SB Financial profit margin SBFG
Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.
- Net margin, 12 months
- 24.5%
- Net margin on a year earlier
- +5.3 pts
- Peer median
- 19.2%
Over the twelve months to Jun 30, 2026, SB Financial kept 24.5% of its revenue as net profit.
The median for 10 regional banks of a similar size is 19.2%.
Profit margin over time
Net
Fiscal year by fiscal year
| Fiscal year | Net margin |
|---|---|
| FY2025 | 21.3% |
| FY2024 | 20.1% |
| FY2023 | 21.2% |
| FY2022 | n/a |
| FY2021 | n/a |
| FY2020 | n/a |
| FY2019 | 22.7% |
| FY2018 | 23.3% |
| FY2017 | 24.3% |
| FY2016 | 20.1% |
| FY2015 | 19.5% |
| FY2014 | 15.6% |
| FY2013 | 14.9% |
| FY2012 | 13.5% |
| FY2011 | 4.8% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year |
|---|---|---|---|
| Q2 FY26 | 24.5% | +5.3 pts | |
| Q1 FY26 | 23.8% | +4.8 pts | |
| Q4 FY25 | 21.3% | +1.2 pts | |
| Q3 FY25 | 21.2% | +0.5 pts | |
| Q2 FY25 | 19.3% | −2.3 pts | |
| Q1 FY25 | 19.0% | −2.4 pts | |
| Q4 FY24 | 20.1% | −1.1 pts | |
| Q3 FY24 | 20.7% | −0.1 pts | |
| Q2 FY24 | 21.5% | −0.1 pts | |
| Q1 FY24 | 21.4% | +0.2 pts | |
| Q4 FY23 | 21.2% | n/a | |
| Q3 FY23 | 20.8% | n/a |
Against its peers
Companies in Banks - Regional nearest SB Financial's size, closest first, today.
| Company | Profit margin |
|---|---|
| SBFGSB Financial | 24.5% |
| ECBKECB Bancorp | 29.4% |
| FNWDFinward Bancorp | 14.2% |
| BVFLBV Financial | 32.5% |
| CBFVCB Financial Services | 14.9% |
| RBKBRhinebeck Bancorp | 18.4% |
| MNSBMainStreet Bancshares | 23.7% |
| CZWICitizens Community Bancorp | 19.9% |
| EBMTEagle Bancorp Montana | 16.8% |
| FCAPFirst Capital | 33.8% |
| HNVRHanover Bancorp | 12.6% |
| Peer median | 19.2% |
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on SB Financial
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.