What is SB Financial Group's unfunded commitments?

SB Financial Group (SBFG) reported unfunded commitments of $86K in Q1 2026.

How has SB Financial Group's unfunded commitments changed year-over-year?

SB Financial Group's unfunded commitments increased by 761.5% year-over-year, from -$13K to $86K.

What does unfunded commitments mean?

An accounting charge representing the estimated losses associated with off-balance sheet credit exposures, such as unused lines of credit. It reflects management's assessment of potential future credit risk inherent in the bank's commitment portfolio.

SB Financial Group SBFG Unfunded commitments

Unfunded commitments at other companies

MetroCity BanksharesMCBS

$56K-52.5%

First Commonwealth FinancialFCF

$1.76M+99.9%

ACNBACNB

$1.82M-3.5%

Bar Harbor BanksharesBHB

-$226K-205%

SB Financial GroupSBFG

$86K+762%

SB Financial GroupSBFG

$86K+762%

Other financials

Income statement

See full

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

See full

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

See full

Net margin23.8%+4.8pp

FCF margin23.4%-8.1pp

Returns & leverage

See full

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:ProvisionForUnfundedCommitments.

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 unfunded commitments?: SB Financial Group (SBFG) reported unfunded commitments of $86K in Q1 2026.
How has SB Financial Group's unfunded commitments changed year-over-year?: SB Financial Group's unfunded commitments increased by 761.5% year-over-year, from -$13K to $86K.
What does unfunded commitments mean?: An accounting charge representing the estimated losses associated with off-balance sheet credit exposures, such as unused lines of credit. It reflects management's assessment of potential future credit risk inherent in the bank's commitment portfolio.