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SB Financial Group SBFG Initial Allowance For Credit Losses On Acquired PCD Loans

Initial Allowance For Credit Losses On Acquired PCD Loans at other companies

Popular logo
PopularBPOP
$7K-22.2%
PRA Group logo
PRA GroupPRAA
$1.25B-16.0%
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$800.5K
Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
$26.25K
Jackson Financial logo
Jackson FinancialJXN
$0
PRA Group logo
PRA GroupPRAA
$220.85M-24.3%

Other financials

Income statement

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Revenue$17.4M+13.2%
Net income$4.3M+99.1%
EPS (diluted)$0.69+109%

Balance sheet

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Cash & equivalents$126.3M+20.1%
Total debt$24.7M-26.9%
Total equity$143.7M+9.2%
Total assets$1.6B+6.9%

Cash flow

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Operating cash flow-$3.0M-145%
CapEx$229.0K-75.2%
Free cash flow-$3.2M-156%

Valuation

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Market cap$158.57M+34.4%
Enterprise value$57.02M-25.9%
P/E9.8×0.0×
P/S2.4×+0.5×

Profitability

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Net margin23.8%+4.8pp
FCF margin23.4%-8.1pp

Returns & leverage

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Return on equity11.7%+2.9pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by SB Financial Group in its filing.

Tagged under the XBRL concept sbfg:InitialAllowanceForCreditLossesOnAcquiredPCDLoans.

The official record: SB Financial Group’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SB Financial Group's initial allowance for credit losses on acquired PCD loans?
SB Financial Group (SBFG) reported initial allowance for credit losses on acquired PCD loans of $5K in Q1 2025.
What does initial allowance for credit losses on acquired PCD loans mean?
This represents the initial allowance for credit losses established at the acquisition date for loans classified as Purchased Credit Deteriorated (PCD). It reflects the estimated credit losses expected to be incurred over the life of these specific acquired assets at the time of purchase. This metric is critical for understanding the credit quality of acquired loan portfolios and the impact of acquisition accounting on the allowance for credit losses.