SB Financial Reports Q1 Financial Results

SB Financial Group, Inc. (NASDAQ:SBFG) has disclosed its financial results for the first quarter ending March 31, 2025, in a recent 8-K filing with the SEC. The Ohio-based state commercial bank, which has maintained profitability over the last twelve months with earnings of $1.70 per share, held a conference call and webcast on Monday to discuss the quarterly outcomes. InvestingPro analysis suggests the stock is currently undervalued, with analysts setting a unified price target of $26.00.

According to the filing, the company’s common shares, with no par value, stood at 6,526,996 outstanding as of May 5, 2025. The shares are listed under the ticker symbol SBFG on The NASDAQ Stock Market LLC, specifically the NASDAQ Capital Market. With a market capitalization of $127.5 million, the company has demonstrated commitment to shareholder returns through 12 consecutive years of dividend increases, currently offering a 3.09% yield. For deeper insights into SBFG’s valuation and growth prospects, investors can access comprehensive analysis through InvestingPro’s detailed research reports.

The 8-K report, filed today, detailed the company’s financial condition and results of operations without specifying the numbers. For those interested in a more in-depth discussion, SB Financial Group has furnished a transcript of the May 2, 2025, conference call and webcast as Exhibit 99.1, which is incorporated by reference into the filing. While analysts anticipate a sales decline in the current year, the company maintains strong financial health metrics according to InvestingPro’s comprehensive analysis, which includes over 30 key financial indicators and exclusive insights.

The company has made it clear that the information provided in Item 2.02, including the furnished exhibit, is not to be considered "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, nor is it to be deemed incorporated by reference into any registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as expressly stated in such filing.

This SEC filing offers a snapshot of SB Financial Group’s recent financial performance and is based on the press release statement. For further details, stakeholders are directed to review the transcript of the conference call and webcast. The company, headquartered at 401 Clinton Street, Defiance, OH, operates under the CIK number 0000767405. Despite recent market volatility, SBFG has delivered a robust 48.4% total return over the past year, showcasing its resilience in the banking sector.

In other recent news, SB Financial Group Inc reported its first-quarter 2025 earnings, which exceeded analysts’ expectations. The company posted an earnings per share (EPS) of $0.42, surpassing the projected $0.32, and reported a revenue of $15.39 million. This performance marks a 31.25% surprise in EPS, reflecting strong operational results. SB Financial also completed the acquisition of Marblehead Bancorp, which contributed significantly to its deposit growth, adding $56 million in low-cost deposits. The company’s net interest income increased by 23% from the previous year, reaching $11.3 million. Analysts from Janney Montgomery have shown interest in SB Financial’s loan growth and deposit trends, with the company projecting a loan growth of 8-10% for 2025. Additionally, SB Financial anticipates a margin improvement to 3.55-3.60% by the fourth quarter of 2025. The firm’s strategic focus remains on expanding its market presence and enhancing its financial performance amidst economic uncertainties.

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