SB Financial joins Russell 3000, Russell 2000 indices
SB Financial Indices Inclusion: SB Financial has been included in the Russell 3000 and Russell 2000 indices, marking a significant milestone for the company.
Implications of Inclusion: Being part of these indices may enhance SB Financial's visibility and attract more investors.
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- Earnings Growth: SB Financial Group reported a net income of $3.9 million for Q4 2025, with diluted EPS of $0.63, reflecting an increase of $0.08 from the prior year, indicating strong profitability amidst challenging mortgage market conditions.
- Loan and Deposit Growth: The company achieved loan growth of $70 million, with an annualized growth rate of 25%, and deposits increased by $45 million, or 14% annualized, demonstrating significant progress in expanding its customer base and market share.
- Strong Asset Quality: Despite industry pressures, the company maintained a nonperforming loan ratio of only 0.39% and an allowance for credit losses at 1.36% of total loans, showcasing robust asset quality and effective risk management practices.
- Positive Outlook: Management expects to continue focusing on disciplined execution to optimize lending capacity and drive core deposit growth in 2026, while projecting a gradual decrease in net interest margin by 5 to 7 basis points, reflecting adaptability to changing market conditions.
- Earnings Beat: SB Financial Group reported a Q4 non-GAAP EPS of $0.65, surpassing expectations by $0.01, indicating stable profitability and growth potential for the company.
- Significant Revenue Growth: The company achieved revenues of $16.42 million, reflecting a 6.3% year-over-year increase, exceeding expectations by $4.12 million, showcasing its competitive position and business expansion capabilities.
- Positive Market Reaction: The earnings beat is likely to positively impact SB Financial Group's stock price, attracting more investor interest in its future growth potential.
- Strong Financial Health: The consistent revenue growth and stable profitability suggest SB Financial Group's resilience in the current economic environment, laying a solid foundation for future investments and expansions.

- Board Transition: SB Financial Group announced that Rita A. Kissner retired from the Board after over 21 years of service on December 17, 2025, and was named Director Emeritus, reflecting the company's high regard for her contributions.
- New Board Appointment: On the same day, Sue A. Strausbaugh was appointed to the Board, bringing over 13 years of experience on the Defiance Advisory Board, which is expected to enhance the Board's decision-making capabilities with her deep understanding of the company's strategy and customers.
- Leadership Acknowledgment: Chairman Mark Klein expressed gratitude for Kissner's leadership and guidance, which helped the company navigate key strategic priorities and reinforced its commitment to strong governance and long-term shareholder value.
- Company Overview: Headquartered in Defiance, Ohio, SB Financial Group offers a full range of financial services, including community banking, mortgage banking, and wealth management, operating 27 offices and 27 ATMs, demonstrating its strong presence in the regional market.

- Board Transition: SB Financial Group announced the retirement of Rita A. Kissner on December 17, 2025, after over 21 years of service, and her appointment as Director Emeritus highlights the company's recognition of her contributions.
- New Board Appointment: On the same day, Sue A. Strausbaugh was appointed to the Board, bringing over 13 years of experience from the Defiance Advisory Board, which will provide fresh perspectives and a deep understanding of the company's strategy and community needs.
- Leadership Stability: Chairman Mark Klein noted that Kissner's leadership has helped the company navigate key strategic priorities, reinforcing its commitment to strong governance and long-term shareholder value.
- Company Overview: Headquartered in Defiance, Ohio, SB Financial Group offers a full range of financial services, including community banking and wealth management, operating 27 offices and 27 ATMs, demonstrating a strong local market presence.
Board Transition Announcement: SB Financial Group announced the retirement of Rita A. Kissner from its Board of Directors after over 21 years, naming her Director Emeritus in recognition of her service.
New Board Appointment: Sue A. Strausbaugh has been appointed to the Board, effective December 17, 2025, bringing over 13 years of experience from the Defiance Advisory Board.
Leadership Acknowledgment: Mark Klein, Chairman and CEO, expressed gratitude for Kissner's contributions to the company's governance and strategic priorities, emphasizing her role in enhancing shareholder value.
Company Overview: SB Financial Group, based in Defiance, Ohio, offers a range of financial services through its subsidiaries, including State Bank & Trust Company and Peak Title, with operations across Ohio and Indiana.
SB Financial Group: This financial service holding company has a Zacks Rank #1 (Strong Buy) and a low P/E ratio of 8.47, with a 5.4% increase in current year earnings estimates over the last 60 days.
First Financial Corporation Indiana: Also holding a Zacks Rank #1, this multi-bank holding company has a P/E ratio of 8.48 and a 3.9% increase in current year earnings estimates in the past 60 days.
Teradata: This company, which provides a hybrid cloud analytics platform, has a Zacks Rank #1 and a P/E ratio of 11.30, with a notable 7.8% increase in current year earnings estimates recently.
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