SB FINANCIAL GROUP, INC.SBFG

Market cap

$153.8M

P/E ratio

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Taxable	-	-	-	-	-	27	30	36	41	40	38	38	51	57
Tax exempt	-	-	-	-	-	0	0	0	0	0	0	0	0	0
Taxable	2	2	1	1	2	2	2	3	3	2	3	6	5	5
Tax exempt	978,886	1	1	1	1	1	1	0	0	0	0	0	0	0
Other interest income	-	-	-	-	-	-	-	-	-	-	-	-	1	2
Total interest income	-	-	-	-	-	-	-	-	-	-	-	-	58	64
Deposits	4	3	2	2	2	3	3	5	9	6	3	3	15	21
Repurchase agreements & other	912,047	0	0	0	0	0	0	0	0	0	0	0	-	0
Federal Home Loan Bank advance expense	402,251	0	0	0	0	0	0	0	0	0	0	1	3	2
Trust preferred securities expense	1	2	1	1	0	0	0	0	0	0	0	0	1	1
Subordinated debt expense	96,135	0	0	-	-	-	-	-	-	-	-	-	1	1
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	24
Net Interest Income	21	21	21	21	23	26	28	33	35	-	-	-	39	40
Provision (benefit) for credit losses - loans	2	1	1	0	1	1	0	1	1	5	1	-	1	-0
Provision (benefit) for unfunded commitments	-	-	-	-	-	-	-	-	-	-	-	-	-	-1
Total provision for credit losses	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Net interest income after provision for credit losses	19	19	20	20	22	25	28	33	34	31	37	39	39	40
Wealth management fees	-	-	-	-	-	-	-	3	3	3	4	4	4	4
Customer service fees	-	-	-	-	-	-	-	3	3	3	3	3	3	3
Gain on sale of mortgage loans & OMSR	4	6	5	4	6	8	7	7	8	25	17	4	4	5
Mortgage loan servicing fees, net	-	-	-	-	-	-	-	1	-0	-5	3	3	2	2
Gain on sale of non-mortgage loans	-	-	-	-	-	-	-	-	-	-	0	1	0	0
Title insurance income	-	-	-	-	-	-	-	-	-	-	-	-	2	2
Other income	683,619	1	1	1	1	1	1	2	2	1	1	1	2	2
Total noninterest income	14	15	14	13	16	18	17	17	18	30	31	18	18	17
Salaries and employee benefits	14	15	13	13	15	17	19	21	22	25	27	24	23	24
Net occupancy expense	2	2	2	2	2	2	2	2	3	3	3	3	3	3
Equipment expense	3	3	3	3	2	3	3	3	3	3	3	4	4	4
Data processing fees	624,522	0	1	1	1	1	2	2	2	3	3	3	3	3
Professional fees	2	2	2	2	2	1	2	2	2	3	3	3	3	3
Marketing expense	327,803	0	0	1	1	1	1	1	1	1	1	1	1	1
Telephone and communications	580,376	1	1	0	0	0	0	0	0	1	1	0	1	1
Postage and delivery expense	1	1	1	1	1	1	0	0	0	0	0	0	0	0
State, local and other taxes	457,026	1	1	0	1	-	-	1	1	1	1	1	1	1
Employee expense	-	-	-	-	-	-	-	-	-	-	-	-	1	1
Other expense	1	1	1	3	2	3	2	2	2	2	2	2	3	3
Total noninterest expense	30	27	27	26	27	30	32	35	37	43	45	42	42	43
Income before income tax	-	-	-	-	-	-	-	-	-	-	23	15	15	14
Income tax expense	658,029	2	2	2	3	4	3	3	3	3	4	3	3	2
Net Income	2	5	5	5	8	9	11	12	12	15	18	13	12	11
Basic earnings per common share (in Dollars per share)	0.34	0.99	1.07	1.08	1.36	1.6	2.1	1.72	1.71	1.96	2.58	1.79	1.77	1.72
Diluted earnings per common share (in Dollars per share)	0.34	0.99	1.07	1.07	1.19	1.38	1.74	1.51	1.51	1.96	2.56	1.77	1.75	1.72