SB FINANCIAL GROUP, INC.SBFGEarnings & Financial Report
SB Financial Group, Inc. is a U.S.-headquartered financial holding company that provides a full suite of personal and commercial banking products and services, including deposit accounts, mortgage and consumer loans, small business financing, and wealth management solutions. It primarily serves retail customers and small to medium-sized enterprises across regional markets in the United States.
SBFG Q4 FY2025 Key Financial Metrics
Revenue
$16.4M
Gross Profit
N/A
Operating Profit
$5.0M
Net Profit
$3.9M
Gross Margin
N/A
Operating Margin
30.3%
Net Margin
23.9%
YoY Growth
6.3%
EPS
$0.62
SB FINANCIAL GROUP, INC. Q4 FY2025 Financial Summary
SB FINANCIAL GROUP, INC. reported revenue of $16.4M (up 6.3% YoY) for Q4 FY2025, with a net profit of $3.9M (up 7.8% YoY) (23.9% margin).
Key Financial Metrics
| Total Revenue | $16.4M |
|---|---|
| Net Profit | $3.9M |
| Gross Margin | N/A |
| Operating Margin | 30.3% |
| Report Period | Q4 FY2025 |
SB FINANCIAL GROUP, INC. Annual Revenue by Year
SB FINANCIAL GROUP, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $65.6M).
SB FINANCIAL GROUP, INC. Quarterly Revenue & Net Profit History
SB FINANCIAL GROUP, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $16.4M | +6.3% | $3.9M | 23.9% |
| Q3 FY2025 | $16.6M | +15.9% | $4.0M | 24.4% |
| Q2 FY2025 | $17.2M | +22.3% | $3.9M | 22.4% |
| Q1 FY2025 | $15.4M | +17.2% | $2.2M | 14.0% |
| Q4 FY2024 | $15.5M | — | $3.6M | 23.5% |
| Q3 FY2024 | $14.3M | +4.5% | $2.4M | 16.5% |
| Q2 FY2024 | $14.0M | -1.0% | $3.1M | 22.2% |
| Q1 FY2024 | $13.1M | -33.6% | $2.4M | 18.0% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.1M | $14.0M | $14.3M | $15.5M | $15.4M | $17.2M | $16.6M | $16.4M |
| YoY Growth | -33.6% | -1.0% | 4.5% | N/A | 17.2% | 22.3% | 15.9% | 6.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | N/A | N/A | $1.39B | $1.38B | $1.50B | $1.49B | $1.50B | $1.55B |
| Liabilities | N/A | N/A | $1.26B | $1.25B | $1.37B | $1.35B | $1.36B | $1.40B |
| Equity | $123.7M | $125.5M | $132.8M | $127.5M | $131.5M | $133.6M | $136.9M | $141.2M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $308000 | $-434000 | $3.6M | $9.5M | $6.7M | $-3.6M | $12.7M | $24.0M |