SB Financial Q4 net income rises 7.8%, noninterest income falls

SB Financial

29/01/2026 21:24

Overview

Diversified financial services firm's Q4 net income rose 7.8% yr/yr

Net interest income for Q4 increased 16.7% yr/yr

Company's Q4 noninterest income fell 18.6% due to lower fee-based income

Outlook

Company remains focused on prudent organic growth and expense management

Company emphasizes diversified business model and funding profile for stability

Result Drivers

LOAN GROWTH - SB Financial reported a 12.8% increase in loan growth, driven by strong client activity and the Marblehead acquisition

DEPOSIT GROWTH - Deposits rose 13.4% year-over-year, supported by stable core deposit relationships and the Marblehead acquisition

NONINTEREST INCOME DECLINE - Noninterest income fell 18.6% due to lower wealth management and mortgage loan servicing fees

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Operating Revenue
$16.42 mln
Q4 Adjusted EPS
Beat
$0.65
$0.64 (1 Analyst)
Q4 EPS
$0.63
Q4 Net Income
$3.92 mln
Q4 Net Interest Income
$12.71 mln
Q4 Provision For Credit Losses
$198,000


Analyst Coverage

The one available analyst rating on the shares is "strong buy"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for SB Financial Group Inc is $23.00, about 5.8% above its January 28 closing price of $21.74

The stock recently traded at 9 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nGNXRLKwn

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)