SFBC
Sound Financial Bancorp, Inc.Company Information
- Company Name
- Sound Financial Bancorp, Inc.
- CIK
- CIK0001541119
- Category
- Non-accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- SFBC: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6035
- SIC Description
- Savings Institution, Federally Chartered
- Ticker
- SFBC
SEC filing data through
Insider Sentiment
- Last purchase
- 2024-02-01
- Last sale
- 2026-09-30
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 2,700
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 1,170,319
- Shares outstanding
- 2,564,165
- Ownership
- 45.64%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- 2.89%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Cash And Cash Equivalents At Carrying Value | 120 | 138 | 138 | 101 | 103 | 131 | 44 | 149 | 135 | 138 | 50 | 102 | ||||||
| Available For Sale Securities Debt Securities | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | ||||||
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | ||||||
| Equity Securities Without Readily Determinable Fair Value Amount | 5 | 5 | - | - | - | - | - | - | - | - | - | - | ||||||
| Loans Receivable Held For Sale Amount | 2 | 0 | 1 | 0 | 2 | 2 | 0 | 0 | 0 | 0 | 1 | 1 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 892 | 922 | 906 | 910 | 904 | 886 | 900 | 902 | 889 | 898 | 894 | 875 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -8 | -9 | -9 | -9 | -9 | -8 | -8 | -9 | -8 | -9 | -9 | -8 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 884 | 913 | 897 | 901 | 896 | 878 | 892 | 893 | 881 | 889 | 886 | 867 | ||||||
| Interest Receivable | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 4 | 3 | 4 | 3 | 3 | ||||||
| Bank Owned Life Insurance | 24 | 24 | 23 | 23 | 23 | 23 | 22 | 22 | 22 | 22 | 22 | 22 | ||||||
| Other Real Estate And Foreclosed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | ||||||
| Servicing Asset At Fair Value Amount | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Federal Home Loan Bank Stock | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | ||||||
| Property Plant And Equipment Net | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 | 7 | 5 | 5 | ||||||
| Operating Lease Right Of Use Asset | - | - | 3 | - | - | 4 | 4 | 4 | 4 | 4 | 4 | 5 | ||||||
| Other Assets | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 5 | 6 | 7 | ||||||
| Assets | 1,066 | 1,112 | 1,092 | 1,060 | 1,058 | 1,069 | 994 | 1,101 | 1,075 | 1,087 | 995 | 1,030 | ||||||
Deposits | ||||||||||||||||||
| Interest Bearing Deposit Liabilities | 802 | 837 | 816 | 768 | 775 | 784 | 705 | 800 | 782 | 788 | 700 | 707 | ||||||
| Noninterest Bearing Deposit Liabilities | 129 | 131 | 133 | 131 | 124 | 127 | 133 | 130 | 125 | 129 | 127 | 154 | ||||||
| Deposits | 931 | 969 | 949 | 899 | 899 | 910 | 838 | 930 | 907 | 917 | 827 | 861 | ||||||
| Advances From Federal Home Loan Banks | 0 | 10 | 10 | 25 | 25 | 25 | 25 | 40 | 40 | 40 | 40 | 40 | ||||||
| Interest Payable Current And Noncurrent | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Operating Lease Liability | - | - | 4 | - | - | 4 | 4 | 4 | 4 | 5 | 5 | 5 | ||||||
| Other Liabilities | 10 | 9 | 10 | 10 | 10 | 11 | 9 | 10 | 9 | 10 | 10 | 10 | ||||||
| Advance Payments By Borrowers For Taxes And Insurance | 1 | 3 | 1 | 2 | 1 | 2 | 1 | 2 | 1 | 2 | 1 | 2 | ||||||
| Subordinated Debt | 8 | 8 | 8 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | ||||||
| Liabilities | 953 | 1,002 | 983 | 953 | 952 | 965 | 890 | 999 | 974 | 986 | 895 | 930 | ||||||
| Commitments And Contingencies | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | ||||||
Stockholders Equity | ||||||||||||||||||
| Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital | 29 | 29 | 29 | 29 | 29 | 29 | 28 | 28 | 28 | 28 | 28 | 28 | ||||||
| Retained Earnings Accumulated Deficit | 84 | 83 | 81 | 80 | 79 | 77 | 76 | 75 | 74 | 74 | 74 | 73 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | ||||||
| Stockholders Equity | 113 | 110 | 109 | 107 | 106 | 104 | 104 | 102 | 101 | 101 | 101 | 100 | ||||||
| Liabilities And Stockholders Equity | 1,066 | 1,112 | 1,092 | 1,060 | 1,058 | 1,069 | 994 | 1,101 | 1,075 | 1,087 | 995 | 1,030 | ||||||
| Available For Sale Debt Securities Amortized Cost Basis | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 10 | ||||||
| Held To Maturity Securities Fair Value | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | - | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Preferred Stock Shares Authorized | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | ||||||
| Common Stock Shares Issued | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| Shares Outstanding | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialSound Financial Bancorp, Inc. (SFBC) — SEC Financial Statements & Analysis
Sound Financial Bancorp, Inc. (SFBC) is a savings institution, federally chartered company, incorporated in MD. Sound Financial Bancorp, Inc. trades on Nasdaq as: SFBC. Sound Financial Bancorp, Inc. (SFBC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, Sound Financial Bancorp, Inc. carries a market cap of $110.04M, a P/E ratio of 13.70x, a P/B ratio of 0.98x, a P/S ratio of 1.89x, an enterprise value of $-10.03M, and an EV/EBITDA multiple of 0.38x. On profitability, it posts a gross margin of 62.22%, an operating margin of 16.74%, a net margin of 13.79%, a Return on Equity (ROE) of 7.35%, and a Return on Invested Capital (ROIC) of 3.55%. Per share, it reports EPS of $3.13, diluted EPS of $3.12, free cash flow per share of $2.86, and a dividend per share of $0.80. Over the trailing year, it posted revenue growth of 0.09% year-over-year, net income growth of 27.63% year-over-year, and EPS growth of 27.25% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.73x, free cash flow of $7.33M (TTM), and net debt of $-120.07M. Figures sourced from SEC EDGAR.
- Market Cap
- $110.04M
- P/E TTM
- 13.70x
- EPS TTM
- $3.13
- P/B TTM
- 0.98x
- ROE TTM
- 7.35%
- Free Cash Flow TTM
- $7.33M
- Net Revenue TTM Growth 1Y
- 0.09%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Sound Financial Bancorp, Inc. in?
Sound Financial Bancorp, Inc. (SFBC) operates in the Savings Institution, Federally Chartered industry.
What exchange does SFBC trade on?
Sound Financial Bancorp, Inc. (SFBC) trades on the Nasdaq.
Where is Sound Financial Bancorp, Inc. incorporated?
Sound Financial Bancorp, Inc. is incorporated in MD.
When was Sound Financial Bancorp, Inc. (SFBC)'s most recent SEC filing?
Sound Financial Bancorp, Inc. (SFBC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is SFBC's market cap?
Sound Financial Bancorp, Inc. (SFBC) has a market capitalization of $110.04M as of 2026-06-30.
What is SFBC's P/E ratio?
Sound Financial Bancorp, Inc. (SFBC)'s trailing twelve month P/E ratio is 13.70x as of 2026-06-30.
What is SFBC's EPS (earnings per share)?
Sound Financial Bancorp, Inc. (SFBC)'s trailing twelve month EPS is $3.13 as of 2026-06-30.
What is SFBC's ROE (return on equity)?
Sound Financial Bancorp, Inc. (SFBC)'s trailing twelve month Return on Equity (ROE) is 7.35% as of 2026-06-30.
What is SFBC's ROIC (return on invested capital)?
Sound Financial Bancorp, Inc. (SFBC)'s trailing twelve month Return on Invested Capital (ROIC) is 3.55% as of 2024-12-31.
What is SFBC's EV/EBITDA?
Sound Financial Bancorp, Inc. (SFBC)'s trailing twelve month EV/EBITDA is 0.38x as of 2026-06-30.