$21.02
-0.50%SB Financial Group, Inc. provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. As of December 31, 2021, the company operated a network of 22 banking centers in the Ohio counties of Allen, Defiance, Franklin, Fulton, Hancock, Lucas, Paulding, Wood, and Williams; and one banking center in Allen County, Indiana. It also operated five loan production offices in Franklin and Lucas Counties, Ohio; Hamilton and Steuben Counties, Indiana; and Monroe County, Michigan. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was incorporated in 1983 and is headquartered in Defiance, Ohio.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Strong net margins indicate efficient operations and favorable tax/interest management.
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
SBFG โข NASDAQ
| SB Financial Group, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
91M | 81.4M | 75.9M | 62.8M | 72.6M | 72.7M | 62.4M | 56.1M | 49.7M | 46.9M | 41.6M | 37.2M | 38.9M | 41M | 41.4M | 50.4M | 61.9M | 60.6M | 59.9M | 54.7M | |
GROSS PROFIT | ||||||||||||||||||||
(26.8M) | (24.6M) | (19.2M) | (5.2M) | (5.1M) | (11.2M) | (10.4M) | (6.8M) | (4.5M) | (3.9M) | (3.7M) | (3.9M) | (4.9M) | (6.7M) | (8.8M) | (20.2M) | (17.3M) | (15.8M) | (18.7M) | (16.1M) | |
64.3M | 56.8M | 56.7M | 57.6M | 67.5M | 61.5M | 52M | 49.3M | 45.2M | 43M | 38M | 33.3M | 34M | 34.2M | 32.6M | 30.2M | 44.6M | 44.8M | 41.1M | 38.6M | |
OPERATING INCOME | ||||||||||||||||||||
(47M) | (43M) | (42M) | (42.3M) | (44.8M) | (43.1M) | (37.4M) | (34.8M) | (31.6M) | (30.1M) | (26.9M) | (26M) | (26.5M) | (27.5M) | (30.3M) | (52.3M) | (44.8M) | (37.4M) | (36.6M) | (34.9M) | |
(26.5M) | (25.2M) | (24.2M) | (25.7M) | (28.3M) | (26.6M) | (23.8M) | (22.4M) | (20.2M) | (18.6M) | (16.1M) | (14.2M) | (14.5M) | (16.2M) | (16.4M) | (23.8M) | (29.9M) | (25.2M) | (18.9M) | (18.2M) | |
17.3M | 13.9M | 14.7M | 15.3M | 22.7M | 18.4M | 14.6M | 14.4M | 13.6M | 12.9M | 11M | 7.3M | 7.4M | 6.7M | 2.3M | -22.1M | -277.9K | 7.3M | 4.5M | 3.7M | |
PRE-TAX INCOME | ||||||||||||||||||||
(25.5M) | (24.4M) | (18.9M) | (5.2M) | (4M) | (6.7M) | (9.6M) | (6.2M) | (4.1M) | (3.2M) | (2.6M) | (3.5M) | (4M) | (5.4M) | (6.8M) | (9.6M) | (11.6M) | (15.1M) | (18.2M) | (15.9M) | |
48.5M | 39.9M | 39.3M | 39.4M | 37.9M | 35.9M | 34.8M | 33.3M | 28.4M | 25.9M | 23.3M | 20.9M | 20.8M | 20.7M | 20.7M | 20M | 21M | 17.5M | 14.8M | 15M | |
(20.5M) | (17.8M) | (17.8M) | (16.6M) | (16.5M) | (16.5M) | (13.7M) | (12.4M) | (11.4M) | (11.5M) | (10.9M) | (11.7M) | (12M) | (11.3M) | (13.9M) | (28.5M) | (14.9M) | (12.2M) | (17.7M) | (16.7M) | |
17.3M | 13.9M | 14.7M | 15.3M | 22.7M | 18.4M | 14.6M | 14.4M | 13.6M | 12.9M | 11M | 7.3M | 7.4M | 6.7M | 2.3M | -22.1M | -277.9K | 7.3M | 4.5M | 3.7M | |
NET INCOME | ||||||||||||||||||||
(3.3M) | (2.4M) | (2.6M) | (2.8M) | (4.4M) | (3.5M) | (2.7M) | (2.8M) | (2.6M) | (4.1M) | (3.4M) | (2.1M) | (2.2M) | (1.9M) | (658K) | -6.5M | -660.4K | (2.1M) | (1.2M) | (948.1K) | |
14M | 11.5M | 12.1M | 12.5M | 18.3M | 14.9M | 12M | 11.6M | 11.1M | 8.8M | 7.6M | 5.3M | 5.2M | 4.8M | 1.7M | -15.6M | 382.5K | 5.2M | 3.3M | 2.8M |
SBFG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 06, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 02, 2026 | January 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 30, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 21, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 22, 2025 | December 17, 2025 | 2025 |
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