SBFG
SB Financial Group, Inc.23.52
-0.22-0.93%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Key Stats
Market Cap
148.14MP/E (TTM)
11.15Basic EPS (TTM)
2.11Dividend Yield
0.02%Recent Filings
8-K
Board director transition
SB Financial Group replaced retiring director Rita A. Kissner, after 21 years, with Sue A. Strausbaugh effective December 17, 2025. Strausbaugh, a local entrepreneur and 13-year Defiance Advisory Board veteran, fills the vacancy until the 2026 shareholder meeting. Smooth transition. No committee assignments yet; Kissner named Director Emeritus.
10-Q
Q3 FY2025 results
SB Financial Group posted Q3 net income of $4.0M, up 72% y/y, with diluted EPS $0.64 versus $0.35 as net interest income climbed 21% to $12.3M on stronger loan yields while noninterest income edged up to $4.2M behind mortgage gains. Loans grew 6% YTD to $1.11B, deposits 10% to $1.26B, fueled by the Jan 2025 Marblehead acquisition for $5.0M cash that added $3.9M goodwill and $1.7M core deposit intangibles (10-year life). Cash swelled to $85M, operating cash flow hit $15.8M YTD; FCF not disclosed in the 10-Q. Debt steady at $65M ($35M FHLB advances/3.75-4.61%, $20M subordinated/3.65%). Share repurchases accelerated. Nonaccruals improved to 0.42% of loans, yet commercial real estate weighs on asset quality.
8-K
Q3 earnings beat expectations
SB Financial Group reported Q3 2025 net income of $4 million, with diluted EPS of $0.64, surging 83% year-over-year amid robust loan and deposit growth. Net interest income climbed 21% to $12.3 million, fueled by 7.8% loan expansion to $80.6 million and 9% deposit rise including $51 million from the completed Marblehead integration, bolstering market entry. Yet asset quality shines. Nonperforming assets dipped to $4.9 million.
8-K
Q3 net income surges 72%
SB Financial Group reported Q3 2025 net income of $4.0 million, up 71.9% from $2.4 million last year, with diluted EPS rising to $0.64 from $0.35. Net interest income climbed 21.1% to $12.3 million, fueled by $80.6 million in loan growth and $103 million in deposits, though adjusted for the Marblehead acquisition, organic gains were $62.7 million and $52.1 million. Strong asset quality persists. Profitability endures.
8-K
Dividend hiked 7% quarterly
SB Financial Group declared a quarterly cash dividend of $0.155 per common share on October 17, 2025, payable November 28 to shareholders of record on November 14. This marks a 7% increase from the prior year's $0.145, delivering $0.60 over the last four quarters versus $0.56 previously, for a 3.1% yield. The board's move signals steady capital return amid banking sector pressures. Yet risks like interest rate fluctuations loom.
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