Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Sound Financial Bancorp, Inc.'s quarterly P/E stands at 12.5x, down 29.5% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.01 | 12.54 | 17.45 | 14.56 | 27.86 | 17.79 | 29.72 | 34.68 | 33.91 | 20.74 | 20.54 | 8.00 | 11.15 |
| — | -29.5% | -41.3% | -58.0% | -17.8% | -14.3% | +44.7% | +333.7% | +204.2% | +136.7% | +96.7% | -48.6% | -23.9% | |
| P/S Ratio | 1.74 | 1.84 | 1.91 | 1.85 | 2.18 | 2.12 | 2.14 | 1.81 | 1.75 | 1.73 | 1.73 | 1.60 | 1.85 |
| — | -13.4% | -10.7% | +2.3% | +24.7% | +22.6% | +23.8% | +13.0% | -5.1% | -12.8% | -22.6% | -35.5% | -28.6% | |
| P/B Ratio | 0.98 | 1.03 | 1.10 | 1.12 | 1.24 | 1.30 | 1.34 | 1.09 | 1.03 | 0.99 | 0.95 | 0.92 | 0.98 |
| — | -21.3% | -17.9% | +3.0% | +20.2% | +31.5% | +41.7% | +17.9% | +5.4% | -5.1% | -14.4% | -13.7% | -8.8% | |
| P/FCF | 15.33 | 14.74 | 7.68 | — | 17.82 | 266.29 | 10.63 | — | 13.72 | 13.12 | 8.20 | — | 12.50 |
| — | -94.5% | -27.7% | — | +29.9% | +1929.8% | +29.6% | — | +9.7% | +127.0% | — | — | +40.2% | |
| EV / EBITDA | -1.13 | -0.45 | 5.92 | 4.89 | 5.20 | 12.31 | 6.15 | 5.59 | 4.15 | 15.06 | 6.67 | 4.44 | 5.36 |
| — | -103.7% | -3.8% | -12.6% | +25.4% | -18.2% | -7.7% | +26.0% | -22.5% | +132.4% | +6.2% | -35.4% | +165.0% | |
| EV / EBIT | -1.13 | -0.45 | 6.96 | 5.61 | 6.59 | 14.33 | 7.80 | 7.89 | 5.99 | 19.72 | 8.53 | 4.96 | 6.17 |
| — | -103.1% | -10.8% | -28.8% | +9.9% | -27.3% | -8.5% | +59.1% | -2.9% | +161.6% | +20.3% | -39.9% | +168.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Sound Financial Bancorp, Inc.'s operating margin was 16.9% in Q4 2025, up 3.5 pp QoQ and up 2.4 pp YoY. The trailing four-quarter average of 14.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 6.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.1% | 62.5% | 62.9% | 63.6% | 63.3% | 59.0% | 56.6% | 57.3% | 57.8% | 60.1% | 66.6% | 76.8% | 78.5% |
| — | +6.0% | +11.0% | +11.0% | +9.5% | -1.9% | -15.0% | -25.4% | -26.3% | -27.1% | -23.5% | -12.9% | -15.1% | |
| Operating Margin | 14.1% | 16.9% | 13.5% | 15.8% | 9.9% | 14.5% | 8.8% | 6.5% | 6.3% | 9.4% | 10.6% | 24.1% | 20.8% |
| — | +16.6% | +52.3% | +145.6% | +56.8% | +54.5% | -16.9% | -73.3% | -69.8% | -65.2% | -60.9% | +19.3% | -7.2% | |
| Net Margin | 11.6% | 14.7% | 10.9% | 12.8% | 7.9% | 12.1% | 7.2% | 5.2% | 5.2% | 8.4% | 8.5% | 20.1% | 16.6% |
| — | +21.9% | +52.1% | +145.1% | +52.1% | +43.5% | -15.4% | -74.0% | -68.8% | -63.1% | -60.6% | +24.7% | -6.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 2.1% | 1.6% | 2.0% | 1.1% | 1.9% | 1.1% | 0.8% | 0.8% | 1.2% | 1.2% | 2.9% | 2.2% |
| — | +11.0% | +40.1% | +148.2% | +46.9% | +54.8% | -2.9% | -73.0% | -65.4% | -60.3% | -56.9% | +68.7% | +20.0% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.3% | 0.2% |
| — | +13.8% | +50.8% | +162.1% | +52.8% | +53.3% | -7.4% | -74.4% | -66.2% | -59.9% | -56.8% | +68.5% | +19.4% | |
| ROIC | 4.7% | 1.4% | 1.1% | 1.3% | 0.8% | 1.1% | 0.7% | 0.5% | 0.4% | 0.6% | 0.7% | 1.6% | 1.3% |
| — | +21.3% | +57.2% | +178.7% | +69.8% | +77.3% | +2.7% | -70.5% | -66.3% | -60.9% | -59.4% | +32.0% | -10.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Sound Financial Bancorp, Inc.'s Debt/EBITDA ratio is 8.3x, down from 16.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 132.6% YoY to 0.15x, strengthening the short-term liquidity position. Debt/Equity has declined for 11 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.20 | 0.20 | 0.38 | 0.39 | 0.39 | 0.39 | 0.55 | 0.55 | 0.56 | 0.56 | 0.57 | 0.77 | 0.53 |
| — | -50.1% | -30.6% | -30.1% | -30.3% | -30.0% | -3.6% | -28.2% | +5.3% | -8.7% | -13.1% | +50.5% | +178.4% | |
| Debt / EBITDA | 2.48 | 8.31 | 16.57 | 14.05 | 21.98 | 15.16 | 30.98 | 40.45 | 41.77 | 31.91 | 30.31 | 19.85 | 16.69 |
| — | -45.2% | -46.5% | -65.3% | -47.4% | -52.5% | +2.2% | +103.8% | +150.2% | +113.9% | +77.5% | +1.4% | +123.2% | |
| Current Ratio | 0.15 | 0.15 | 0.12 | 0.12 | 0.15 | 0.07 | 0.17 | 0.16 | 0.16 | 0.07 | 0.13 | 0.14 | 0.11 |
| — | +132.6% | -30.9% | -25.3% | -4.0% | -10.2% | +29.1% | +17.0% | +44.8% | -12.6% | +20.1% | +16.2% | -55.7% | |
| Quick Ratio | 0.15 | 0.15 | 0.12 | 0.12 | 0.15 | 0.07 | 0.17 | 0.16 | 0.16 | 0.07 | 0.13 | 0.14 | 0.11 |
| — | +132.6% | -30.9% | -25.3% | -4.0% | -10.2% | +29.1% | +17.0% | +44.8% | -12.6% | +20.1% | +16.2% | -55.7% | |
| Interest Coverage | 0.38 | 0.46 | 0.37 | 0.45 | 0.26 | 0.35 | 0.20 | 0.15 | 0.15 | 0.23 | 0.32 | 0.95 | 0.97 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Sound Financial Bancorp, Inc.'s current P/E is 15.0x. The average P/E over the last 4 quarters is 18.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Sound Financial Bancorp, Inc.'s current operating margin is 14.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Sound Financial Bancorp, Inc.'s business trajectory between earnings reports.