8-K Announcements
6Material company update
Apr 28, 2026·SEC
Material company update
Feb 13, 2026·SEC
Material company update
Jan 28, 2026·SEC
Sound Financial Bancorp, Inc.(SFBC)Earnings, Financials & Key Ratios
SFBC•NASDAQ•Banking & Credit
$44.32
15.9× P/E·Price updated Jun 27, 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%
SFBC Price & Volume
Sound Financial Bancorp, Inc. (SFBC) stock price & volume — 10-year historical chart
Loading chart...
Niche Portfolio Stability Offsets Margin Compression
Investment Thesis • Updated 2025Q4
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Niche collateral valuation sensitivity
Key Thesis Takeaways
- Sound Financial Bancorp maintains a conservative growth trajectory with total assets holding steady at $1.1 billion, supported by a fortress-like equity-to-assets ratio of 0.10.
- While the bank demonstrates consistent dividend payouts of approximately $485,000 to $489,000 per quarter, investors should monitor the persistent net interest margin stagnation at 0.8% and the inherent volatility in credit provisioning.
- The bank's reliance on specialized manufactured housing and floating home collateral warrants caution, as these niche assets may introduce liquidity sensitivities not fully captured by traditional credit metrics.
Verdict Logic
while the bank maintains a solid equity-to-assets ratio of 0.10, the stagnant 0.8% NIM and inconsistent operating cash flow suggest limited near-term catalysts for significant valuation expansion.
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, 2026Metric
Actual
Est
EPS
$0.61
—
Rev
$15M
—
Q2 2026
Mar 18, 2026Metric
Actual
Est
EPS
$0.87
—
Rev
$15M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.87
—
Rev
$15M
—
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.66
—
Rev
$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 →
Peers Comparison
Key metrics vs top competitors for Sound Financial Bancorp, Inc. (SFBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $44.32 | $113.82M | 15.94 | -0.71% | 11.62% | 6.72% | 1.71% | |
| $29.52 | $1B | 15.06 | 5.92% | 20.5% | 7.58% | — | |
| $20.36 | $367.56M | 13.76 | 1.12% | 14.19% | 8.48% | — | |
| $48.66 | $463.21M | 10.81 | -3.87% | 31.77% | 18.18% | — | |
| $23.54 | $227.02M | 16.12 | -9.41% | 16.49% | 8% | — | |
| $15.14 | $2.22B | 16.46 | 16.3% | 14.75% | 7.3% | — |
Compare SFBC vs Peers
Sound Financial Bancorp, Inc. (SFBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SFBC SEC Filings & Documents
Sound Financial Bancorp, Inc. (SFBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when SFBC posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
SFBC Frequently Asked Questions
Sound Financial Bancorp, Inc. (SFBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Sound Financial Bancorp, Inc. growing?
Sound Financial Bancorp, Inc. (SFBC) saw revenue decline by 0.7% over the past year.
Is SFBC profitable?
Yes, Sound Financial Bancorp, Inc. (SFBC) is profitable, generating $7.2M in net income for fiscal year 2025 (11.6% net margin).
Dividend & Returns
Does SFBC pay dividends?
Yes, Sound Financial Bancorp, Inc. (SFBC) pays a dividend with a yield of 1.71%. This makes it attractive for income-focused investors.
What is SFBC's return on equity?
Sound Financial Bancorp, Inc. (SFBC) has a return on equity (ROE) of 6.7%. This is below average, suggesting room for improvement.
Industry Metrics
What is Sound Financial Bancorp, Inc.'s net interest margin?
Sound Financial Bancorp, Inc. (SFBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Sound Financial Bancorp, Inc.'s efficiency ratio?
Sound Financial Bancorp, Inc. (SFBC) has an efficiency ratio of 49.0%. This is excellent, indicating strong cost control.