The strong 2025 results and 12.5% increase in adjusted tangible book value suggest solid execution; monitor upcoming earnings for guidance on sustaining this momentum.
Price Chart
Executive Summary
SB Financial Group presented its 2025 financial results at its annual shareholder meeting, highlighting strong performance with $14.0 million in net income, $2.19 EPS, 13.4% deposit growth, 12.8% loan growth, and a 0.93% ROAA. The company also received the Piper Sandler Small Cap All Star Award.
Key Facts
- 2025 Net Income: $14.0 million ($2.19/share)
- Deposit Growth: $155 million (13.4%)
- Loan Growth: $134 million (12.8%)
- ROAA: 0.93%
- ROAE: 10.38%
- NIM: 3.47%
- Adjusted Tangible Book Value: $21.44/share (up $2.00/share)
- Market Cap rose to $139 million
Financial Impact
Strong 2025 performance with $14.0M net income, 13.4% deposit growth, 12.8% loan growth, and 0.93% ROAA
Risk Factors
- Market cap only rose $3 million despite strong results, indicating potential investor skepticism about sustainability
- No forward-looking guidance provided in the filing
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001213900-26-046506 |
| Document: ea0287321-8k_sbfinancial.htm | 0001213900-26-046506 |
| Document: 0001213900-26-046506-index-headers.html | 0001213900-26-046506 |
| Document: 0001213900-26-046506-index.html | 0001213900-26-046506 |
| Document: 0001213900-26-046506.txt | 0001213900-26-046506 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 2d ago | 8-K | $30.14 | awaiting T+60 | — | $30.30 (−0.53%) |
Oct 23, 2026 2d ago | 8-K | $29.80 | awaiting T+60 | — | $30.30 (+1.69%) |
Oct 22, 2026 3d ago | Press Release | $30.22 | awaiting T+60 | — | $30.30 (+0.26%) |
Sep 25, 2026 4w ago | Press Release | $29.99 | awaiting T+60 | — | $30.30 (+1.03%) |
Jul 31, 2026 12w ago | 8-K | $26.28 | awaiting T+60 | — | $30.30 (+15.30%) |
Jul 31, 2026 12w ago | 8-K | $26.28 | awaiting T+60 | — | $30.30 (+15.30%) |
Jul 23, 2026 13w ago | Press Release | $25.62 $29.34 | ▲ +14.50% | ▲ +11.21% | $30.30 (+18.27%) |
Jun 11, 2026 19w ago | Institutional Cluster | $22.85 $29.99 | ▲ +31.23% | ▲ +26.83% | $30.30 (+32.60%) |
Apr 23, 2026 26w ago | Press Release | $22.18 $27.32 | ▲ +23.17% | ▲ +18.09% | $30.30 (+36.61%) |
Apr 23, 2026 26w ago | 8-K | $21.31 $26.97 | ▲ +26.56% | ▲ +21.54% | $30.30 (+42.19%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers