SB FINANCIAL GROUP (SBFG) Company Report

GAAP net income for the third quarter ended September 30, 2025, was $4.0 million, or $0.64 per diluted share (DEPS), an increase from $2.4 million, or $0.35 per DEPS, in the prior-year quarter.
Net interest income for Q3 2025 increased by 21.1 percent to $12.3 million from $10.2 million reported in the prior-year quarter.
The company achieved loan growth of $80.6 million, or 7.8 percent, from the prior-year quarter, with total loans reaching $1.11 billion as of September 30, 2025.
Total deposits increased by $103.0 million, or 8.9 percent, from the prior-year quarter, reaching $1.26 billion as of September 30, 2025.
Tangible book value per share ended the quarter at $17.21, up $0.72 per share or 4.4 percent from the prior-year quarter.

Nov 4, 2025, 9:34 PM

SB Financial Group, Inc. Reports Strong Q3 2025 Earnings and Provides Outlook

SBFG

Earnings

Share Buyback

Guidance Update

SB Financial Group, Inc. (SBFG) reported Q3 2025 adjusted diluted earnings per share of $0.68, exceeding the consensus estimate of $0.62, and net interest income of $12.3 million, marking a 21% increase from the prior year quarter.
The company achieved loan growth of 7.8% over the prior year, totaling approximately $80.6 million, and deposits grew by 9% or nearly $103 million, which included $51 million from the Marblehead integration.
Asset quality remained robust in Q3 2025, with charge-offs falling to 0 basis points and nonperforming assets totaling $4.9 million; the allowance for credit losses stood at 1.44% of total loans, providing 345% coverage of nonperforming assets.
SBFG repurchased 101,000 shares at an average price of just under $20 during Q3 2025, contributing to a 4.4% increase in tangible book value per share to $17.21.
Management projects Q4 2025 loan growth of $15 million to $20 million and $80 million to $100 million for FY 2026, with total operating expenses for Q4 2025 expected around $11.5 million.

Nov 4, 2025, 9:04 PM

SBFG Reports Strong Q3 2025 Financial Results and Strategic Expansion

SBFG

Earnings

M&A

Guidance Update

SBFG reported net income of $4 million and diluted earnings per share of $0.64 for the third quarter of 2025, representing an 83% increase compared to the prior year quarter. Net interest income totaled $12.3 million, an increase of over 21% from Q3 2024.
The company achieved loan growth of $80.6 million (7.8%) and deposit growth of $103 million (9%) over the prior year quarter, which includes $51 million in deposits from the successfully integrated Marblehead clients.
Tangible book value per share ended the quarter at $17.21, up 4.4% from the prior year. SBFG announced a dividend of $0.155 per share and repurchased 101,000 shares at an average price just under $20 during the quarter.
SBFG is expanding into the new adjacent market of Napoleon, Ohio, and Henry County, targeting $800 million in deposits. The company expects another high single-digit level of loan growth and 4% to 5% deposit growth in 2026.

Oct 31, 2025, 3:00 PM

SBFG Reports Strong Q3 2025 Earnings, Loan and Deposit Growth, and Strategic Expansion

SBFG

Earnings

M&A

Dividends

SB Financial Group reported net income of $4 million and diluted earnings per share of $0.64 for Q3 2025, representing an 83% increase compared to the prior year quarter. Total operating revenue rose 15.9% to $16.6 million, driven by a 21% increase in net interest income to $12.3 million.
The company achieved 7.8% loan growth and 9% deposit growth over the prior year quarter, with 4.5% organic deposit growth when excluding the Marblehead acquisition. Operating expenses decreased 3% from the linked quarter, contributing to an operating leverage of 3.5 times for the quarter.
The integration of Marblehead clients was successfully completed in Q3 2025, and SBFG is expanding into the new market of Napoleon, Ohio, aiming to aggressively pursue $800 million in deposits in that area.
SBFG announced a dividend of $0.155 per share, marking its 13th consecutive year of increasing annual dividend payout. The company anticipates high single-digit loan growth for 2026 and expects its net interest margin to peak at 3.48% this quarter.

Oct 31, 2025, 3:00 PM

SBFG Reports Strong Q3 2025 Earnings and Strategic Progress

SBFG

Earnings

M&A

Share Buyback

SB Financial Group reported net income of $4 million and diluted earnings per share of $0.64 for Q3 2025, marking an 83% increase compared to the prior year quarter.
Net interest income rose 21% to $12.3 million from Q3 2024, driving a 15.9% increase in total operating revenue to $16.6 million.
The company achieved loan growth of 7.8% and deposit growth of 9% over the prior year, with the Marblehead acquisition successfully integrated and contributing $51 million in deposits.
Tangible book value per share increased to $17.21, and the company repurchased 101,000 shares at an average price of just under $20 during the quarter.
Operating expenses decreased 3% from the linked quarter, with Q4 2025 expenses projected at approximately $11.5 million and a 3% to 4% growth pace anticipated for 2026.

Oct 31, 2025, 3:00 PM

SB Financial Group Reports Strong Third Quarter 2025 Financial Performance

SBFG

Earnings

M&A

SB Financial Group reported GAAP net income of $4.0 million and Diluted Earnings per Share (DEPS) of $0.64 for the third quarter ended September 30, 2025, marking increases of 71.9% and 82.9% respectively, compared to the prior-year quarter.
Net interest income for the third quarter of 2025 increased by 21.1% to $12.3 million from $10.2 million in the prior-year quarter.
The company achieved loan growth of $80.6 million (7.8%) and deposit growth of $103 million (8.9%) from the prior-year quarter, with the Marblehead acquisition contributing to these figures.
Asset quality showed improvement, with nonperforming assets totaling $4.9 million, representing 0.32% of total assets as of September 30, 2025, a decrease of $665,000 from the prior year.

Oct 30, 2025, 8:15 PM

SBFG Declares Quarterly Cash Dividend

SBFG

Dividends

SB Financial Group, Inc. (SBFG) announced a quarterly cash dividend of $0.155 per common share.
The dividend is payable on November 28, 2025, to shareholders of record as of November 14, 2025.
This dividend represents a 7 percent increase over the prior year's dividend of $0.145 per share.
The collective dividend for the last four quarters totals $0.60 per share, which is a 7 percent increase over the previous four quarters' $0.56 per share, and represents a 3.1% yield.