SB Financial Group, Inc. (SBFG)

SB Financial Group Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	70.62	65.44	57.36	51.89	38.57	38.17
Interest Income on Investments	8.3	8.48	6.99	6.26	6	3.74
Total Interest Income	78.93	73.92	64.35	58.15	44.57	41.9
Interest Paid on Deposits	24.38	22.49	21.04	14.71	3.48	3.13
Interest Paid on Borrowings	2.74	2.98	3.39	4.17	1.69	0.89
Total Interest Expense	27.12	25.47	24.43	18.88	5.17	4.02
Net Interest Income	51.8	48.45	39.92	39.27	39.4	37.88
Net Interest Income Growth	11.07%	21.37%	1.65%	-0.32%	4.00%	5.44%
Trust Income	3.75	3.54	3.51	3.53	3.73	3.81
Gain (Loss) on Sale of Assets	-0.03	-	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	-	1.45	-	-
Other Non-Interest Income	8.78	8.7	8.76	8.75	8.36	6.03
Total Non-Interest Income	17.82	17.4	16.98	17.77	16.95	27.26
Non-Interest Income Growth	0.10%	2.47%	-4.47%	4.83%	-37.82%	-19.06%
Revenues Before Loan Losses	69.62	65.85	56.9	57.04	56.35	65.15
Provision for Loan Losses	0.84	1.31	0.12	0.32	-	1.05
Revenue	68.78	64.54	56.77	56.73	56.35	64.1
Revenue Growth	8.48%	13.68%	0.08%	0.67%	-12.08%	-1.56%
Salaries and Employee Benefits	26.68	25.3	23.7	22.73	24.19	26.56
Occupancy Expenses	3.04	3.01	2.68	2.91	2.8	2.86
Selling, General & Administrative	14.64	14.51	12.97	12.34	11.91	11.8
Other Non-Interest Expense	4.1	4.18	3.61	3.98	3.42	3.59
Total Non-Interest Expense	48.46	47	42.96	41.96	42.31	44.81
EBT Excluding Unusual Items	20.32	17.54	13.82	14.77	14.04	19.29
Asset Writedown	0.24	-0.29	0.04	-0.05	1.28	3.44
Pretax Income	20.56	17.26	13.86	14.72	15.32	22.72
Income Tax Expense	3.9	3.28	2.39	2.62	2.8	4.45
Net Income	16.66	13.97	11.47	12.1	12.52	18.28
Preferred Dividends & Other Adjustments	0.03	0.03	0.03	0.03	0.03	0.02
Net Income to Common	16.63	13.95	11.44	12.07	12.49	18.26
Net Income Growth	21.60%	21.97%	-5.22%	-3.43%	-31.56%	22.29%
Basic Shares Outstanding	6	6	7	7	7	7
Diluted Shares Outstanding	6	6	7	7	7	7
Shares Change	-3.57%	-4.37%	-3.43%	-2.27%	-5.46%	-6.61%
EPS (Basic)	2.67	2.19	1.72	1.77	1.78	2.45
EPS (Diluted)	2.67	2.19	1.72	1.75	1.77	2.44
EPS Growth	26.07%	27.54%	-1.88%	-1.13%	-27.40%	30.61%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.625	0.600	0.560	0.520	0.480	0.419
Dividend Growth	5.93%	7.14%	7.69%	8.33%	14.56%	9.97%
Effective Tax Rate	18.98%	19.02%	17.22%	17.82%	18.25%	19.57%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 7, 2026

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