Recent 8-K filings for SBFG

• July 31, 2026, 2:41 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  SB Financial Q2 net income $4.5M, EPS $0.72, up 20% YoY; loans up 8.7%

  GAAP net income $4.5M ($0.72 diluted EPS) vs $3.9M ($0.60) YoY; adjusted EPS $0.73, up 25.9%.

• April 22, 2026, 7:59 PM ET earnings materiality 0.72 positive item 7.01item 9.01

  SB Financial reports FY2025 net income $14.0M, EPS $2.19; deposits up 13.4%

  Net income of $14.0M, diluted EPS $2.19; ROAA 0.93%, ROAE 10.38%.

• November 4, 2025, 6:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01

  SB Financial Q3 EPS $0.68 beats $0.62 consensus; rev $12.33M slightly above $12.30M

  Q3 2025 normalized EPS of $0.68 vs consensus $0.62 (beat by 9.68%).

• November 4, 2025, 6:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01

  SB Financial Q3 net income $4.0M (+71.9% YoY); EPS $0.64 vs $0.35

  Net interest income $12.3M, up 21.1% YoY; net interest margin expanded 32 bps to 3.48%.

• July 28, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01

  SB Financial Q2 net income rises 23.7% to $3.9M, EPS $0.60 vs $0.47 YoY

  GAAP EPS $0.60 (up 27.7% YoY); adjusted EPS $0.58 (up 26.1%).

• May 6, 2025, 7:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01

  SB Financial Q1 adjusted net income up 23.2% to $2.7M; Marblehead Bank acquisition closed

  Adjusted diluted EPS $0.42 vs $0.33 prior year; GAAP EPS $0.33 down 5.7%.

• April 16, 2025, 7:59 PM ET other material materiality 0.60 neutral item 7.01item 9.01

  SB Financial reports 2024 net income of $11.5M; deposit growth $82.4M, loans up $46.5M

  Net income $11.5M ($1.72/share), down from $12.1M in 2023; ROAA 0.84%, ROAE 9.19%

• January 28, 2025, 6:59 PM ET earnings materiality 0.70 neutral item 2.02item 9.01

  SB Financial Q4 net income $3.6M (-6.4% YoY); adjusted EPS up 16.7%; loans +$46.5M

  Q4 diluted EPS $0.55 vs $0.57 prior year; adjusted EPS increased $0.07 or 16.7%.

• January 21, 2025, 6:59 PM ET M&A materiality 0.65 positive item 7.01item 8.01item 9.01

  SB Financial closes $5.0M Marblehead Bancorp acquisition; adds Ottawa County, OH footprint

  Shareholders of Marblehead received $196.31 per share in cash; total consideration of ~$5.0M.

• August 15, 2024, 7:59 PM ET M&A materiality 0.80 positive item 7.01item 8.01item 9.01

  SB Financial (SBFG) to acquire Marblehead Bancorp for ~$5M cash, adds Ohio branches

  Marblehead shareholders receive $196.31 cash per share; aggregate value ~$5.0 million.

• April 23, 2024, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 9.01 ◈ Earnings Releases

  SB Financial Q1 net income $2.4M (-3.3% YoY), EPS flat at $0.35

  Net interest income $9.2M, down 11.1% YoY on higher deposit costs; net interest margin compressed 38 bps.

• January 26, 2024, 6:59 PM ET earnings materiality 0.65 positive item 2.02item 9.01 ◈ Earnings Releases

  SB Financial Q4 net income up 9.9% to $3.9M; loans surpass $1B

  Net income $3.9M ($0.57 diluted EPS) up 9.9% YoY; interest income up 16.9% to $15.1M.

• November 2, 2023, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  SB Financial Q3 net income $2.7M, down 19.6% YoY; diluted EPS $0.39

  Net income $2.7M, -19.6% YoY; diluted EPS $0.39, -17.0% YoY.

• April 25, 2023, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  SB Financial Q1 net income down 12.9% to $2.5M; EPS $0.35; loan growth 5.9% annualized

  Net income $2.5M, diluted EPS $0.35 vs $0.40 prior year; adjusted for OMSR recapture, net income up 14%.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.50 · Most common event earnings

26 positive 2 negative 22 neutral

source · SBFG on sec.gov