Filing Flows › SB Financial Group (SBFG) › Q3 2026 › vs Q3 2025
SB Financial Group (SBFG) Q3 2026 vs Q3 2025 (year over year)
SB Financial Group's revenue rose $1.5M (+9%) from $16.6M in Q3 2025 to $18.1M in Q3 2026. The biggest changes: Net interest income +$1.1M (+9%); Noninterest income +$407K (+10%). Operating margin 26.5% against 29.9% (-3.4 pts).
SB Financial Group, Q3 2026: revenue $18.1M (+9% year over year), operating margin 26.5%, net earnings $3.9M, operating cash flow $8.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 26.5% | 29.9% | -3.4 pts |
| Net margin | 21.8% | 24.4% | -2.6 pts |
| Free cash flow margin | 46.9% | 73.8% | -26.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $13.4M | $12.3M | $1.1M | +9% |
| Noninterest income | $4.7M | $4.2M | $407K | +10% |
| Revenue | $18.1M | $16.6M | $1.5M | +9% |
| Operating profit | $4.8M | $5.0M | −$165K | -3% |
| Costs & expenses | $13.3M | $11.6M | $1.7M | +14% |
| Pre-tax earnings | $4.8M | $5.0M | −$165K | -3% |
| Credit loss provision | $127K | $124K | $3K | +2% |
| Noninterest expense | $13.2M | $11.5M | $1.7M | +14% |
| Net earnings | $3.9M | $4.0M | −$100K | -2% |
| Income tax | $845K | $910K | −$65K | -7% |
| Depreciation & amortization | $560K | $546K | $14K | +3% |
| Share-based compensation | $136K | $121K | $15K | +12% |
| Working capital & other | $4.1M | $8.0M | −$3.9M | -49% |
| Operating cash flow | $8.7M | $12.7M | −$4.0M | -31% |
| Free cash flow (OCF − capex) | $8.5M | $12.2M | −$3.8M | -31% |
| Capital expenditures | $247K | $453K | −$206K | -45% |
Questions
How much did SB Financial Group's revenue grow year over year in Q3 2026?
SB Financial Group's revenue rose $1.5M (+9%) from $16.6M in Q3 2025 to $18.1M in Q3 2026.
What drove SB Financial Group's revenue change in Q3 2026?
Net interest income +$1.1M (+9%); Noninterest income +$407K (+10%).