What is Sb Finl Group Inc's earnings per share (EPS)?

Sb Finl Group Inc (SBFG) reported diluted earnings per share of $2.19 for fiscal year 2025. This represents a 27.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Sb Finl Group Inc Financials

SBFG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Sb Finl Group Inc (SBFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

5/9

Sb Finl Group Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass.

Earnings Quality Cash-Backed

1.72x

For every $1 of reported earnings, Sb Finl Group Inc generates $1.72 in operating cash flow ($24.0M OCF vs $14.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$14.0M

YoY+21.8%

5Y CAGR-1.3%

10Y CAGR+6.3%

Sb Finl Group Inc reported $14.0M in net income in fiscal year 2025. This represents an increase of 21.8% from the prior year.

EPS (Diluted)

$2.19

YoY+27.3%

5Y CAGR+2.2%

10Y CAGR+6.3%

Sb Finl Group Inc earned $2.19 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$21.4M

YoY+160.7%

5Y CAGR-0.5%

10Y CAGR+31.2%

Sb Finl Group Inc generated $21.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 160.7% from the prior year.

Cash & Debt

$71.5M

YoY+175.9%

5Y CAGR-12.7%

10Y CAGR+13.3%

Sb Finl Group Inc held $71.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.60

YoY+7.1%

5Y CAGR+8.4%

Sb Finl Group Inc paid $0.60 per share in dividends in fiscal year 2025. This represents an increase of 7.1% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

9.9%

YoY+0.9pp

5Y CAGR-0.6pp

10Y CAGR+0.5pp

Sb Finl Group Inc's ROE was 9.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$5.7M

YoY+19.3%

5Y CAGR-4.5%

10Y CAGR+121.5%

Sb Finl Group Inc spent $5.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 19.3% from the prior year.

Capital Expenditures

$2.6M

YoY+111.7%

5Y CAGR+5.6%

10Y CAGR-9.7%

Sb Finl Group Inc invested $2.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 111.7% from the prior year.

SBFG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	N/A	N/A	N/A	$44.6M+6.4%	$41.9M-1.7%	$42.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.5M+4.3%	$24.4M+29.4%	$18.9M+265.2%	$5.2M+28.6%	$4.0M-40.0%	$6.7M
Income Tax	$3.3M+37.5%	$2.4M-9.0%	$2.6M-6.2%	$2.8M-37.1%	$4.4M+27.2%	$3.5M
Net Income	$14.0M+21.8%	$11.5M-5.2%	$12.1M-3.4%	$12.5M-31.5%	$18.3M+22.3%	$14.9M
EPS (Diluted)	$2.19+27.3%	$1.72-1.7%	$1.75-1.1%	$1.77-30.9%	$2.56+30.6%	$1.96

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$6.5M+2.1%	$6.3M+4.0%	$6.1M	N/A	$6.4M+6.1%	$6.0M-2.0%	$6.1M
Income Tax	N/A	$910K+4.0%	$875K+103.0%	$431K	N/A	$752K+188.1%	$261K-45.7%	$481K
Net Income	N/A	$4.0M+5.0%	$3.9M+78.5%	$2.2M	N/A	$2.4M-24.4%	$3.1M+31.5%	$2.4M
EPS (Diluted)	N/A	$0.64+6.7%	$0.60+81.8%	$0.33	N/A	$0.35-25.5%	$0.47+34.3%	$0.35

SBFG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B+12.0%	$1.4B+2.7%	$1.3B+0.6%	$1.3B+0.4%	$1.3B+5.8%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$71.5M+175.9%	$25.9M+12.9%	$23.0M-17.4%	$27.8M-81.4%	$149.5M+6.3%	$140.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$1.2B+12.9%	$1.0B+4.8%	$984.4M+3.8%	$948.3M+17.2%	$808.9M	N/A
Goodwill	$27.2M+16.9%	$23.2M0.0%	$23.2M0.0%	$23.2M+0.2%	$23.2M+5.0%	$22.1M
Total Liabilities	$1.4B+12.2%	$1.3B+2.7%	$1.2B+0.1%	$1.2B+2.6%	$1.2B+6.4%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$19.7M+0.2%	$19.6M+0.2%	$19.6M+0.2%	$19.5M	N/A
Total Equity	$141.2M+10.8%	$127.5M+2.5%	$124.3M+5.0%	$118.4M-18.3%	$144.9M+1.4%	$142.9M
Retained Earnings	$126.3M+8.7%	$116.2M+7.1%	$108.5M+6.4%	$102.0M+2.3%	$99.7M+17.9%	$84.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.5B+3.3%	$1.5B+0.7%	$1.5B-1.0%	$1.5B+8.8%	$1.4B-1.0%	$1.4B	N/A	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$71.5M-15.9%	$85.0M+7.0%	$79.5M-24.4%	$105.1M+305.5%	$25.9M-47.5%	$49.3M+124.5%	$22.0M-17.4%	$26.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$1.2B+6.4%	$1.1B+1.4%	$1.1B+0.6%	$1.1B+4.0%	$1.0B+1.7%	$1.0B	N/A	N/A
Goodwill	$27.2M0.0%	$27.2M0.0%	$27.2M0.0%	$27.2M+16.9%	$23.2M0.0%	$23.2M0.0%	$23.2M0.0%	$23.2M
Total Liabilities	$1.4B+3.3%	$1.4B+0.5%	$1.4B-1.2%	$1.4B+9.4%	$1.3B-0.7%	$1.3B	N/A	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$19.7M+0.1%	$19.7M	N/A	N/A
Total Equity	$141.2M+3.1%	$136.9M+2.5%	$133.6M+1.6%	$131.5M+3.2%	$127.5M-4.0%	$132.8M+5.9%	$125.5M+1.4%	$123.7M
Retained Earnings	$126.3M+2.4%	$123.4M+2.6%	$120.3M+2.4%	$117.4M+1.0%	$116.2M+2.4%	$113.5M	N/A	N/A

SBFG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$24.0M+154.4%	$9.5M-32.4%	$14.0M-45.3%	$25.6M+48.2%	$17.3M-27.8%	$23.9M
Capital Expenditures	$2.6M+111.7%	$1.2M+28.3%	$958K-49.5%	$1.9M-21.9%	$2.4M+22.6%	$2.0M
Free Cash Flow	$21.4M+160.7%	$8.2M-36.9%	$13.0M-45.0%	$23.7M+59.6%	$14.8M-32.4%	$21.9M
Investing Cash Flow	-$68.1M-135.2%	-$28.9M-66.5%	-$17.4M+89.5%	-$165.7M-130.1%	-$72.0M-25.8%	-$57.2M
Financing Cash Flow	$89.7M+299.2%	$22.5M+1647.9%	-$1.5M-107.9%	$18.4M-71.0%	$63.6M-56.7%	$146.9M
Dividends Paid	$3.8M+2.1%	$3.8M+5.2%	$3.6M+4.9%	$3.4M+8.8%	$3.1M+2.2%	$3.1M
Share Buybacks	$5.7M+19.3%	$4.8M+37.4%	$3.5M-41.2%	$5.9M-38.0%	$9.5M+32.8%	$7.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$8.3M-34.8%	$12.7M+450.1%	-$3.6M-154.1%	$6.7M+12.5%	$6.0M+64.5%	$3.6M+934.3%	-$434K-240.9%	$308K
Capital Expenditures	$698K+54.1%	$453K-14.2%	$528K-42.8%	$923K+227.3%	$282K-27.5%	$389K-2.5%	$399K+150.9%	$159K
Free Cash Flow	$7.6M-38.1%	$12.2M+394.7%	-$4.2M-171.9%	$5.8M+1.9%	$5.7M+75.6%	$3.2M+488.0%	-$833K-659.1%	$149K
Investing Cash Flow	-$63.1M-416.8%	-$12.2M-527.1%	-$1.9M-121.2%	$9.2M+165.1%	-$14.1M+24.2%	-$18.6M-133.2%	-$8.0M-168.1%	$11.7M
Financing Cash Flow	$41.4M+714.0%	$5.1M+125.3%	-$20.1M-131.7%	$63.3M+514.2%	-$15.3M-136.1%	$42.3M+1017.6%	$3.8M+145.2%	-$8.4M
Dividends Paid	$977K+3.0%	$949K-2.8%	$976K+3.1%	$947K-1.8%	$964K+2.2%	$943K-0.3%	$946K+3.2%	$917K
Share Buybacks	$649K-67.7%	$2.0M-13.4%	$2.3M+225.6%	$712K-74.1%	$2.7M+143.0%	$1.1M+201.9%	$374K-28.2%	$521K

SBFG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	28.1%-15.5pp	43.6%+8.6pp	35.0%
Return on Equity	9.9%+0.9pp	9.0%-0.7pp	9.7%-0.8pp	10.6%-2.0pp	12.6%+2.1pp	10.5%
Return on Assets	0.9%+0.1pp	0.8%-0.1pp	0.9%-0.0pp	0.9%-0.4pp	1.4%+0.2pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.94+9.8	0.150.0	0.160.0	0.17+0.0	0.13-7.7	7.80
FCF Margin	N/A	N/A	N/A	53.1%+17.7pp	35.4%-16.0pp	51.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	2.9%+0.1pp	2.9%+1.2pp	1.6%	N/A	1.8%-0.7pp	2.5%+0.6pp	1.9%
Return on Assets	N/A	0.3%+0.0pp	0.3%+0.1pp	0.1%	N/A	0.2%	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.94+0.0	9.93-0.2	10.12-0.3	10.41+10.3	0.150.0	0.15	N/A	N/A
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Sb Finl Group Inc profitable?

Yes, Sb Finl Group Inc (SBFG) reported a net income of $14.0M in fiscal year 2025.

Does Sb Finl Group Inc pay dividends?

Yes, Sb Finl Group Inc (SBFG) paid $0.60 per share in dividends during fiscal year 2025.

What is Sb Finl Group Inc's return on equity (ROE)?

Sb Finl Group Inc (SBFG) has a return on equity of 9.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Sb Finl Group Inc's free cash flow?

Sb Finl Group Inc (SBFG) generated $21.4M in free cash flow during fiscal year 2025. This represents a 160.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Sb Finl Group Inc's operating cash flow?

Sb Finl Group Inc (SBFG) generated $24.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Sb Finl Group Inc's total assets?

Sb Finl Group Inc (SBFG) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Sb Finl Group Inc's capital expenditures?

Sb Finl Group Inc (SBFG) invested $2.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Sb Finl Group Inc buy back shares?

Yes, Sb Finl Group Inc (SBFG) spent $5.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Sb Finl Group Inc's debt-to-equity ratio?

Sb Finl Group Inc (SBFG) had a debt-to-equity ratio of 9.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Sb Finl Group Inc's return on assets (ROA)?

Sb Finl Group Inc (SBFG) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Sb Finl Group Inc's Piotroski F-Score?

Sb Finl Group Inc (SBFG) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Sb Finl Group Inc's earnings high quality?

Sb Finl Group Inc (SBFG) has an earnings quality ratio of 1.72x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.