Cash Flow | -75.14 | -68.09 | -28.95 | -17.39 | -165.67 | -71.99 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Deposits | 100.6 | 101.55 | 82.4 | -16.46 | -26.38 | 64.03 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -1.63 | -1.36 | -2.8 | -1.54 | -0.4 | -4.87 |
Long-Term Debt Issued | - | - | 133 | 810.5 | 232 | - |
Long-Term Debt Repaid | -7.5 | -1 | -181.6 | -786.9 | -177.5 | -2.5 |
Net Long-Term Debt Issued (Repaid) | -7.5 | -1 | -48.6 | 23.6 | 54.5 | -2.5 |
Repurchase of Common Stock | -5.65 | -5.69 | -4.77 | -3.47 | -5.9 | -9.52 |
Net Common Stock Issued (Repurchased) | -5.65 | -5.69 | -4.77 | -3.47 | -5.9 | -9.52 |
Common Dividends Paid | -3.88 | -3.85 | -3.77 | -3.58 | -3.42 | -3.14 |
Financing Cash Flow | 81.95 | 89.66 | 22.46 | -1.45 | 18.41 | 63.55 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 21.15 | 45.62 | 2.96 | -4.85 | -121.69 | 8.82 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 12.43 | 21.44 | 8.22 | 13.03 | 23.67 | 14.83 |
Free Cash Flow Growth | -10.26% | 160.73% | -36.90% | -44.95% | 59.63% | -32.37% |
FCF Margin | 18.70% | 33.36% | 14.47% | 22.99% | 41.08% | 21.96% |
Free Cash Flow Per Share | 1.97 | 3.36 | 1.23 | 1.88 | 3.34 | 2.08 |