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AI brief of an SEC Form 8-K · SB FINANCIAL GROUP, INC. (SBFG)

SB Financial Q3 net income slips 2.5% to $3.9 million as revenue rises 9.0%

Mixed Impact 3 of 5 earnings Written later

SB Financial Group reported third quarter 2026 results in a news release dated October 22, 2026, furnished under Item 2.02 of this 8-K. Net income was $3.9 million, or $0.63 per diluted share, compared with $4.0 million, or $0.64, a year earlier, while operating revenue rose 9.0% to $18.1 million, but noninterest expense climbed 14.4%, which weighed on profit.

Key points

  • Q3 2026 GAAP net income was $3,946 thousand, down 2.5% from the prior-year quarter; diluted EPS was $0.63 versus $0.64.
  • Operating revenue was $18.1 million, up 9.0% year over year; net interest income rose 8.8% to $13.4 million.
  • Noninterest expense rose 14.4% to $13.2 million; the efficiency ratio was 72.46%, compared with 69.00% a year earlier.
  • Nine-month net income was $12.7 million, up 26.7%, and diluted EPS was $2.04, up 30.8% from $1.56.

The filing

CompanySB FINANCIAL GROUP, INC. (SBFG)
Form8-K, current report
Filed with the SECOct 23, 2026, 1:00 PM ET
Accession number0001213900-26-111997

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 23, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.