SB Financial Group Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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 Interest Income	49.89	48.45	39.92	39.27	39.4	37.88
Net Interest Income Growth	18.72%	21.37%	1.65%	-0.32%	4.00%	5.44%
Non-Interest Income	17.71	17.11	17.02	17.72	18.23	30.7
Non-Interest Income Growth	3.14%	0.53%	-3.97%	-2.80%	-40.61%	2.00%
Revenues Before Loan Losses	67.6	65.56	56.94	56.99	57.63	68.58
Provision for Credit Losses	1.13	1.31	0.12	0.32	-	1.05
Revenue	66.47	64.25	56.82	56.68	57.63	67.53
Revenue Growth	13.26%	13.09%	0.24%	-1.65%	-14.66%	9.76%
Compensation Expenses	25.71	25.84	24.34	23.41	24.76	27.5
Selling, General & Admin	17.71	18.07	15.92	15.52	15.22	14.89
Other Non-Interest Expenses	3.1	3.09	2.7	3.03	2.34	2.42
Total Non-Interest Expense	46.52	47	42.96	41.96	42.31	44.81
Pretax Income	19.95	17.26	13.86	14.72	15.32	22.72
Provision for Income Taxes	3.84	3.28	2.39	2.62	2.8	4.45
Net Income	16.11	13.97	11.47	12.1	12.52	18.28
Net Income to Common	16.11	13.97	11.47	12.1	12.52	18.28
Net Income Growth	43.09%	21.83%	-5.17%	-3.40%	-31.49%	22.30%
Shares Outstanding (Basic)	6	6	7	7	7	7
Shares Outstanding (Diluted)	6	6	7	7	7	7
Shares Change	-4.52%	-4.37%	-3.43%	-2.27%	-0.73%	-6.61%
EPS (Basic)	2.56	2.19	1.72	1.77	1.79	2.58
EPS (Diluted)	2.56	2.19	1.72	1.75	1.77	2.56
EPS Growth	50.59%	27.33%	-1.71%	-1.13%	-30.86%	30.61%

Additional Metrics

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%
Free Cash Flow Per Share	1.97	3.36	1.23	1.88	3.34	2.08
Dividends Per Share	0.610	0.600	0.560	0.520	0.480	0.419
Dividend Growth	7.02%	7.14%	7.69%	8.33%	14.56%	9.97%
Profit Margin	24.24%	21.75%	20.19%	21.34%	21.73%	27.06%
FCF Margin	18.70%	33.36%	14.47%	22.99%	41.08%	21.96%
Effective Tax Rate	19.23%	19.01%	17.22%	17.82%	18.25%	19.57%

SEC Filings: 10-K · 10-Q