SB Financial Group, Inc. (SBFG)

Nasdaq: SBFG · State Commercial Banks · Defiance, OH · filing with the SEC since 1995

Grade6.0

◀ Past 7.0● Present 5.6▶ Future 4.9

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 6, 2026	Mar 7, 2025	Mar 8, 2024	Mar 7, 2023	Mar 7, 2022	Mar 8, 2021	Mar 6, 2020	Mar 8, 2019	Mar 9, 2018	Mar 10, 2017
For lenders
Interest and dividend income	73,920	64,349	58,152	44,569	41,904	42,635	44,400	39,479	32,480	29,051
Interest and investment income	3,840	1,974	847	624	·	·	·	·	·	·
Interest expense on deposits and borrowings	25,467	24,427	18,879	·	·	·	·	·	·	·
Net interest income	48,453	39,922	39,273	39,399	·	36,429	36,307^r	33,267	28,386	25,853
Provision for credit losses	1,306	124	315	·	1,050	4,500	800	466^r	400	750
Net interest income after provision	47,147	39,798	38,958	39,399	36,834	31,430	34,026	32,667	27,986	25,103
Noninterest income	17,107	17,017	17,721	18,231	30,697	30,096	18,016	16,624	17,217	17,889
Noninterest expense	46,999	42,959	41,962	42,314	44,808	43,087	37,410	34,847	31,578	30,091
Interest expense	·	·	18,879	5,170	4,020	6,705	9,574	6,212	4,094	3,198
Income before income taxes	17,255	13,856	14,717	15,316	22,723	18,439	14,632	14,444	13,625	12,901
Income tax expense	3,281	2,386	2,622	2,795	4,446	3,495	2,659	2,806	2,560	4,117
Income from continuing operations	·	·	·	12,521	18,277	14,944	·	·	·	·
Net income including non-controlling interests	·	·	·	12,521	18,277	14,944	11,973	·	·	·
Net income	13,974	11,470	12,095	12,521	18,277	14,944	11,973	11,638	11,065	8,784
Preferred dividends	·	·	·	·	·	·	·	·	·	975
Net income to common shareholders	13,948	11,436	12,066	12,494	·	14,944	11,023	10,663	10,090	7,809
Earnings per share, basic	2.19	1.72	1.77	1.79	2.58	1.96	1.71	1.72	2.10	1.60
Earnings per share, diluted	2.19	1.72	1.75	1.77	2.56	1.96	1.51	1.51	1.74	1.38
Earnings per share, basic and diluted	·	·	·	·	·	1.90	1.56	·	·	·
Weighted average shares, basic	6,369,000	6,660,000	6,829,000	7,005,000^r	7,130,000^r	7,613,000	6,456,000^r	6,198^r	4,817,000^r	4,877
Weighted average shares, diluted	6,388,000	6,680,000	6,917,000	7,078,000	7,130,000	7,635,000	7,935,000^r	7,719,000^rb	6,351,000^r	6,376,000^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earned

us-gaap:InterestIncomeOperating
us-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earnedus-gaap:InterestIncomeOther

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Income from continuing operations profit from the businesses it keepsus-gaap:IncomeLossFromContinuingOperations

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton SBFG · research, not advice