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SB Financial Group Inc (SBFG)
NASDAQ:SBFG
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.57Last Year’s EPS
0.42Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly positive performance narrative: strong earnings, meaningful loan and deposit growth, improved tangible book value, healthy liquidity and solid asset quality. Management demonstrated disciplined expense control and capital returns. Offsetting items include weaker noninterest income due to MSR/OMSR impacts, a missed mortgage budget, some deposit pricing pressure and slower-than-desired credit resolution on isolated exposures. Overall, the positive operating and capital trends and management’s articulated plans for continued growth and cost discipline outweigh the headwinds.Company Guidance
Strong Earnings and EPS Growth
Net income of $3.9 million for the quarter; diluted EPS $0.63, up $0.08 (~15%) YoY. Full-year GAAP EPS $2.19, a 27% increase vs 2024 and 18% above 2025 budget; 60th consecutive quarter of profitability.
Net Interest Income and Margin Expansion
Quarterly net interest income $12.7 million, up ~17% YoY; full-year NII $48.4 million, up 21% YoY. NIM reported at ~3.51%; yield on earning assets improved 17 bps YoY to 5.32% and loan yield was 5.94% (+19 bps YoY). Management attributes ~50% of revenue growth to larger balance sheet and ~50% to wider margins.
Sustained Loan and Deposit Growth
Quarter loan growth of $70 million (25% annualized); full-year loan growth +$133.9 million (+12.8% YoY) marking 7 consecutive quarters of sequential loan growth. Deposits increased $45 million in the quarter (14% annualized) and ~+$155 million (13% YoY); excluding acquisition deposits, deposits grew 9.3% YoY.
Strong Liquidity and Balance Sheet Position
Total assets reached $3.6 billion (bank assets $1.5B; residential servicing ~$1.5B; wealth $566M). Held ~ $50 million in excess liquidity, $160 million in outstanding debt capacity and contingent liquidity/access to wholesale markets of over $550 million. Loan-to-deposit ratio at 90.3%, inside target 90–95%.
Capital Management and Shareholder Returns
Tangible book value per share $18, up 12.5% YoY; adjusted tangible book value $21.44. Repurchased ~32,000 shares in Q4 and ~$5.5 million YTD in buybacks. Announced dividend of $0.155/share (~2.8% yield), representing ~25% of earnings and the 13th consecutive year of increases.
Revenue Diversification and Business-Line Wins
Recurring net interest margin revenue now ~75% of total revenue. Peak Title revenue improved 25% to $2.0 million with net income +60% to $583k. Total assets under care expanded and the bank reported its highest gain-on-sale mortgage revenue since 2021.
Operating Discipline and Positive Operating Leverage
Operating expenses declined ~2.3% QoQ; full-year expense growth (excluding one-time merger costs) 7.7% vs full-year revenue growth 15.1% resulting in ~2x core operating leverage. Management expects expense growth ~3.5–4% in 2026 with continued positive operating leverage (1.5–2x).
Solid Asset Quality Metrics
Nonperforming loans to total loans declined to 0.39%. Nonperforming assets totaled $4.7 million. Charge-offs were 2 basis points for 2025 (4 bps in Q4). Allowance for credit losses 1.36% of loans, providing 352% coverage of nonperforming assets.
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 |
|---|---|---|---|
Jan 29, 2026 | $22.58 | $22.83 | +1.11% |
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% |
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 Apr 23, 2026, After Close (Confirmed).
What is SB Financial Group Inc (SBFG) earnings time?
SB Financial Group Inc (SBFG) earnings time is at Apr 23, 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 2026 (Q1) is 0.57.