Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $8.78M | $11.1M | $11.6M | $12.0M | $14.9M | $18.3M | $12.5M | $12.1M | $11.5M | $14.0M |
| EPS (diluted) | $1.38 | $1.74 | $1.51 | $1.51 | $1.96 | $2.56 | $1.77 | $1.75 | $1.72 | $2.19 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $14.0M | $9.80M | $13.8M | $18.8M | $23.9M | $17.3M | $25.6M | $14.0M | $9.45M | $24.0M |
| Capital expenditures | $1.64M | $3.71M | $2.00M | $2.04M | $1.98M | $2.43M | $1.90M | $958K | $1.23M | $2.60M |
| Free cash flow | $12.4M | $6.09M | $11.9M | $16.8M | $21.9M | $14.8M | $23.7M | $13.0M | $8.22M | $21.4M |
| Share buybacks | $1.17M | $1.78M | $109K | $5.05M | $7.17M | $9.52M | $5.90M | $3.47M | $4.77M | $5.69M |
| Dividends paid | $1.18M | $1.36M | $2.09M | $2.33M | $3.07M | $3.14M | $3.42M | $3.58M | $3.77M | $3.85M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $17.0M | $26.6M | $48.4M | $27.1M | $141M | $150M | $27.8M | $23.0M | $25.9M | $71.5M |
| Total assets | $816M | $877M | $987M | $1.04B | $1.26B | $1.33B | $1.34B | $1.34B | $1.38B | $1.55B |
| Total liabilities | $729M | $783M | $856M | $902M | $1.11B | $1.19B | $1.22B | $1.22B | $1.25B | $1.40B |
| Long-term debt | — | — | — | — | — | $19.5M | $19.6M | $19.6M | $19.7M | — |
| Shareholders' equity | $86.5M | $94.0M | $130M | $136M | $143M | $145M | $118M | $124M | $128M | $141M |
| Retained earnings | $46.7M | $55.4M | $64.0M | $72.7M | $84.6M | $99.7M | $102M | $108M | $116M | $126M |
| Shares (wtd avg diluted) | 6.38B | 6.35M | 7.72B | 7.93M | 7.63M | 7.13M | 7.08M | 6.92M | 6.68M | 6.39M |
Every figure is extracted from SB FINANCIAL GROUP, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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