Q4 2025 results call transcript furnished by SB Financial (NASDAQ: SBFG)

Rhea-AI Filing Summary

SB Financial Group, Inc. filed an 8-K to furnish the transcript of its conference call and webcast discussing financial results for the fourth quarter ending December 31, 2025. The call was held on January 30, 2026, and the transcript is included as Exhibit 99.1.

The company states that this information is being furnished, not filed, under the Exchange Act, which affects how it is treated for liability and incorporation by reference. SB Financial also notes that 6,227,310 common shares were outstanding as of February 2, 2026.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) February 2, 2026 (January 30, 2026)

SB FINANCIAL GROUP, INC

(Exact name of registrant as specified in its charter)

Ohio		001-36785		34-1395608
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

401 Clinton Street, Defiance, OH		43512
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (419) 783-8950

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 1 4a- 12 under the Exchange Act (17 CFR 240.1 4a- 12)

☐ Pre-commencement communications pursuant to Rule 1 4d-2(b) under the Exchange Act (17 CFR 240.1 4d-2(b))

☐ Pre-commencement communications pursuant to Rule 1 3e-4(c) under the Exchange Act (17 CFR 240.1 3e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Shares, No Par Value 6,227,310 Outstanding at February 2, 2026		SBFG		The NASDAQ Stock Market, LLC (NASDAQ Capital Market)

Item 2.02. Results of Operations and Financial Condition.

On January 30, 2026, SB Financial Group, Inc. (the “Company”) hosted a conference call and webcast to discuss its financial results for the fourth quarter ending December 31, 2025. A copy of the transcript for the conference call and webcast is furnished as Exhibit 99.1 and is incorporated herein by reference.

The information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as otherwise stated in such filing.

Item 9.01. Financial Statements and Exhibits.

(a) Not Applicable

(b) Not Applicable

(c) Not Applicable

(d) Exhibits

Exhibit No.		Description
99.1		Transcript of conference call and webcast conducted on December 31, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	SB FINANCIAL GROUP, INC.
Dated: February 2, 2026	By:	/s/ Anthony V. Cosentino
		Anthony V. Cosentino
		Chief Financial Officer

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INDEX TO EXHIBITS

Current Report on Form 8-K

Dated February 2, 2026

SB Financial Group, Inc.

Exhibit No.		Description
99.1		Transcript of conference call and webcast conducted on December 31, 2025.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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FAQ

What did SB Financial Group (SBFG) report in this 8-K filing?

The 8-K from SB Financial Group furnishes the transcript of its conference call and webcast discussing financial results for the fourth quarter ending December 31, 2025. The transcript is attached as Exhibit 99.1 rather than presented directly in the body.

What is Exhibit 99.1 in SB Financial Group (SBFG)'s latest 8-K?

Exhibit 99.1 is the transcript of SB Financial Group’s conference call and webcast that discussed financial results for the quarter ending December 31, 2025. The exhibit provides the full text of management’s prepared remarks and discussion.

How does SB Financial Group classify the information in this 8-K?

SB Financial Group specifies that the Item 2.02 information, including Exhibit 99.1, is being furnished and not filed under the Exchange Act. This distinction means it is not automatically subject to Section 18 liability or incorporated into other SEC filings.

Which period’s results are discussed in SB Financial Group (SBFG)'s conference call transcript?

The conference call transcript furnished as Exhibit 99.1 discusses financial results for the fourth quarter ending December 31, 2025. The call itself took place on January 30, 2026, to review that quarter’s performance with analysts and investors.

How many SB Financial Group (SBFG) common shares were outstanding as of February 2, 2026?

SB Financial Group reports that there were 6,227,310 common shares outstanding as of February 2, 2026. This figure helps investors understand the company’s equity base and is relevant when evaluating per-share metrics derived from future disclosures.

Does SB Financial Group’s 8-K include financial statements?

This 8-K does not present financial statements directly; instead, it furnishes the transcript of a conference call and webcast about results for the quarter ending December 31, 2025. Formal financial statements would typically appear in separate periodic reports.