SBFG FY 2025 Earnings Report — SB Financial Group, Inc. Revenue & Financial Results | Market Cap Arena

SB Financial Group, Inc.SBFG

FY 2025 Earnings

Reported March 6, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$91M	—	$81M	—	11.9%
Op. Income	$17M	—	$14M	—	24.5%
Gross Margin	70.9%	—	69.8%	—	1.1pp
Net Margin	15.4%	—	14.1%	—	1.3pp
EPS (Diluted)	$2.19	—	$1.72	—	27.3%
Free Cash Flow	$21M	—	$8M	—	160.7%

Revenue Flow

Item	Amount
REVENUE	$91M
Cost of Revenue	$27M
GROSS PROFIT	$65M
R&D Expenses	$0
Selling & Marketing	$651.0K
General & Administrative	$26M
SG&A Expenses	$26M
Other Expenses	$21M
Operating Expenses	$47M
Cost & Expenses	$74M
OPERATING INCOME	$17M
Interest Income	$74M
Interest Expense	$25M
Other Income/Expenses	$0
INCOME BEFORE TAX	$17M
Income Tax Expense	$3M
Net Income from Continuing Ops	$14M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$14M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$14M
D&A	$2M
EBIT	$17M
EBITDA	$19M
EPS	$2
EPS Diluted	$2

Income Statement

Item	Amount
REVENUE	$91M
Cost of Revenue	$27M
GROSS PROFIT	$65M
R&D Expenses	$0
Selling & Marketing	$651.0K
General & Administrative	$26M
SG&A Expenses	$26M
Other Expenses	$21M
Operating Expenses	$47M
Cost & Expenses	$74M
OPERATING INCOME	$17M
Interest Income	$74M
Interest Expense	$25M
Other Income/Expenses	$0
INCOME BEFORE TAX	$17M
Income Tax Expense	$3M
Net Income from Continuing Ops	$14M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$14M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$14M
D&A	$2M
EBIT	$17M
EBITDA	$19M
EPS	$2
EPS Diluted	$2

Cash Flow Statement

Item	Amount
Net Income	$14M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$9M
Change in Working Capital	$844.0K
OPERATING CASH FLOW	$24M
Capital Expenditure	-$3M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$68M
NET CASH FROM INVESTING	-$68M
Net Debt Issuance	-$1M
Common Stock Repurchased	-$6M
Common Dividends Paid	-$4M
Other Financing Activities	$100M
NET CASH FROM FINANCING	$90M
FREE CASH FLOW	$21M
Net Change in Cash	$46M

Balance Sheet

Item	Amount
Cash & Equivalents	$72M
Short-Term Investments	$8M
Net Receivables	$5M
Inventory	$0
Other Current Assets	-$5M
TOTAL CURRENT ASSETS	$79M
PP&E (Net)	$22M
Goodwill	$27M
Intangible Assets	$15M
Long-Term Investments	$1.2B
Tax Assets	$0
Other Non-Current Assets	$236M
TOTAL NON-CURRENT ASSETS	$1.5B
TOTAL ASSETS	$1.5B
Account Payables	$2M
Short-Term Debt	$9M
Deferred Revenue	$0
Other Current Liabilities	$8M
TOTAL CURRENT LIABILITIES	$22M
Long-Term Debt	$65M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$1.3B
TOTAL NON-CURRENT LIABILITIES	$1.4B
TOTAL LIABILITIES	$1.4B
Common Stock	$61M
Additional Paid-In Capital	$15M
Retained Earnings	$126M
Treasury Stock	-$40M
Accum. Other Comp. Income	-$21M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$141M
Minority Interest	$0
TOTAL EQUITY	$141M
TOTAL LIABILITIES & EQUITY	$1.5B
Total Debt	$74M
Net Debt	$3M