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Sound Financial Bancorp, Inc.(SFBC)Earnings, Financials & Key Ratios
SFBC•NASDAQ•Banking & Credit
15.0× P/E·Price updated May 30, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutSound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates eight branch offices, including four branches in Seattle Metropolitan Statistical Area, three branches in Clallam County, and one branch in Jefferson County; and a loan production office in the Madison Park neighborhood of Seattle. The company was founded in 1953 and is headquartered in Seattle, Washington.Show more
- Net Interest Income$35M+12.7%
- Total Revenue$62M-0.7%
- Net Income$7M+54.3%
- Return on Equity6.72%+47.9%
- Net Interest Margin3.2%+2.5%
- Efficiency Ratio49%+0.8%
- ROA0.69%+47.1%
- Equity / Assets10.02%-4.0%
- Book Value per Share42.48+5.2%
- Tangible BV/Share40.86+6.0%
- Debt/Equity0.20-50.1%
SFBC Key Insights
Sound Financial Bancorp, Inc. (SFBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 49.0% efficiency ratio
- ✓Well capitalized: 10.0% equity/assets
- ✓Trading at only 1.0x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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SFBC Price & Volume
Sound Financial Bancorp, Inc. (SFBC) stock price & volume — 10-year historical chart
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SFBC Growth Metrics
Sound Financial Bancorp, Inc. (SFBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.44%
5 Years7.78%
3 Years11.56%
TTM-
Profit CAGR
10 Years4.1%
5 Years-4.34%
3 Years-6.67%
TTM54.31%
EPS CAGR
10 Years4.1%
5 Years-4.23%
3 Years-6.21%
TTM53.89%
Return on Capital
10 Years7.11%
5 Years6.92%
3 Years5.33%
Last Year5.83%
SFBC Recent Earnings
Sound Financial Bancorp, Inc. (SFBC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 28, 2026EPS
$0.61
Revenue
$15M
Q2 2026
Mar 18, 2026EPS
$0.87
Revenue
$15M
Q1 2026
Jan 27, 2026EPS
$0.87
Revenue
$15M
Q4 2025
Oct 28, 2025EPS
$0.66
Revenue
$16M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.61 | $15M |
| Q2 2026 | Mar 18, 2026 | $0.87 | $15M |
| Q1 2026 | Jan 27, 2026 | $0.87 | $15M |
| Q4 2025 | Oct 28, 2025 | $0.66 | $16M |
Based on last 12 quarters of dataView full earnings history →
SFBC Peer Comparison
Sound Financial Bancorp, Inc. (SFBC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HFWA | 926.43M | 27.25 | 13.90 | 5.92% | 7.51% | 0.05 | ||
 WSBF | 339.84M | 18.51 | 12.51 | 1.12% | 7.67% | 1.18 | ||
 BSVN | 418.82M | 44.26 | 9.84 | -3.87% | 18.21% | |||
 CZWI | 196.42M | 20.40 | 13.97 | -9.41% | 7.81% | 0.28 | ||
 NWBI | 2.07B | 14.15 | 15.38 | 16.3% | 7.18% | 0.24 | ||
 BANR | 2.2B | 65.00 | 11.52 | -0.95% | 10.34% | 0.19 | ||
 COLB | 7.05B | 29.64 | 12.89 | 8.35% | 8.39% | 0.51 | ||
 WAFD | 2.72B | 35.56 | 13.52 | -1.58% | 8.02% | 0.60 |
Compare SFBC vs Peers
Sound Financial Bancorp, Inc. (SFBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SFBC Income Statement
Sound Financial Bancorp, Inc. (SFBC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 24.08M | 27.81M | 26.96M | 27.49M | 29.92M | 35.3M | 33.85M | 31M | 34.93M |
NII Growth % | 8.81% | 15.47% | -3.03% | 1.94% | 8.86% | 17.96% | -4.09% | -8.41% | 12.66% |
Net Interest Margin % | 3.73% | 3.88% | 3.75% | 3.19% | 3.25% | 3.61% | 3.4% | 3.12% | 3.2% |
Interest Income | 27.45M | 32.95M | 34.58M | 34.94M | 33.87M | 39.8M | 50.61M | 57.37M | 57.56M |
Interest Expense | 3.37M | 5.36M | 7.62M | 7.45M | 3.95M | 4.5M | 16.76M | 26.37M | 22.63M |
Loan Loss Provision | 500K | 525K | -125K | 925K | 425K | 1.16M | -273K | -120K | 127K |
Non-Interest Income | 3.75M | 4.42M | 3.99M | 7.44M | 7.34M | 4.58M | 4.99M | 4.69M | 4.06M |
Non-Interest Income % | 12.02% | 11.83% | 10.35% | 17.56% | 17.82% | 10.33% | 8.98% | 7.55% | 6.6% |
Total Revenue | 31.2M▲ 0% | 37.37M▲ 19.8% | 38.57M▲ 3.2% | 42.38M▲ 9.9% | 41.22M▼ 2.7% | 44.38M▲ 7.7% | 55.6M▲ 25.3% | 62.06M▲ 11.6% | 61.62M▼ 0.7% |
Revenue Growth % | 3.44% | 19.77% | 3.22% | 9.86% | -2.73% | 7.66% | 25.29% | 11.61% | -0.71% |
Non-Interest Expense | 19.14M | 22.74M | 22.75M | 22.67M | 25.41M | 27.84M | 30.12M | 30.16M | 30.19M |
Efficiency Ratio | 61.34% | 60.85% | 58.98% | 53.5% | 61.65% | 62.75% | 54.16% | 48.6% | 49% |
Operating Income | 8.19M▲ 0% | 8.74M▲ 6.7% | 8.33M▼ 4.7% | 11.33M▲ 36.0% | 11.43M▲ 0.9% | 10.88M▼ 4.8% | 9M▼ 17.2% | 5.65M▼ 37.3% | 8.67M▲ 53.6% |
Operating Margin % | 26.26% | 23.4% | 21.6% | 26.73% | 27.73% | 24.51% | 16.19% | 9.1% | 14.07% |
Operating Income Growth % | 1.49% | 6.74% | -4.75% | 35.99% | 0.88% | -4.83% | -17.25% | -37.27% | 53.6% |
Pretax Income | 8.19M▲ 0% | 8.74M▲ 6.7% | 8.33M▼ 4.7% | 11.33M▲ 36.0% | 11.43M▲ 0.9% | 10.88M▼ 4.8% | 9M▼ 17.2% | 5.65M▼ 37.3% | 8.67M▲ 53.6% |
Pretax Margin % | 26.26% | 23.4% | 21.6% | 26.73% | 27.73% | 24.51% | 16.19% | 9.1% | 14.07% |
Income Tax | 3.07M | 1.71M | 1.65M | 2.39M | 2.27M | 2.07M | 1.56M | 1.01M | 1.51M |
Effective Tax Rate % | 37.45% | 19.51% | 19.82% | 21.11% | 19.88% | 19.05% | 17.34% | 17.82% | 17.46% |
Net Income | 5.13M▲ 0% | 7.04M▲ 37.3% | 6.68M▼ 5.1% | 8.94M▲ 33.8% | 9.16M▲ 2.5% | 8.8M▼ 3.8% | 7.44M▼ 15.5% | 4.64M▼ 37.6% | 7.16M▲ 54.3% |
Net Margin % | 16.43% | 18.84% | 17.32% | 21.09% | 22.21% | 19.84% | 13.38% | 7.48% | 11.62% |
Net Income Growth % | -4.7% | 37.35% | -5.11% | 33.81% | 2.45% | -3.84% | -15.5% | -37.63% | 54.27% |
Net Income (Continuing) | 5.13M | 7.04M | 6.68M | 8.94M | 9.16M | 8.8M | 7.44M | 4.64M | 7.16M |
EPS (Diluted) | 2.00▲ 0% | 2.74▲ 37.0% | 2.59▼ 5.5% | 3.45▲ 33.2% | 3.49▲ 1.2% | 3.37▼ 3.4% | 2.86▼ 15.1% | 1.80▼ 37.1% | 2.78▲ 54.4% |
EPS Growth % | -4.31% | 37% | -5.47% | 33.2% | 1.16% | -3.44% | -15.13% | -37.06% | 54.44% |
EPS (Basic) | 2.05 | 2.82 | 2.64 | 3.49 | 3.50 | 3.41 | 2.89 | 1.81 | 2.80 |
Diluted Shares Outstanding | 2.57M | 2.57M | 2.58M | 2.59M | 2.63M | 2.58M | 2.38M | 2.57M | 2.58M |
SFBC Balance Sheet
Sound Financial Bancorp, Inc. (SFBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 66.11M | 66.77M | 65.08M | 204.05M | 192.01M | 68.04M | 57.98M | 51.43M | 140.82M |
Cash & Due from Banks | 60.68M | 61.81M | 55.77M | 193.83M | 183.59M | 57.84M | 49.69M | 43.64M | 138.45M |
Short Term Investments | 5.43M | 4.96M | 9.31M | 10.22M | 8.42M | 10.21M | 8.29M | 7.79M | 2.37M |
Total Investments | 550.57M | 619.9M | 624.62M | 629.18M | 691.61M | 870.79M | 896.77M | 902.08M | 907.06M |
Investments Growth % | 9.53% | 12.59% | 0.76% | 0.73% | 9.92% | 25.91% | 2.98% | 0.59% | 0.55% |
Long-Term Investments | 545.13M | 614.94M | 615.31M | 618.97M | 683.19M | 860.58M | 888.49M | 894.29M | 904.69M |
Accounts Receivables | 1.98M | 2.29M | 2.21M | 2.25M | 2.22M | 3.08M | 3.45M | 3.47M | 3.77M |
Goodwill & Intangibles | 3.43M | 3.41M | 3.24M | 3.78M | 4.27M | 4.69M | 4.63M | 4.77M | 4.18M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 3.43M | 3.41M | 3.24M | 3.78M | 4.27M | 4.69M | 4.63M | 4.77M | 4.18M |
PP&E (Net) | 7.39M | 7.04M | 14.41M | 12.99M | 11.63M | 10.62M | 9.74M | 8.42M | 7.66M |
Other Assets | 21.2M | 22.28M | 19.61M | 19.36M | 26.38M | 29.34M | 30.94M | 31.25M | 31.04M |
Total Current Assets | 68.09M | 69.05M | 67.28M | 206.3M | 194.23M | 71.13M | 61.43M | 54.9M | 144.59M |
Total Non-Current Assets | 577.15M | 647.68M | 652.57M | 655.1M | 725.47M | 905.23M | 933.79M | 938.73M | 947.58M |
Total Assets | 645.24M▲ 0% | 716.74M▲ 11.1% | 719.85M▲ 0.4% | 861.4M▲ 19.7% | 919.69M▲ 6.8% | 976.35M▲ 6.2% | 995.22M▲ 1.9% | 993.63M▼ 0.2% | 1.09B▲ 9.9% |
Asset Growth % | 9.66% | 11.08% | 0.43% | 19.66% | 6.77% | 6.16% | 1.93% | -0.16% | 9.92% |
Return on Assets (ROA) | 0.83% | 1.03% | 0.93% | 1.13% | 1.03% | 0.93% | 0.75% | 0.47% | 0.69% |
Accounts Payable | 77K | 137K | 226K | 369K | 200K | 395K | 817K | 765K | 674K |
Total Debt | 59M | 84M | 15.51M | 18.73M | 17.88M | 60.12M | 56.54M | 40.77M | 21.47M |
Net Debt | -1.68M | 22.19M | -40.26M | -175.1M | -165.71M | 2.29M | 6.85M | -2.87M | -116.98M |
Long-Term Debt | 59M | 84M | 7.5M | 11.59M | 11.63M | 11.68M | 36.72M | 36.76M | 17.8M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 43M | 15M | 0 | 0 |
Other Liabilities | 6.61M | 7.37M | 9.67M | 8.84M | 9.94M | 9.36M | 10.67M | 10.63M | 11.75M |
Total Current Liabilities | 514.48M | 553.74M | 616.94M | 748.35M | 798.52M | 852.16M | 842.36M | 838.56M | 949.55M |
Total Non-Current Liabilities | 65.61M | 91.37M | 25.18M | 27.57M | 27.81M | 26.49M | 52.21M | 51.4M | 33.23M |
Total Liabilities | 580.08M | 645.11M | 642.13M | 775.92M | 826.33M | 878.65M | 894.57M | 889.97M | 982.77M |
Total Equity | 65.16M▲ 0% | 71.63M▲ 9.9% | 77.73M▲ 8.5% | 85.48M▲ 10.0% | 93.36M▲ 9.2% | 97.7M▲ 4.7% | 100.65M▲ 3.0% | 103.67M▲ 3.0% | 109.4M▲ 5.5% |
Equity Growth % | 8.1% | 9.92% | 8.51% | 9.98% | 9.21% | 4.66% | 3.02% | 2.99% | 5.53% |
Equity / Assets (Capital Ratio) | 10.1% | 9.99% | 10.8% | 9.92% | 10.15% | 10.01% | 10.11% | 10.43% | 10.02% |
Return on Equity (ROE) | 8.17% | 10.29% | 8.94% | 10.95% | 10.24% | 9.22% | 7.5% | 4.54% | 6.72% |
Book Value per Share | 25.37 | 27.90 | 30.09 | 32.97 | 35.54 | 37.82 | 42.30 | 40.40 | 42.48 |
Tangible BV per Share | 24.04 | 26.57 | 28.83 | 31.52 | 33.92 | 36.00 | 40.35 | 38.54 | 40.86 |
Common Stock | 25K | 25K | 25K | 25K | 26K | 26K | 25K | 25K | 25K |
Additional Paid-in Capital | 24.99M | 25.66M | 26.34M | 27.11M | 27.96M | 28M | 27.99M | 28.41M | 28.74M |
Retained Earnings | 40.49M | 46.16M | 51.41M | 58.23M | 65.24M | 70.79M | 73.63M | 76.27M | 81.48M |
Accumulated OCI | 109K | 114K | 175K | 240K | 139K | -1.12M | -988K | -1.04M | -846K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SFBC Cash Flow Statement
Sound Financial Bancorp, Inc. (SFBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 6.82M | 10.32M | 11.06M | -484K | 19.07M | 10.05M | 6.89M | 2.93M | 7.16M |
Operating CF Growth % | -4.53% | 51.3% | 7.15% | -104.37% | 4040.7% | -47.29% | -31.51% | -57.42% | 144.24% |
Net Income | 5.13M | 7.04M | 6.68M | 8.94M | 9.16M | 8.8M | 7.44M | 4.64M | 7.16M |
Depreciation & Amortization | 943K | 989K | 1.52M | 1.82M | 1.59M | 1.6M | 1.65M | 1.58M | 1.1M |
Deferred Taxes | 103K | 123K | 349K | 218K | 155K | -469K | -403K | -123K | 70K |
Other Non-Cash Items | -506K | 937K | -631K | -11.22M | 8.14M | 1.96M | -1.91M | -1.62M | -1.7M |
Working Capital Changes | 636K | 964K | 2.88M | -580K | -329K | -2.31M | -346K | -1.94M | 230K |
Cash from Investing | -36.11M | -71.5M | -5.79M | 4.5M | -78.11M | -183.79M | -26.32M | -3.94M | -2.5M |
Purchase of Investments | 0 | 0 | -5.17M | -8.89M | -1.95M | -6.61M | 0 | 0 | 0 |
Sale/Maturity of Investments | 1.21M | 416K | 845K | 7.91M | 3.53M | 999K | 2.08M | 420K | 238K |
Net Investment Activity | 1.21M | 416K | -4.32M | -980K | 1.58M | -5.61M | 2.08M | 420K | 238K |
Acquisitions | 13.67M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -48.52M | -71.27M | -811K | 5.88M | -79.46M | -177.78M | -27.96M | -4.29M | -2.74M |
Cash from Financing | 35.39M | 62.3M | -11.32M | 134.05M | 48.8M | 47.98M | 11.29M | -5.04M | 90.15M |
Dividends Paid | -1.5M | -1.37M | -1.43M | -2.07M | -2.04M | -2.03M | -1.91M | -1.95M | -1.95M |
Share Repurchases | 0 | 0 | 0 | -73K | -152K | -1.87M | -2.4M | -283K | -130K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 151K |
Net Stock Activity | 0 | 0 | 0 | -73K | -152K | -1.87M | -2.4M | -283K | 21K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 0 | 1000K | -1000K | -1000K | -1000K |
Other Financing | 32.91M | 38.67M | 66.62M | 131.83M | 50.99M | 8.88M | 18.61M | 12.2M | 110.95M |
Net Change in Cash | 6.1M▲ 0% | 1.13M▼ 81.5% | -6.04M▼ 634.5% | 138.06M▲ 2385.7% | -10.24M▼ 107.4% | -125.75M▼ 1128.3% | -8.15M▲ 93.5% | -6.05M▲ 25.7% | 94.81M▲ 1667.4% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 54.58M | 60.68M | 61.81M | 55.77M | 193.83M | 183.59M | 57.84M | 49.69M | 43.64M |
Cash at End | 60.68M | 61.81M | 55.77M | 193.83M | 183.59M | 57.84M | 49.69M | 43.64M | 138.45M |
Interest Paid | 3.36M | 5.3M | 7.53M | 7.31M | 4.12M | 4.3M | 16.34M | 26.42M | 22.72M |
Income Taxes Paid | 2.46M | 2.67M | 915K | 1.96M | 2.9M | 2.01M | 2.4M | 831K | 1.93M |
Free Cash Flow | 4.35M▲ 0% | 9.68M▲ 122.6% | 10.41M▲ 7.5% | -891K▼ 108.6% | 18.85M▲ 2215.4% | 9.66M▼ 48.8% | 6.44M▼ 33.3% | 2.86M▼ 55.7% | 6.99M▲ 144.8% |
FCF Growth % | -29.16% | 122.62% | 7.49% | -108.56% | 2215.38% | -48.77% | -33.28% | -55.67% | 144.78% |
SFBC Banking Ratios
Sound Financial Bancorp, Inc. (SFBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.37% | 8.17% | 10.29% | 8.94% | 10.95% | 10.24% | 9.22% | 7.5% | 4.54% | 6.72% |
| Return on Assets (ROA) | 0.95% | 0.83% | 1.03% | 0.93% | 1.13% | 1.03% | 0.93% | 0.75% | 0.47% | 0.69% |
| Net Interest Margin | 3.76% | 3.73% | 3.88% | 3.75% | 3.19% | 3.25% | 3.61% | 3.4% | 3.12% | 3.2% |
| Efficiency Ratio | 62.05% | 61.34% | 60.85% | 58.98% | 53.5% | 61.65% | 62.75% | 54.16% | 48.6% | 49% |
| Equity / Assets | 10.24% | 10.1% | 9.99% | 10.8% | 9.92% | 10.15% | 10.01% | 10.11% | 10.43% | 10.02% |
| Book Value / Share | 23.48 | 25.37 | 27.9 | 30.09 | 32.97 | 35.54 | 37.82 | 42.3 | 40.4 | 42.48 |
| NII Growth | 12.33% | 8.81% | 15.47% | -3.03% | 1.94% | 8.86% | 17.96% | -4.09% | -8.41% | 12.66% |
| Dividend Payout | 13.85% | 29.37% | 19.42% | 21.47% | 23.18% | 22.27% | 23.07% | 25.72% | 41.98% | 27.2% |
Related:SFBC Dividend History·SFBC Revenue History·SFBC Price History·SFBC P/E History·SFBC Financial Ratios·SFBC Institutional Holders
SFBC SEC Filings & Documents
Sound Financial Bancorp, Inc. (SFBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
SFBC Frequently Asked Questions
Sound Financial Bancorp, Inc. (SFBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Sound Financial Bancorp, Inc. (SFBC) saw revenue decline by 0.7% over the past year.
Yes, Sound Financial Bancorp, Inc. (SFBC) is profitable, generating $7.2M in net income for fiscal year 2025 (11.6% net margin).
Dividend & Returns
Yes, Sound Financial Bancorp, Inc. (SFBC) pays a dividend with a yield of 1.81%. This makes it attractive for income-focused investors.
Sound Financial Bancorp, Inc. (SFBC) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Industry Metrics
Sound Financial Bancorp, Inc. (SFBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Sound Financial Bancorp, Inc. (SFBC) has an efficiency ratio of 49.0%. This is excellent, indicating strong cost control.