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SB Financial Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$8.5M in Q3 2026 · $19.3M over twelve months

Operating cash flow$8.7M
Capital spending−$247K
Free cash flow+$8.5M
Cash / net income2.2×

Analysis

In Q3 2026, SB Financial Group generated $8.7M of operating cash flow and spent $247K on capital projects, leaving free cash flow of $8.5M. That is $3.8M less than in Q3 2025 ($12.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $20.8M; the largest uses were other investing ($98.9M), dividends ($4.0M), buybacks ($2.1M); besides operations, cash came from other financing ($103M); the cash balance rose by $17.4M.

Operating cash flow was $8.7M against net income of $3.9M — 2.2× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets −$4.3M, depreciation & amortization +$560K, stock-based pay +$136K.

Free cash flow

SB Financial Group: free cash flow by quarterSB Financial Group: free cash flow by quarter$5.7MQ4 2024$5.8MQ1 2025−$4.2MQ2 2025$12.2MQ3 2025$7.6MQ4 2025−$3.2MQ1 2026$6.5MQ2 2026$8.5MQ3 2026
Operating cash flow less capital spending.
SB Financial Group: operating cash flow against capital spendingSB Financial Group: operating cash flow against capital spendingOperating cash flowCapital spending$6.0M$282KQ4 2024$6.7M$923KQ1 2025−$3.6M$528KQ2 2025$12.7M$453KQ3 2025$8.3M$698KQ4 2025−$3.0M$229KQ1 2026$6.8M$366KQ2 2026$8.7M$247KQ3 2026
Latest (Q3 2026): Operating cash flow $8.7M, Capital spending $247K.

Capital allocation, year by year

SB Financial Group: where the cash came from (up) and went (down), by fiscal yearSB Financial Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $17.3MFY2021: Capital spending −$2.4MFY2021: Acquisitions −$1.1MFY2021: Buybacks −$9.5MFY2021: Dividends −$3.1M$17.3MFY2021FY2022: Operating cash flow $25.6MFY2022: Shares issued $232MFY2022: Capital spending −$1.9MFY2022: Buybacks −$5.9MFY2022: Dividends −$3.4M$258MFY2022FY2023: Operating cash flow $14.0MFY2023: Capital spending −$958KFY2023: Buybacks −$3.5MFY2023: Dividends −$3.6M$14.0MFY2023FY2024: Operating cash flow $9.5MFY2024: Capital spending −$1.2MFY2024: Buybacks −$4.8MFY2024: Dividends −$3.8M$9.5MFY2024FY2025: Operating cash flow $24.0MFY2025: Capital spending −$2.6MFY2025: Acquisitions −$3.0MFY2025: Buybacks −$5.7MFY2025: Dividends −$3.8M$24.0MFY2025
Over these 5 years operating cash flow totalled $90.3M; the largest uses were buybacks ($29.3M) and dividends ($17.8M). Cash-flow statements as filed.

Where the cash came from and went

SB Financial Group: sources (+) and uses (−) of cash, Q3 2026SB Financial Group: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$35.7MOther investing−$34.3MOperating cash flow$8.7MOther financing−$8.7MDividends−$1.0MCapital spending−$247KBuybacks−$194K
SB Financial Group: sources (+) and uses (−) of cash, TTM to Q3 2026SB Financial Group: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$103MOther investing−$98.9MOperating cash flow$20.8MCash drawn (+) / kept (−)−$17.4MDividends−$4.0MBuybacks−$2.1MCapital spending−$1.5M

From profit to cash

SB Financial Group: net income to operating cash flow, Q3 2026SB Financial Group: net income to operating cash flow, Q3 2026Net income$3.9MDepreciation & amortization$560KStock-based pay$136KGains on disposals$32KPrepaid and other assets−$4.3MOperating cash flow$8.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$8.7M−$247K—−$194K−$1.0M$35.7M$8.5M
Q2 2026$6.8M−$366K—−$626K−$1.0M−$11.9M$6.5M
Q1 2026−$3.0M−$229K—−$676K−$976K−$54.8M−$3.2M
Q4 2025$8.3M−$698K—−$649K−$977K$13.5M$7.6M
Q3 2025$12.7M−$453K—−$2.0M−$949K−$5.6M$12.2M
Q2 2025−$3.6M−$528K—−$2.3M−$976K$25.7M−$4.2M
Q1 2025$6.7M−$923K−$3.0M−$712K−$947K−$79.2M$5.8M
Q4 2024$6.0M−$282K—−$2.7M−$964K$23.4M$5.7M

SB Financial Group: income statement and cash flow

SB Financial Group, Q3 2026: revenue $18.1M (+9% year over year), operating margin 26.5%. The chart follows the revenue to costs, profit and cash.

SB Financial Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.