Sound Financial Bancorp, Inc. (SFBC) Revenue History
Annual and quarterly revenue from 2007 to present
SFBC Revenue Over Time (2007–2025)
SFBC Revenue Growth History
15 of 18 years with positive growth- FY2007 revenue growth
- N/A
- FY2008 revenue growth
- +13.8%
- FY2009 revenue growth
- +17.3%
- FY2010 revenue growth
- +2.5%
- FY2011 revenue growth
- -15.2%
- FY2012 revenue growth
- +12.2%
- FY2013 revenue growth
- +5.8%
- FY2014 revenue growth
- +8.6%
- FY2015 revenue growth
- +7.4%
- FY2016 revenue growth
- +10.1%
- FY2017 revenue growth
- +3.4%
- FY2018 revenue growth
- +19.8%
- FY2019 revenue growth
- +3.2%
- FY2020 revenue growth
- +9.9%
- FY2021 revenue growth
- -2.7%
- FY2022 revenue growth
- +7.7%
- FY2023 revenue growth
- +25.3%
- FY2024 revenue growth
- +11.6%
- FY2025 revenue growth
- -0.7%
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $15.3M | — |
| Q3 2025 | $15.5M | — |
| Q2 2025 | $16.0M | — |
| Q1 2025 | $14.8M | — |
| Q4 2024 | $15.9M | — |
| Q3 2024 | $16.1M | — |
| Q2 2024 | $15.2M | — |
| Q1 2024 | $14.8M | — |
Multi-year avg. share of annual revenue by fiscal quarter
Revenue Breakdown (FY 2025)
SFBC's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
SFBC Revenue Analysis (2007–2025)
Current Revenue & Growth
As of May 30, 2026, Sound Financial Bancorp, Inc. (SFBC) generated trailing twelve-month (TTM) revenue of $61.6 million, reflecting slight decline in growth of -4.1% year-over-year. The most recent quarter (Q4 2025) recorded $15.3 million in revenue, down 1.6% sequentially.
Historical Growth Trajectory
SFBC's 5-year compound annual growth rate (CAGR) stands at +7.8%, indicating steady revenue expansion. The 3-year CAGR of +11.6% exceeds the 5-year average, indicating an acceleration in the most recent period. Sound Financial Bancorp, Inc.'s highest annual revenue of $62.1 million was recorded in 2024.
Revenue by Segment
SFBC's revenue is primarily driven by Debit/ATM Interchange Fees (61%), Transaction-based and Overdraft Service Charges (18%), and Account Maintenance Fees (16%). With over half of revenue concentrated in Debit/ATM Interchange Fees, the company has a focused business model while developing other growth vectors.
Peer Comparison
Compared to Financial Services sector peers — including HFWA, WSBF, and BSVN. Compare SFBC vs HFWA →
SFBC Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
 SFBCCurrent | $62M | -4.1% | +7.8% | 14.1% | |
 HFWA | $336M | - | - | 23.2% | |
 WSBF | $202M | - | - | 16.6% | |
 BSVN | $137M | - | - | 41.4% | |
 CZWI | $90M | - | - | 7.0% | |
 NWBI | $877M | - | - | 18.8% |
SFBC Historical Revenue Data (2007–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $61.6M | - | $38.9M | 63.1% | $8.7M | 14.1% |
| 2024 | $62.1M | - | $35.7M | 57.5% | $5.6M | 9.1% |
| 2023 | $55.6M | - | $39.1M | 70.3% | $9.0M | 16.2% |
| 2022 | $44.4M | - | $38.7M | 87.3% | $10.9M | 24.5% |
| 2021 | $41.2M | - | $36.8M | 89.4% | $11.4M | 27.7% |
| 2020 | $42.4M | - | $34.0M | 80.2% | $11.3M | 26.7% |
| 2019 | $38.6M | - | $31.1M | 80.6% | $8.3M | 21.6% |
| 2018 | $37.4M | - | $31.5M | 84.3% | $8.7M | 23.4% |
| 2017 | $31.2M | - | $27.3M | 87.6% | $8.2M | 26.3% |
| 2016 | $30.2M | - | $26.8M | 88.8% | $8.1M | 26.8% |
| 2015 | $27.4M | - | $24.3M | 88.5% | $7.1M | 25.8% |
| 2014 | $25.5M | - | $22.3M | 87.4% | $6.6M | 25.8% |
| 2013 | $23.5M | - | $19.8M | 84.4% | $5.8M | 24.5% |
| 2012 | $22.2M | - | $15.3M | 69.0% | $3.9M | 17.4% |
| 2011 | $19.8M | - | $12.4M | 62.7% | $2.2M | 11.1% |
What if you invested $1,000 in SFBC back in 2007?
Total return with dividends reinvested · 19+ years of data
Calculate ReturnsHow much would $100/month in SFBC be worth today?
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Run the NumbersIs SFBC Undervalued Right Now?
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Compare NowSFBC — Frequently Asked Questions
Quick answers to the most common questions about buying SFBC stock.
Is SFBC's revenue growth accelerating or slowing?
SFBC revenue growth is slowing. TTM revenue is $62M, up -4.1% year-over-year — below the 5-year CAGR of +7.8%. The deceleration suggests maturing end-markets or increased competition.
What is SFBC's revenue history from 2007 to 2026?
Sound Financial Bancorp, Inc. (SFBC) revenue history spans 2007 to 2026. TTM revenue as of 2026 is $62M, growing at -4.1% YoY. The 5-year CAGR is +7.8%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is SFBC's long-term revenue growth rate (CAGR)?
Sound Financial Bancorp, Inc.'s 5-year revenue CAGR of +7.8% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of -4.1% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for SFBC.
Why does SFBC's quarterly revenue fluctuate?
SFBC quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Sound Financial Bancorp, Inc.'s revenue data from 2007 to 2026 shows full historical quarterly detail on this page.
How is SFBC's revenue distributed by segment?
SFBC reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does SFBC's revenue compare to industry peers?
Sound Financial Bancorp, Inc. (SFBC) with TTM revenue of $62M and -4.1% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.