{ "cik": 767405, "cik_padded": "0000767405", "entityName": "SB FINANCIAL GROUP, INC.", "fiscal_years": [ { "accn": "0001213900-26-024471", "filed": "2026-03-06", "fiscal_year": 2025, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 5686000.0, "capex": 2602000.0, "dividends_paid": 3849000.0, "eps_diluted": 2.19, "free_cash_flow": 21437000.0, "net_income": 13974000.0, "operating_cash_flow": 24039000.0, "revenue": 48453000.0, "stockholders_equity": 141236000.0, "total_assets": 1545367000.0, "total_liabilities": 1404131000.0 }, "period_end": "2025-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 9.941735818063384, "net_margin": 0.2884031948486162, "payout_ratio": 0.2754401030485187, "revenue_growth_yoy": 0.21369169881268474, "roa_avg2y": 0.009555250738148932, "roa_period_end": 0.009042512231722304, "roe_avg2y": 0.10399487988569048, "roe_period_end": 0.09894077997111218 } }, { "accn": "0001213900-26-024471", "filed": "2026-03-06", "fiscal_year": 2024, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 4768000.0, "capex": 1229000.0, "dividends_paid": 3770000.0, "eps_diluted": 1.72, "free_cash_flow": 8222000.0, "net_income": 11470000.0, "operating_cash_flow": 9451000.0, "revenue": 39922000.0, "stockholders_equity": 127508000.0, "total_assets": 1379517000.0, "total_liabilities": 1252009000.0 }, "period_end": "2024-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 9.81906233334379, "net_margin": 0.2873102549972446, "payout_ratio": 0.32868352223190933, "revenue_growth_yoy": 0.016525348203600437, "roa_avg2y": 0.008425255787680616, "roa_period_end": 0.00831450427939634, "roe_avg2y": 0.09108596386738138, "roe_period_end": 0.0899551400696427 } }, { "accn": "0001213900-26-024471", "filed": "2026-03-06", "fiscal_year": 2023, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 3471000.0, "capex": 958000.0, "dividends_paid": 3584000.0, "eps_diluted": 1.75, "free_cash_flow": 13031000.0, "net_income": 12095000.0, "operating_cash_flow": 13989000.0, "revenue": 39273000.0, "stockholders_equity": 124342000.0, "total_assets": 1343249000.0, "total_liabilities": 1218907000.0 }, "period_end": "2023-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 9.802858245805922, "net_margin": 0.30797239833982637, "payout_ratio": 0.29632079371641173, "revenue_growth_yoy": -0.0031980507119470035, "roa_avg2y": 0.009029886348110892, "roa_period_end": 0.00900428736593141, "roe_avg2y": 0.09964163611648885, "roe_period_end": 0.09727204001865822 } }, { "accn": "0001213900-25-021622", "filed": "2025-03-07", "fiscal_year": 2022, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 5900000.0, "capex": 1896000.0, "dividends_paid": 3415000.0, "eps_diluted": 1.77, "free_cash_flow": 23673000.0, "net_income": 12521000.0, "operating_cash_flow": 25569000.0, "revenue": 39399000.0, "stockholders_equity": 118428000.0, "total_assets": 1335633000.0, "total_liabilities": 1217205000.0 }, "period_end": "2022-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 10.278017023001317, "net_margin": 0.3177999441610193, "payout_ratio": 0.27274179378643876, "roa_avg2y": 0.009391382744412405, "roa_period_end": 0.009374581191090666, "roe_avg2y": 0.0950876566789567, "roe_period_end": 0.1057266862566285 } }, { "accn": "0001213900-24-021013", "filed": "2024-03-08", "fiscal_year": 2021, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 9520000.0, "capex": 2427000.0, "dividends_paid": 3139000.0, "eps_diluted": 2.56, "free_cash_flow": 14830000.0, "net_income": 18277000.0, "operating_cash_flow": 17257000.0, "stockholders_equity": 144929000.0, "total_assets": 1330854000.0, "total_liabilities": 1185925000.0 }, "period_end": "2021-12-31", "ratio_units": { "leverage": "ratio", "payout_ratio": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.182799853721477, "payout_ratio": 0.17174591016031077, "roa_avg2y": 0.01412063925695322, "roa_period_end": 0.013733287047264389, "roe_avg2y": 0.12698886928004668, "roe_period_end": 0.1261100262887345 } }, { "accn": "0001213900-23-018266", "filed": "2023-03-07", "fiscal_year": 2020, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 7166000.0, "capex": 1980000.0, "dividends_paid": 3070000.0, "eps_diluted": 1.96, "free_cash_flow": 21927000.0, "net_income": 14944000.0, "operating_cash_flow": 23907000.0, "revenue": 36429000.0, "stockholders_equity": 142923000.0, "total_assets": 1257839000.0, "total_liabilities": 1114916000.0 }, "period_end": "2020-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 7.80081582390518, "net_margin": 0.4102226248318647, "payout_ratio": 0.20543361884368308, "revenue_growth_yoy": 0.0033602335637755803, "roa_avg2y": 0.013015063472820255, "roa_period_end": 0.011880693793084807, "roe_avg2y": 0.10711892106932552, "roe_period_end": 0.10455979793315281 } }, { "accn": "0001213900-22-010887", "filed": "2022-03-07", "fiscal_year": 2019, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 5050000.0, "capex": 2043000.0, "dividends_paid": 2331000.0, "eps_diluted": 1.51, "free_cash_flow": 16786000.0, "net_income": 11973000.0, "operating_cash_flow": 18829000.0, "revenue": 36307000.0, "stockholders_equity": 136094000.0, "total_assets": 1038577000.0, "total_liabilities": 902483000.0 }, "period_end": "2019-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 6.631320998721472, "net_margin": 0.32977111851709034, "payout_ratio": 0.19468804810824356, "revenue_growth_yoy": 0.09138184988126372, "roa_avg2y": 0.011822820621060973, "roa_period_end": 0.011528273782300208, "roe_avg2y": 0.08984388190403296, "roe_period_end": 0.08797595779387776 } }, { "accn": "0001213900-21-013974", "filed": "2021-03-08", "fiscal_year": 2018, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 109000.0, "capex": 1999000.0, "dividends_paid": 2090000.0, "eps_diluted": 1.51, "free_cash_flow": 11851000.0, "net_income": 11638000.0, "operating_cash_flow": 13850000.0, "revenue": 33267000.0, "stockholders_equity": 130435000.0, "total_assets": 986828000.0, "total_liabilities": 856393000.0 }, "period_end": "2018-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 6.5656687238854605, "net_margin": 0.34983617398623257, "payout_ratio": 0.17958412098298676, "revenue_growth_yoy": 0.17195096174170366, "roa_avg2y": 0.012490776541424397, "roa_period_end": 0.011793341899500216, "roe_avg2y": 0.10370931450085771, "roe_period_end": 0.08922451795913673 } }, { "accn": "0001213900-20-005594", "filed": "2020-03-06", "fiscal_year": 2017, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 1785000.0, "capex": 3714000.0, "dividends_paid": 1362000.0, "eps_diluted": 1.74, "free_cash_flow": 6089000.0, "net_income": 11065000.0, "operating_cash_flow": 9803000.0, "revenue": 28386000.0, "stockholders_equity": 94000000.0, "total_assets": 876627000.0, "total_liabilities": 782627000.0 }, "period_end": "2017-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_avg2y": "ratio", "roa_period_end": "ratio", "roe_avg2y": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.325819148936171, "net_margin": 0.389804833368562, "payout_ratio": 0.12309082693176683, "revenue_growth_yoy": 0.0979770239430627, "roa_avg2y": 0.013074312668081426, "roa_period_end": 0.012622244124353916, "roe_avg2y": 0.12257128298291867, "roe_period_end": 0.1177127659574468 } }, { "accn": "0001213900-19-003794", "filed": "2019-03-08", "fiscal_year": 2016, "form": "10-K", "fundamental_units": { "buybacks": "USD", "capex": "USD", "dividends_paid": "USD", "eps_diluted": "USD/shares", "free_cash_flow": "USD", "net_income": "USD", "operating_cash_flow": "USD", "revenue": "USD", "stockholders_equity": "USD", "total_assets": "USD", "total_liabilities": "USD" }, "fundamentals": { "buybacks": 1168000.0, "capex": 1636000.0, "dividends_paid": 1180000.0, "eps_diluted": 1.38, "free_cash_flow": 12390000.0, "net_income": 8784000.0, "operating_cash_flow": 14026000.0, "revenue": 25853000.0, "stockholders_equity": 86548000.0, "total_assets": 816005000.0, "total_liabilities": 729457000.0 }, "period_end": "2016-12-31", "ratio_units": { "leverage": "ratio", "net_margin": "ratio", "payout_ratio": "ratio", "revenue_growth_yoy": "ratio", "roa_period_end": "ratio", "roe_period_end": "ratio" }, "ratios": { "leverage": 8.428351897213107, "net_margin": 0.33976714501218425, "payout_ratio": 0.1343351548269581, "revenue_growth_yoy": 0.10752688172043011, "roa_period_end": 0.010764639922549495, "roe_period_end": 0.10149281323658547 } }, { "accn": "0001213900-18-002757", "filed": "2018-03-09", "fiscal_year": 2015, "form": "10-K", "fundamental_units": { "revenue": "USD" }, "fundamentals": { "revenue": 23343000.0 }, "period_end": "2015-12-31", "ratios": {} } ], "latest_filing": { "accn": "0001213900-26-024471", "filed": "2026-03-06", "form": "10-K" }, "note": "Static grepcent export of verified SEC companyfacts-derived values. Monetary values are raw reported units from grepcent's resolved facts; no scaling and no FX conversion. Capex, dividends, and buybacks are reported as positive outflow magnitudes. ROE/ROA include both period-end basis (site-consistent) and average-of-two-years basis where the prior-year denominator exists.", "schema_version": "1", "sic": "6022", "sic_description": "State Commercial Banks", "source_urls": { "sec_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000767405.json", "sec_submissions": "https://data.sec.gov/submissions/CIK0000767405.json" }, "ticker": "SBFG" }