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SB Financial Group
SB Financial Group (SBFG) investor relations material
SB Financial Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved one of the strongest earnings quarters and years in company history, with robust execution in core and expansion markets despite industry-wide mortgage pressure.
Fourth quarter net income was $3.9 million, with diluted EPS of $0.63, up 15% year-over-year; adjusted net income was $4.0 million and adjusted EPS $0.65, up 18.6% and 25% respectively.
Full-year net income increased 21.8% to $14.0 million, with GAAP EPS at $2.19, up 27%, and adjusted EPS at $2.31, up 35.1%.
Marked 60 consecutive quarters of profitability, with continued contribution from the Marblehead acquisition.
Tangible book value per share rose 12.5% to $18, with adjusted tangible book value at $21.44.
Financial highlights
Net interest income for Q4 was $12.7 million, up 17% year-over-year; full-year net interest income grew 21.4% to $48.5 million.
Total operating revenue for Q4 was $16.4 million, up 6.3% year-over-year.
Non-interest income for Q4 was $3.7 million, down 18.6% year-over-year, mainly due to lower wealth management and mortgage servicing fees; full-year non-interest income was $17.1 million.
Operating expenses declined 2.3% from the linked quarter; full-year expense growth (excluding merger costs) was 7.7%, well below revenue growth.
Noninterest expense for Q4 increased 2.1% year-over-year to $11.2 million, with an efficiency ratio of 68.1%.
Outlook and guidance
Expect net interest margin to decline 5-7 basis points in 2026 due to higher funding costs.
Mortgage production projected to grow to $310–$330 million in 2026, with potential upside to $350–$375 million if additional lenders are hired.
Expense growth expected to be 3.5%-4% in 2026, with positive operating leverage of 1.5-2x.
Targeting net income of $15 million for 2026.
Management expects continued prudent organic growth, disciplined expense management, and thoughtful capital deployment to support sustainable performance and long-term shareholder value.
Detail 2026 deposit strategy for NIM support
Outline 2026 growth drivers beyond Columbus
Describe 2026 non-interest income growth plans
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Next SB Financial Group earnings date
Q1 20261 May, 2026
SB Financial Group
Next SB Financial Group earnings date
Q1 20261 May, 2026
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Frequently asked questions
SB Financial Group Inc. is a financial holding company that provides banking and wealth management services through its subsidiaries. It offers personal and commercial banking, mortgage origination, and trust services to clients in Ohio, Indiana, and Michigan. Its customer base includes individuals, small businesses, and local governments. The company is headquartered in Defiance, Ohio, and its shares are listed on the NASDAQ.
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