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SB Financial Group Inc (SBFG)
NASDAQ:SBFG
Earnings Data
Report Date
Jul 28, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.54Last Year’s EPS
0.46Same Quarter Last Year
Based on 0 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 22, 2026
|% Change Since: 0.00%
|Next Earnings Date:Apr 23, 2026
Earnings Call Sentiment|Positive
The earnings call reflected a positive sentiment with significant growth in net income, net interest income, and successful acquisition integration. However, challenges were noted in the mortgage origination segment and increased operating expenses. Overall, the highlights significantly outweighed the lowlights.Company Guidance
During the SB Financial First Quarter 2025 Conference Call, several key financial metrics and strategic initiatives were highlighted. The company reported a net income of $2.7 million, with diluted earnings per share (EPS) of $0.42, marking a 27% increase from the previous year. The tangible book value per share rose by 5.8% to $15.79. Net interest income increased by 23% to $11.3 million, driven by a 9.8% loan growth totaling $97 million, which marked the fourth consecutive quarter of sequential loan growth. Deposits grew over 10%, bolstered by the Marblehead acquisition, adding $56 million in deposits. Mortgage originations were $40 million for the quarter, with expectations for a more vigorous summer volume. Operating expenses rose by 3.5% from the linked quarter, and charge-off levels returned to historical levels at approximately 3 basis points. The company remains focused on five key initiatives, including revenue diversification, broadening its footprint, improving operational excellence, and maintaining asset quality. Non-interest income rose by 3.9% to $4.1 million, supported by gains on the sale of mortgage loans and commercial loan swap revenue. The completion of the Marblehead Bank Corp acquisition added $56 million in low-cost deposits and a $19 million loan book, strengthening SB Financial's market position. The company's focus on digital innovation and operational efficiency continues, with a new digital banking officer appointed to drive growth and enhance client care initiatives. The net interest margin improved to 3.4%, with expectations for further increases throughout 2025. Asset quality remained strong, with non-performing assets representing 41 basis points of total assets, and the allowance for credit losses at 1.41% of total loans.Strong Net Income Growth
Net income was $2.7 million with diluted earnings per share of $0.42, up $0.09 or approximately 27% compared to the prior year quarter.
Increased Net Interest Income
Net interest income totaled $11.3 million, an increase of approximately 23% from $9.2 million in the first quarter of 2024.
Successful Acquisition
The Marblehead Bank Corp acquisition added $56 million in low-cost deposits and $19 million in loans, enhancing market presence in Ottawa County, Ohio.
Tangible Book Value Increase
Tangible book value per share ended the quarter at $15.79, up from $14.93 last year, marking a 5.8% increase.
Commercial Loan Growth
The loan portfolio grew $97 million or 9.8% from the first quarter of 2024, with significant contributions from the Columbus market.
Title Business Expansion
The title business had a very strong quarter, exceeding the prior year revenue by nearly 50%.
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SBFG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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SBFG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| May 01, 2025 | $19.40 | $19.40 | 0.00% |
| Jan 23, 2025 | $20.62 | $21.08 | +2.23% |
| Oct 24, 2024 | $19.97 | $18.74 | -6.16% |
| Jul 18, 2024 | $15.10 | $14.76 | -2.25% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does SB Financial Group Inc (SBFG) report earnings?
SB Financial Group Inc (SBFG) is schdueled to report earning on Jul 28, 2025, TBA Not Confirmed.
What is SB Financial Group Inc (SBFG) earnings time?
SB Financial Group Inc (SBFG) earnings time is at Jul 28, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SBFG EPS forecast?
SBFG EPS forecast for the fiscal quarter 2025 (Q2) is 0.54.
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