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SB Financial Group SBFG Provision For Unfunded Commitments

Provision For Unfunded Commitments at other companies

Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$226K-205%
MetroCity Bankshares logo
MetroCity BanksharesMCBS
$56K-52.5%
CVB Financial logo
CVB FinancialCVBF
$500K0.0%
ChoiceOne Financial logo
ChoiceOne FinancialCOFS
$0
Capital Bancorp logo
Capital BancorpCBNK
$205K
Great Southern Bancorp logo
Great Southern BancorpGSBC
-$931K-168%

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: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 provision for unfunded commitments?
SB Financial Group (SBFG) reported provision for unfunded commitments of $86K in Q1 2026.
How has SB Financial Group's provision for unfunded commitments changed year-over-year?
SB Financial Group's provision for unfunded commitments increased by 761.5% year-over-year, from -$13K to $86K.
What does provision for unfunded commitments mean?
This represents the expense recognized to cover potential credit losses associated with off-balance sheet items, such as unused lines of credit or letters of credit. It reflects management's assessment of the risk inherent in the bank's commitment to provide future funding to borrowers.