The earnings call presented a generally positive outlook with significant growth in net income, deposits, and loan volumes. Revenue diversification and mortgage origination were strong. However, there were some challenges, such as a slight decline in deposits from the previous quarter and issues in the Wealth Management division. Nonperforming assets and credit losses were also noted, but the overall performance was strong, with inclusion in the Russell 2000 Index as a notable achievement.

Company Guidance -

Q3 2025

During the second quarter of 2025, SB Financial reported strong financial performance, highlighted by a net income of $3.9 million and diluted earnings per share of $0.60, marking a 28% increase from the previous year. The company's tangible book value per share rose 7.7% to $16.44, while net interest income surged by over 25% year-over-year to $12.1 million. Loan growth was robust at $90 million, an 8.9% increase from the prior year, contributing to a total asset base exceeding $3.5 billion. SB Financial also saw a 12% increase in deposits, largely due to the successful integration of the Marblehead acquisition. Mortgage originations nearly reached $98 million, with a strong pipeline of $34 million promising continued momentum. Noninterest income grew by 15.1% to $5 million, driven by gains in mortgage loan sales and related services. Despite a slight decrease in deposits from the linked quarter, the company maintained a 30% annualized growth in net interest income, supported by stable funding costs and a strategic focus on expanding its market presence and deepening client relationships.

Significant Increase in Net Income

Net income for the quarter was $3.9 million, with diluted earnings per share of $0.60, up $0.13 or nearly 28% compared to the prior year quarter.

Strong Deposit and Loan Growth

Deposits grew by over 12%, and loan growth for the quarter was approximately $90 million, up 8.9% from the prior year.

Revenue Diversification and Mortgage Origination

Noninterest income was up 15.1% from the prior year quarter, with mortgage origination volume of approximately $98 million.

Inclusion in Russell 2000 Index

SB Financial was added to the Russell 2000 Index, reflecting market recognition of strong financial performance.

Stable or Lower Funding Costs

Interest expense was up less than 6%, with a decrease in yield on interest-bearing liabilities from 2.48% to 2.33%.

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

Daily Earnings Calendar >

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	$19.73	$19.77	+0.20%
May 01, 2025	$19.25	$19.25	0.00%
Jan 23, 2025	$20.47	$20.93	+2.25%
Oct 24, 2024	$19.82	$18.60	-6.16%

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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