Filing Flows › SB Financial Group (SBFG) › Q3 2026
SB Financial Group (SBFG) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
SB Financial Group (SBFG) reported revenue of $18.1M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +0.7% from the quarter before. Operating margin was 26.5%, net earnings $3.9M (21.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $18.1M | +0.7% | +9% |
| Operating profit | $4.8M | -13% | -3% |
| Net earnings | $3.9M | -12% | -2% |
| Operating cash flow | $8.7M | +28% | -31% |
| Free cash flow | $8.5M | +31% | -31% |
What changed
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.
Questions
What was SB Financial Group's revenue in the third quarter 2026?
SB Financial Group (SBFG) reported revenue of $18.1M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +0.7% from the quarter before.
Was SB Financial Group profitable in the third quarter 2026?
Operating profit was $4.8M (26.5% of revenue) and net earnings $3.9M.
Source: SB Financial Group 10-Q on SEC EDGAR.