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SB Financial Group Inc (SBFG)
:SBFG
Earnings Data
Report Date
Jan 22, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.64Last Year’s EPS
0.52Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflects a strong performance with significant increases in net income and net interest income, successful loan and deposit growth, improved asset quality, and completion of an acquisition. Despite these achievements, challenges remain with declines in mortgage originations and noninterest income. However, the positive aspects appear to outweigh the negatives.Company Guidance
Significant Increase in Net Income
Net income was reported at $4 million with diluted earnings per share of $0.64, up $0.29 or approximately 83% compared to the prior year quarter.
Growth in Net Interest Income
Net interest income totaled $12.3 million, an increase of over 21% from the $10.2 million in the third quarter of 2024, showing strong growth in income generation.
Sustained Loan and Deposit Growth
Loan growth over the prior year quarter was approximately $80.6 million, or 7.8%. Deposits grew by nearly $103 million, or 9%, inclusive of the $51 million in deposits related to the Marblehead acquisition.
Asset Quality and Credit Management
Charge-offs returned to historic levels, successfully eliminating nearly $1.3 million in nonperforming loans from the linked quarter by way of payoffs and upgrades.
Successful Acquisition Integration
The integration of the Marblehead clients was successfully completed, adding nearly 2,500 deposit accounts with a weighted average cost of approximately 1.2%.
Stable Operating Expenses
Operating expenses decreased approximately 3% from the linked quarter and are up slightly compared to the prior year. Year-to-date expense growth, excluding onetime merger costs, was 9.5%, below the 18.5% revenue growth.
Improvement in Tangible Book Value
Tangible book value per share ended the quarter at $17.21, up from $16.49 last year, marking a 4.4% increase, and excluding acquisition payment for Marblehead, it's up 8.9%.
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
SBFG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 30, 2025 | $18.71 | $19.42 | +3.79% |
Jul 25, 2025 | $19.45 | $19.49 | +0.21% |
May 01, 2025 | $18.98 | $18.98 | 0.00% |
Jan 23, 2025 | $20.18 | $20.63 | +2.23% |
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 Jan 22, 2026, After Close (Confirmed).
What is SB Financial Group Inc (SBFG) earnings time?
SB Financial Group Inc (SBFG) earnings time is at Jan 22, 2026, 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 (Q4) is 0.64.