)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6723
AI and industrial demand drive growth, timing business sold, inventory targets raised. - 032640
Net profit rose 61.9% on strong mobile and enterprise growth, with AIDC and AI driving expansion. - S68
Record revenue, robust margins, and strong IPO pipeline highlight broad-based growth. - 6417
Strong pachinko sales drove revenue growth, with major treasury stock cancellation planned. - BPT
H1 FY26 revenue hit $1B, with strong gas prices and LNG cargoes offsetting lower production. - CPAY
Record 2025 results and 2026 outlook driven by strong segment growth and capital deployment. - LOT
A$76M equity raise supports Kayelekera ramp-up and Letlhakane development amid strong uranium demand. - SYM
Revenue up 29% to $630M, net income $13.36M, $22.3B backlog, strong cash, legal risks persist. - TENB
Record 2025 results with double-digit growth, strong cash flow, and expanding AI-driven platform. - DHX
Q4 2025 revenue down 10% YoY; FY 2026 guidance targets $118M–$122M revenue.
Next SB Financial Group earnings date
Q1 20261 May, 2026
SB Financial Group
Next SB Financial Group earnings date
Q1 20261 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage