SB Financial Group (SBFG) Financial Statements & Analysis

SB Financial Group (SBFG) Income Statement

SB Financial Group reported revenue of $64.54M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 13.4% from $56.94M a year earlier. Net income was $13.97M, up 21.8% year over year, a net margin of 21.7%. Gross margin was 99.6% and operating margin 26.7%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $17.95M, down 22.1% from the same quarter a year earlier.

SB Financial Group Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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SB Financial Group, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	64.54	56.94	75.87	57.63	68.58	72.73	62.42	56.10	49.70
Cost of Revenue	26.77	24.55	19.19	5.17	5.07	11.21	10.37	6.81	4.49
Gross Profit	64.25	56.82	56.68	57.63	67.53	61.53	52.04	49.29	45.20
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	18.07	25.16	24.19	25.67	28.29	26.59	23.75	22.42	20.18
Operating Expenses	47.00	42.96	41.96	42.31	44.81	43.09	37.41	34.85	31.58
Operating Income	17.26	13.86	14.72	15.32	22.72	18.44	14.63	14.44	13.63
Other Income/Expense
Interest Income	73.92	64.35	58.15	44.57	41.90	42.64	44.40	39.48	32.48
Interest Expense	25.47	24.43	18.88	5.17	4.02	6.71	9.57	6.21	4.09
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	17.26	13.86	14.72	15.32	22.72	18.44	14.63	14.44	13.63
Income Tax Expense	3.28	2.39	2.62	2.80	4.45	3.50	2.66	2.81	2.56
Net Income	13.97	11.47	12.10	12.52	18.28	14.94	11.97	11.64	11.07
Net Income - Continuous Operations	13.97	11.47	12.10	12.52	18.28	14.94	11.97	11.64	11.07
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	2.44	2.22	18.28	19.33	28.94	25.18	18.65	17.38	16.33
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.20	3.55	3.57	4.01	6.22	6.75	4.01	2.93	2.71
Earnings Per Share
Basic EPS	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00
Diluted EPS	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	2.00
Basic Shares Outstanding	6.37	6.66	6.83	7.01	7.44	7.99	6.78	6.51	5.06
Diluted Shares Outstanding	6.39	6.68	6.92	7.08	7.49	8.02	8.33	8.10	6.67

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About SB Financial Group Financial Statements

What was SB Financial Group's revenue in fiscal 2025?

SB Financial Group reported revenue of $64.54M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 13.4% from $56.94M a year earlier.

Is SB Financial Group profitable?

Yes. SB Financial Group earned net income of $13.97M in fiscal 2025, a net margin of 21.7%. In fiscal 2024 it earned $11.47M.

What is SB Financial Group's operating margin?

SB Financial Group's operating income was $17.25M on revenue of $64.54M in fiscal 2025, an operating margin of 26.7%, compared with 24.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition