SB Financial Group, Inc. (SBFG) Earnings History
Profitable31 years of earnings data (1995–2025) · Positive TTM net income
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SB Financial Group, Inc. (SBFG) Earnings Overview
As of July 8, 2026, SB Financial Group, Inc. (SBFG) reported trailing twelve-month net income of $16M, reflecting +27.3% year-over-year growth. The company earned $2.58 per diluted share over the past four quarters, with a net profit margin of 15.4%.
Looking at the long-term picture, SBFG's 5-year EPS compound annual growth rate (CAGR) stands at +3.2%, reflecting modest earnings expansion. The company achieved its highest annual net income of $18M in fiscal 2021.
SB Financial Group, Inc. maintains industry-leading profitability with a gross margin of 70.6%, operating margin of 19.0%, and net margin of 15.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), MVBF ($29M net income, 10.0% margin), CFFI ($28M net income, 14.4% margin), SBFG has room to improve margins relative to the peer group. Compare SBFG vs CZWI →
SBFG Earnings vs Peers
Earnings metrics vs comparable public companies
SBFG Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $14M | +21.8% | $17M | $2.19 | 15.4% | 19.0% |
| 2024 | $11M | -5.2% | $14M | $1.72 | 14.1% | 17.0% |
| 2023 | $12M | -3.4% | $15M | $1.75 | 15.9% | 19.4% |
| 2022 | $13M | -31.5% | $15M | $1.77 | 19.9% | 24.4% |
| 2021 | $18M | +22.3% | $23M | $2.44 | 25.2% | 31.3% |
| 2020 | $15M | +24.8% | $18M | $1.87 | 20.5% | 25.4% |
| 2019 | $12M | +2.9% | $15M | $1.44 | 19.2% | 23.4% |
| 2018 | $12M | +5.2% | $14M | $1.44 | 20.7% | 25.7% |
| 2017 | $11M | +26.0% | $14M | $1.66 | 22.3% | 27.4% |
| 2016 | $9M | +15.3% | $13M | $1.31 | 18.7% | 27.5% |
| 2015 | $8M | +44.8% | $11M | $1.13 | 18.3% | 26.5% |
| 2014 | $5M | +1.1% | $7M | $1.02 | 14.1% | 19.7% |
| 2013 | $5M | +8.1% | $7M | $1.02 | 13.4% | 19.1% |
| 2012 | $5M | +189.3% | $7M | $0.94 | 11.8% | 16.5% |
| 2011 | $2M | +110.7% | $2M | $0.32 | 4.0% | 5.6% |
| 2010 | -$16M | -4181.9% | -$22M | $-3.06 | -31.0% | -43.9% |
| 2009 | $382,491 | -92.7% | $-277,897 | $0.07 | 0.6% | -0.4% |
| 2008 | $5M | +60.2% | $7M | $1.01 | 8.6% | 12.1% |
| 2007 | $3M | +18.0% | $4M | $0.62 | 5.4% | 7.5% |
| 2006 | $3M | +310.1% | $4M | $0.52 | 5.0% | 6.8% |
| 2005 | $673,091 | -75.4% | $754,444 | $0.14 | 1.7% | 1.9% |
| 2004 | $3M | -77.8% | $4M | $0.57 | 7.3% | 10.3% |
| 2003 | $12M | +191.8% | $19M | $2.57 | 19.7% | 29.8% |
| 2002 | -$13M | -695.1% | -$20M | $-2.81 | -21.5% | -32.8% |
| 2001 | $2M | -63.0% | $3M | $0.48 | 3.2% | 4.5% |
| 2000 | $6M | +17.0% | $9M | $1.29 | 9.0% | 13.1% |
| 1999 | $5M | +21.6% | $8M | $1.05 | 9.3% | 13.5% |
| 1998 | $4M | -22.4% | $6M | $0.90 | 14.1% | 20.9% |
| 1997 | $6M | +13.7% | $8M | $1.07 | 21.7% | 31.5% |
| 1996 | $5M | +18.4% | $7M | $0.92 | 22.2% | 33.1% |
| 1995 | $4M | - | $6M | $0.77 | 19.1% | 29.0% |
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SBFG — Frequently Asked Questions
Quick answers to the most common questions about buying SBFG stock.
What is SBFG earnings per share (EPS)?
SBFG trailing twelve-month (TTM) diluted EPS is $2.58, reflecting +27.3% year-over-year growth. The 5-year EPS CAGR is +3.2%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is SB Financial Group, Inc.'s net income?
SB Financial Group, Inc. (SBFG) trailing twelve-month net income is $16M as of 2025. Earnings grew +27.3% year-over-year. SB Financial Group, Inc. has been profitable for 15 consecutive years.
Is SBFG profitable?
Yes, SBFG is profitable with a TTM net income of $16M and a net profit margin of +15.4%. SB Financial Group, Inc. has generated profits for 15 consecutive years.
What is SBFG's earnings growth rate?
SBFG compound annual EPS growth rates (CAGR): 1-Year: +27.3%, 3-Year: +7.4%, 5-Year: +3.2%, 10-Year: +6.8%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are SBFG's profit margins?
SB Financial Group, Inc. net profit margin is +15.4%, operating margin is +19.0%, and gross margin is +70.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.4%.
Is SBFG growing earnings?
Yes, SBFG earnings are accelerating — EPS growth of +27.3% exceeds the 5-year CAGR of +3.2%. TTM net income reached $16M. Earnings momentum is strengthening.
What was SBFG's best earnings year?
SB Financial Group, Inc.'s highest annual net income on record is $18M, achieved in fiscal year 2021. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were SBFG's earnings last quarter?
SBFG's most recent reported quarter was Q1 2026. Net income was $4M with diluted EPS of $0.69. For a full breakdown of all quarters, see the quarterly earnings table on this page.