SB Financial Group Inc (SBFG)
NASDAQ:SBFG
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Earnings Data
Report Date
Jul 27, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.69Last Year’s EPS
0.58Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive tone driven by strong earnings, revenue growth, improved fee income, solid deposit gains, disciplined expense management, favorable credit metrics and successful integration of the Marblehead acquisition. Management acknowledged near-term headwinds including mortgage volume volatility, modest sequential loan growth, potential deposit cost pressure, an elevated OREO position from a foreclosure and capital deployment constraints (sub-debt call and slower buybacks). On balance, the positives—particularly the year-over-year revenue and earnings growth, robust reserve coverage and deposit/loan growth—outweigh the lowlights, though management remains cautious and focused on disciplined execution.Company Guidance
Strong Profitability and Earnings Growth
Net income of $4.3 million and GAAP diluted EPS of $0.69 vs $0.33 in Q1 2025; adjusted EPS $0.63 vs $0.42 in Q1 2025 (adjusted >50% YoY). This marks the 61st consecutive quarter of profitability.
Balance Sheet and Book Value Expansion
Tangible book value per share of $18.45 vs $15.79 a year ago (≈+17%) and adjusted tangible book value per share (ex-AOCI) ≈$22. Loans ended the quarter at ~$1.18 billion (≈+ $92 million YoY, ~+8.5% YoY). Total deposits $1.37 billion vs $1.27 billion a year ago (≈+8% YoY).
Revenue Growth and Stable Net Interest Income
Total operating revenue $17.4 million, +13.2% YoY and +6.1% sequential. Net interest income $12.7 million, +12.7% YoY and stable sequentially; net interest margin 3.49% (up from 3.41% YoY).
Noninterest Income and Mortgage/Fee Improvement
Noninterest income $4.7 million, +14.7% YoY and +27% sequential. Mortgage banking contribution $1.8 million vs $1.5 million prior year; mortgage originations $66 million vs $40 million prior year (≈+65% YoY). Pipeline stabilized at ~$35 million with management expecting ~25% sequential mortgage volume growth in Q2.
Expense Discipline and Efficiency Improvement
Noninterest expense $11.9 million, down ~$0.5 million YoY. Reported efficiency ratio 68.1%, a meaningful improvement vs prior year; adjusted efficiency ratio improved by over 500 basis points with adjusted operating leverage positive (~5x).
Strong Credit Metrics and Reserve Coverage
Nonperforming assets $4.8 million (0.3% of total assets) vs $6.1 million (0.41%) a year ago (≈-21% YoY). Allowance for credit losses 1.39% of loans (up from 0.41% a year ago, +98 bps) with coverage of nonperforming loans >400%. Criticized and classified loans $4.6 million, down $2.5 million (-35% YoY). Total delinquency reduced to 28 bps at quarter end.
Strategic Growth and Acquisition Integration
One-year anniversary of the Marblehead acquisition noted as a solid contributor to funding and franchise stability. New market activity produced nearly $19 million in loans and ~$17 million in deposits in ~5 months. Management continuing targeted market expansion and cross-sell initiatives.
Capital Actions and Shareholder Returns
Repurchased ~29,000 shares during the quarter at an average price of $21.12. Announced quarterly dividend of $0.16 per share (annualized yield ≈2.8%). Capital ratios (TCE/CTE) improved and management retains flexibility for deployment.
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 |
|---|---|---|---|
Apr 23, 2026 | $21.31 | $22.18 | +4.08% |
Jan 29, 2026 | $22.41 | $22.66 | +1.11% |
Oct 30, 2025 | $18.57 | $19.27 | +3.77% |
Jul 25, 2025 | $19.31 | $19.34 | +0.20% |
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 Jul 27, 2026, After Close (Confirmed).
What is SB Financial Group Inc (SBFG) earnings time?
SB Financial Group Inc (SBFG) earnings time is at Jul 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is SBFG EPS forecast?
SBFG EPS forecast for the fiscal quarter 2026 (Q2) is 0.69.