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SB Financial Group (SBFG) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · SB Financial Group (SBFG) Q3 2026 earnings results →
Q3 2026 Revenue up 9% year over year to $18.1M · 22¢ of every $1 of revenue kept as net profit · operating margin 26.5%
SB Financial Group made $18.1M in Q3 2026 (+9% Y/Y): Net interest income $13.4M, Noninterest income $4.7M. Operating margin 26.5%, net earnings $3.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
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What changed this quarter
Revenue was $18.1M in Q3 2026, up 9% year over year and up 1% from the previous quarter. Net interest income was the largest line at 74% of revenue. Net interest income added $1.1M year over year (up 9%), 73% of the total change.
Operating profit was $4.8M, a 26.5% margin (down 3.4 points year over year). Operating profit fell $165K even though revenue rose $1.5M versus a year earlier, so costs grew faster than sales. Total costs grew 14% against revenue growth of 9%. The fastest-growing cost line was Noninterest expense (+14%). Net earnings were $3.9M, down 2% year over year. The effective tax rate was 17.6%.
Operating cash flow was $8.7M (down 31% year over year), 221% of net earnings. Non-cash charges added back $560K of depreciation and amortization and $136K of share-based compensation. Working capital and other items added $4.1M. Capital expenditures of $247K left free cash flow of $8.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $18.1M | +9% | 26.5% | $3.9M | $8.7M |
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About SB Financial Group
Certain statements contained in this Annual Report on Form 10-K which are not statements of historical fact constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. See “Cautionary Statement Regarding Forward-Looking Information” under Item 1A. Risk Factors on page 12 of this Annual Report on Form 10-K. SB Financial Group, Inc., an Ohio corporation (the “SB Financial”), is a financial holding company subject to regulation under the Bank Holding Company Act of 1956, as amended, and to inspection, examination and supervision by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board” or the “FRB”). SB Financial was organized in 1983. The executive offices of SB Financial are located at 401 Clinton Street, Defiance, Ohio 43512.
In its own words, from its 10-K, filed Mar 6, 2026.
SB Financial Group against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +10%. Operating margin: 26.5% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SBFG SB Financial Group | Q3 2026 | $18.1M | +9% | 26.5% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: SB Financial Group 10-Q on SEC EDGAR · CIK 767405 · State Commercial Banks
Guidance and outlook
13F: who owns SBFG and who is buying
More on SBFG
History
Every quarter: Q3 2026 results