For the quarter ending 2025-09-30, SBFG had $5,562K increase in cash & cash equivalents over the period. $12,238K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 4,046 | 6,010 |
| Depreciation and amortization | 546 | 1,090 |
| Provision for credit losses | 124 | 984 |
| Expense of share-based compensation plan | 121 | 341 |
| Amortization of premiums and discounts on securities | 112 | 209 |
| Amortization of intangible assets | 59 | 119 |
| Amortization of originated mortgage servicing rights | 456 | 762 |
| Recovery of mortgage servicing rights | 301 | -170 |
| Proceeds from sale of loans held for sale | 66,407 | 113,593 |
| Originations of loans held for sale | 57,679 | 118,267 |
| Gain from sale of loans | 1,336 | 2,512 |
| Interest receivable | 156 | 391 |
| Other assets | -1,443 | -3,139 |
| Interest payable & other liabilities | -1,753 | -1,829 |
| Net cash provided by operating activities | 12,691 | 3,078 |
| Purchases of available-for-sale securities | 0 | 100 |
| Purchases of interest bearing time deposits | 950 | 0 |
| Proceeds from maturities of interest bearing time deposits | 490 | 0 |
| Proceeds from sale of federal home loan bank stock | - | 0 |
| Proceeds from maturities of available-for-sale securities | 5,287 | 11,526 |
| Proceeds from sales of available-for-sale securities | -2 | 30,123 |
| Net change in loans | 15,828 | 29,742 |
| Purchase of premises, equipment | 453 | 1,451 |
| Purchase of bank owned life insurance | 800 | 0 |
| Purchase of federal reserve and federal home loan bank stock | 0 | 126 |
| Proceeds from sale of foreclosed assets | 47 | 10 |
| Acquisition, net of cash acquired (paid) | 0 | 3,014 |
| Net cash used in investing activities | -12,209 | 7,226 |
| Net increase in demand deposits, money market, interest checking & savings accounts | 14,536 | 32,197 |
| Net increase in time deposits | -1,836 | 11,932 |
| Net increase in securities sold under agreements to repurchase | -4,664 | 5,055 |
| Repayment of federal home loan bank advances | 0 | 1,000 |
| Proceeds from federal home loan bank advances | - | 0 |
| Stock repurchase plan | 2,007 | 3,030 |
| Cash dividends on common shares | 949 | 1,923 |
| Net cash provided by financing activities | 5,080 | 43,231 |
| Increase in cash and cash equivalents | 5,562 | 53,535 |
| Cash and cash equivalents at beginning of period | 25,928 | - |
| Cash and cash equivalents at end of period | 85,025 | - |
SB FINANCIAL GROUP, INC. (SBFG)
SB FINANCIAL GROUP, INC. (SBFG)