The earnings call reflected a strong financial performance with significant growth in income, loans, and deposits. There were notable successes in revenue and margin expansion, as well as cost management and asset quality. However, there were some challenges, including a slight decline in deposits from the linked quarter and competition in the loan market. Overall, the positive aspects significantly outweighed the challenges.

Company Guidance -

Q3 2025

During the second quarter of 2025, SB Financial reported a net income of $3.9 million, with diluted earnings per share rising to $0.60, marking a 28% increase from the prior year. The company achieved a tangible book value per share of $16.44, up 7.7% from the previous year, and net interest income of $12.1 million, reflecting a 25% increase from the second quarter of 2024. Loan growth was robust at approximately $90 million, an 8.9% increase, while deposits grew by over 12%, bolstered by the Marblehead acquisition. Assets under management exceeded $3.5 billion, showcasing a diversified revenue stream. Mortgage originations were strong at nearly $98 million, and noninterest income rose by 15.1% to $5 million. Operating expenses decreased by 4.5% from the linked quarter, and charge-off levels were below 2 basis points, indicating stable asset quality. The company's net interest margin improved by 36 basis points to nearly 3.5%, driven by effective management of funding costs and loan growth. SB Financial also announced a dividend of $0.15 per share, maintaining a 25% payout of earnings.

Strong Financial Performance

Net income for Q2 2025 was $3.9 million, with diluted earnings per share of $0.60, a 28% increase compared to the prior year quarter. Tangible book value per share increased by 7.7% to $16.44.

Loan and Deposit Growth

Loan growth for the quarter was approximately $90 million, up 8.9% from the prior year. Deposits grew by over 12%, including $51 million from the Marblehead acquisition, which remained nearly 100% intact.

Revenue and Margin Expansion

Net interest income totaled $12.1 million, an increase of over 25% from Q2 of the previous year. Net interest margin increased by 36 basis points to nearly 3.5%.

Mortgage and Noninterest Income Growth

Mortgage originations were just short of $98 million for the quarter, with a strong pipeline of $34 million. Noninterest income increased by 15.1% from the prior year quarter, driven by gains on mortgage loans and title services.

Operational and Asset Quality Excellence

Operating expenses decreased by approximately 4.5% from the linked quarter. Charge-offs returned to less than 2 basis points, with nonperforming assets totaling $6.2 million.

SB Financial Group (SBFG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SBFG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.62 / -	0.41	―	―	―
Jul 25, 2025	2025 (Q2)	0.54 / 0.58	0.46	26.09% (+0.12)	―
May 01, 2025	2025 (Q1)	0.40 / 0.42	0.33	27.27% (+0.09)	―
Jan 23, 2025	2024 (Q4)	0.41 / 0.52	0.57	-8.77% (-0.05)	―
Oct 24, 2024	2024 (Q3)	0.42 / 0.41	0.4	2.50% (<+0.01)	―
Jul 18, 2024	2024 (Q2)	0.35 / 0.46	0.45	2.22% (+0.01)	―
Apr 18, 2024	2024 (Q1)	0.30 / 0.33	0.34	-2.94% (-0.01)	―
Jan 25, 2024	2023 (Q4)	0.35 / 0.57	0.49	16.33% (+0.08)	―
Oct 30, 2023	2023 (Q3)	0.41 / 0.40	0.47	-14.89% (-0.07)	―
Jul 27, 2023	2023 (Q2)	0.38 / 0.45	0.37	21.62% (+0.08)	―

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

SBFG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$19.59	$19.63	+0.20%
May 01, 2025	$19.12	$19.12	0.00%
Jan 23, 2025	$20.32	$20.78	+2.26%
Oct 24, 2024	$19.68	$18.47	-6.15%

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.

FAQ

When does SB Financial Group Inc (SBFG) report earnings?

SB Financial Group Inc (SBFG) is schdueled to report earning on Oct 29, 2025, After Close (Confirmed).

What is SB Financial Group Inc (SBFG) earnings time?

SB Financial Group Inc (SBFG) earnings time is at Oct 29, 2025, After Close (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 (Q3) is 0.62.

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