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SB FINANCIAL GROUP, INC. (SBFG)

SB FINANCIAL GROUP, INC. (SBFG)

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Cash Flow Overview

Change in Cash
$11,859K
Free Cash flow
$6,468K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of loans held...
    • Net increase in time deposits
    • Market, interest checking & savi...
    • Others
Negative Cash Flow Breakdown
    • Originations of loans held for s...
    • Net change in loans
    • Repayment of federal home loan b...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
4,497
-5,760
4,046
6,010
Depreciation and amortization
573
-1,054
546
1,090
Provision for credit losses
299
-894
124
984
Expense of share-based compensation plan
210
-307
121
341
Amortization of premiums and discounts on securities
102
-217
112
209
Amortization of intangible assets
59
-118
59
119
Amortization of originated mortgage servicing rights
497
-689
456
762
Recovery of mortgage servicing rights
54
-583
301
-170
Proceeds from sale of loans held for sale
70,741
-125,338
66,407
113,593
Originations of loans held for sale
69,913
-116,413
57,679
118,267
Gain from sale of loans
1,603
-2,726
1,336
2,512
Loss on sale of assets
-9
8
-
-
Interest receivable
-44
-538
156
391
Other assets
-620
6,872
-1,443
-3,139
Interest payable & other liabilities
645
3,398
-1,753
-1,829
Acquisition, net of cash acquired (paid)
-
-
0
3,014
Net cash provided by operating activities
6,834
-18,765
12,691
3,078
Purchases of available-for-sale securities
-
-
0
100
Proceeds from sales of available-for-sale securities
-
-
-2
30,123
Purchases of interest bearing time deposits
735
765
950
0
Proceeds from maturities of interest bearing time deposits
245
400
490
0
Proceeds from maturities of available-for-sale securities
4,507
-12,398
5,287
11,526
Net change in loans
8,854
-44,130
15,828
29,742
Purchase of premises, equipment
366
-1,675
453
1,451
Proceeds from sales of premises, equipment
0
48
-
-
Proceeds from bank owned life insurance
-1,043
-
800
0
Purchase of federal reserve and federal home loan bank stock
492
-
0
126
Proceeds from sale of federal home loan bank stock
873
-147
-
0
Proceeds from sale of foreclosed assets
-27
-
47
10
Net cash provided by (used in) investing activities
-4,969
7,099
-12,209
7,226
Market, interest checking & savings accounts
6,684
18,846
14,536
32,197
Net increase in time deposits
12,640
-11,096
-1,836
11,932
Net increase (decrease) in securities sold under agreements to repurchase
-2,701
-188
-4,664
5,055
Repayment of federal home loan bank advances
5,000
6,500
0
1,000
Proceeds from federal home loan bank advances
-
-
-
0
Stock repurchase plan
626
-4,361
2,007
3,030
Cash dividends on common shares
1,003
-1,896
949
1,923
Net cash provided by financing activities
9,994
7,319
5,080
43,231
Increase in cash and cash equivalents
11,859
-4,347
5,562
53,535
Cash and cash equivalents, beginning of period
85,025
85,025
25,928
-
Cash and cash equivalents, end of period
138,152
126,293
85,025
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase in timedeposits$12,640K (5.93%↑ Y/Y)Proceeds from sale ofloans held for sale$70,741K (-37.72%↓ Y/Y)Market, interestchecking & savings...$6,684K (-79.24%↓ Y/Y)Net income$4,497K (-25.17%↓ Y/Y)Interest payable & otherliabilities$645K (135.27%↑ Y/Y)Other assets-$620K (80.25%↑ Y/Y)Depreciation andamortization$573K (-47.43%↓ Y/Y)Amortization of originatedmortgage servicing...$497K (-34.78%↓ Y/Y)Provision for creditlosses$299K (-69.61%↓ Y/Y)Expense of share-basedcompensation plan$210K (-38.42%↓ Y/Y)Amortization of premiums anddiscounts on securities$102K (-51.20%↓ Y/Y)Amortization of intangibleassets$59K (-50.42%↓ Y/Y)Recovery of mortgageservicing rights$54K (131.76%↑ Y/Y)Interest receivable-$44K (-111.25%↓ Y/Y)Loss on sale of assets-$9K Net cash provided byfinancing activities$9,994K (-76.88%↓ Y/Y)Net cash provided byoperating activities$6,834K (122.03%↑ Y/Y)Canceled cashflow$9,330K Canceled cashflow$71,516K Increase in cash and cashequivalents$11,859K (-77.85%↓ Y/Y)Canceled cashflow$4,969K Repayment of federal homeloan bank advances$5,000K (400.00%↑ Y/Y)Net increase(decrease) in securities...-$2,701K (-153.43%↓ Y/Y)Cash dividends oncommon shares$1,003K (-47.84%↓ Y/Y)Stock repurchase plan$626K (-79.34%↓ Y/Y)Originations of loans held forsale$69,913K (-40.89%↓ Y/Y)Gain from sale ofloans$1,603K (-36.19%↓ Y/Y)Proceeds from maturitiesof...$4,507K (-60.90%↓ Y/Y)Proceeds from bank ownedlife insurance-$1,043K Proceeds from sale offederal home loan bank...$873K Proceeds from maturitiesof interest...$245K Net cash provided by(used in) investing...-$4,969K (-168.77%↓ Y/Y)Canceled cashflow$6,668K Net change in loans$8,854K (-70.23%↓ Y/Y)something is missing-$1,163K Purchases of interestbearing time deposits$735K Purchase of federalreserve and federal home...$492K (290.48%↑ Y/Y)Purchase of premises,equipment$366K (-74.78%↓ Y/Y)Proceeds from sale offoreclosed assets-$27K (-370.00%↓ Y/Y)