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Sound Financial Bancorp, Inc.

SFBC

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Financial Statements

Values in Millions ($)
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
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Subscriber-only column
Assets
Cash And Cash Equivalents At Carrying Value
1201381381011031314414913513850102
Available For Sale Securities Debt Securities
888888888888
Debt Securities Held To Maturity Amortized Cost Af…
222222222222
Equity Securities Without Readily Determinable Fai…
55----------
Loans Receivable Held For Sale Amount
201022000011
Financing Receivable Excluding Accrued Interest Be…
-922906910904886900902889898894875
Financing Receivable Allowance For Credit Loss Exc…
--9-9-9-9-8-8-9-8-9-9-8
Financing Receivable Excluding Accrued Interest Af…
-913897901896878892893881889886867
Interest Receivable
444444343433
Bank Owned Life Insurance
242423232323222222222222
Other Real Estate And Foreclosed Assets
000000000111
Servicing Asset At Fair Value Amount
444455555555
Federal Home Loan Bank Stock
111222222223
Property Plant And Equipment Net
444445555755
Operating Lease Right Of Use Asset
--3--4444445
Other Assets
666777777567
Assets
1,0661,1121,0921,0601,0581,0699941,1011,0751,0879951,030
Liabilities
Deposits
Interest Bearing Deposit Liabilities
802837816768775784705800782788700707
Noninterest Bearing Deposit Liabilities
129131133131124127133130125129127154
Deposits
931969949899899910838930907917827861
Advances From Federal Home Loan Banks
01010252525254040404040
Interest Payable Current And Noncurrent
101111111111
Operating Lease Liability
--4--4444555
Other Liabilities
109101010119109101010
Advance Payments By Borrowers For Taxes And Insura…
131212121212
Subordinated Debt
888121212121212121212
Liabilities
9531,002983953952965890999974986895930
Commitments And Contingencies
00-000-000-0
Stockholders Equity
Preferred Stock Value
000000000000
Common Stock Value
000000000000
Additional Paid In Capital
292929292929282828282828
Retained Earnings Accumulated Deficit
848381807977767574747473
Accumulated Other Comprehensive Income Loss Net Of…
-1-1-1-1-1-1-1-1-1-1-1-1
Stockholders Equity
113110109107106104104102101101101100
Liabilities And Stockholders Equity
1,0661,1121,0921,0601,0581,0699941,1011,0751,0879951,030
Available For Sale Debt Securities Amortized Cost …
99999999991010
Held To Maturity Securities Fair Value
22222222222-
Preferred Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.010.01
Preferred Stock Shares Authorized
101010101010101010101010
Preferred Stock Shares Issued
000000000000
Preferred Stock Shares Outstanding
000000000000
Common Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.010.01
Common Stock Shares Authorized
404040404040404040404040
Common Stock Shares Issued
333333333333
Shares Outstanding
333333333333

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20260.21%5.75%11.81%---------
2025-1.06%-6.02%-8.86%0.94%-0.94%-4.76%-1.56%-2.92%-2.03%7.66%1.61%2.54%
202412.32%7.00%9.47%20.99%16.03%18.48%-0.26%-2.11%-2.99%-2.47%-1.77%-3.19%
2023----0.58%-1.41%-2.07%2.19%6.56%6.56%-0.54%-3.28%8.77%

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Performance and Valuation Metrics

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Metrics
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
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Leverage & Debt
Interest Coverage TTM
-0.73
-0.74
-0.75
-0.76
-0.77
-0.37
0.08
0.58
1.20
1.36
1.54
1.85
Per Share Metrics
Diluted EPS TTM
3.12
2.94
2.78
2.65
2.44
1.95
1.81
1.53
1.54
2.36
2.88
3.56
Free Cash Flow Per Share TTM
2.86
2.60
2.73
2.03
1.82
-0.18
-0.15
0.55
0.42
2.52
2.51
3.51
Dividend Per Share TTM
0.80
0.78
0.76
0.76
0.76
0.76
0.77
0.77
0.77
0.77
0.75
0.73
Margin Metrics
Gross Profit Margin TTM
62.22%
61.57%
60.68%
59.45%
57.43%
55.15%
54.03%
42.66%
44.91%
48.79%
54.10%
73.27%
Operating Profit Margin TTM
16.74%
15.73%
15.07%
14.48%
13.28%
10.77%
9.84%
8.38%
8.79%
13.83%
17.78%
22.63%
Net Profit Margin TTM
13.79%
12.98%
12.44%
11.78%
10.82%
8.79%
8.09%
7.02%
7.33%
11.57%
14.70%
18.64%
Growth Metrics
Net Revenue Growth (1Y)
0.09%
1.74%
0.32%
3.64%
8.13%
9.82%
13.37%
14.02%
14.07%
19.29%
27.17%
35.12%
Net Income Growth (1Y)
27.63%
50.23%
54.27%
73.96%
59.58%
-16.62%
-37.63%
-57.06%
-62.53%
-34.68%
-15.50%
18.14%
EPS Growth (1Y)
27.25%
49.75%
53.46%
73.12%
58.58%
-17.11%
-37.15%
-56.90%
-62.03%
-33.68%
-14.97%
18.55%
Valuation Metrics
P/E TTM
13.70
14.66
15.36
16.91
18.27
24.77
28.00
33.50
26.66
16.38
12.80
9.79
P/B TTM
0.98
1.00
1.01
1.08
1.08
1.19
1.25
1.29
1.04
0.98
0.95
0.89
P/S TTM
1.89
1.90
1.91
1.99
1.98
2.18
2.26
2.35
1.95
1.90
1.88
1.82
Market Cap
110.04M
110.95M
109.95M
115.60M
114.97M
124.76M
129.91M
131.60M
105.16M
98.97M
95.25M
89.53M
Enterprise Value
-10.03M
-27.04M
-28.50M
14.44M
12.43M
-6.74M
86.27M
-17.33M
-29.95M
-39.00M
45.56M
-12.36M
Calculated Values
Free Cash Flow TTM
7.33M
6.65M
6.99M
5.18M
4.66M
-454.00K
-372.00K
1.40M
1.07M
6.41M
6.44M
8.96M
Net Debt
-120.07M
-137.98M
-138.45M
-101.16M
-102.54M
-131.49M
-43.64M
-148.93M
-135.11M
-137.98M
-49.69M
-101.89M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-30Sale
Owner: Stewart, Laura Lee
Title: President and CEO
Shares: 900
Price/Share: $42.60
Value: $38,340.00
Shares Owned: 9,000
Relationship: Director,Officer
Ownership: Indirect
2026-03-31Sale
Owner: Stewart, Laura Lee
Title: President and CEO
Shares: 900
Price/Share: $44.13
Value: $39,717.00
Shares Owned: 9,900
Relationship: Director,Officer
Ownership: Indirect
2024-11-12Sale
Owner: Haddad, David S Jr
Title: -
Shares: 356
Price/Share: $53.78
Value: $19,145.68
Shares Owned: 3,528
Relationship: Director
Ownership: Direct
2024-11-08Sale
Owner: Sweeney, James E
Title: -
Shares: 592
Price/Share: $52.57
Value: $31,121.44
Shares Owned: 2,942
Relationship: Director
Ownership: Indirect
2024-11-08Sale
Owner: Haddad, David S Jr
Title: -
Shares: 41
Price/Share: $53.75
Value: $2,203.75
Shares Owned: 3,884
Relationship: Director
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
48.58%
Inst. Shares: 1,244,925
Shares Outstanding: 2,562,467
2025-12-31
42.86%
Inst. Shares: 1,095,695
Shares Outstanding: 2,556,254
2025-09-30
37.23%
Inst. Shares: 951,838
Shares Outstanding: 2,556,562
2025-06-30
36.73%
Inst. Shares: 938,956
Shares Outstanding: 2,556,562
2025-03-31
36.03%
Inst. Shares: 920,214
Shares Outstanding: 2,554,265

Sound 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Sound Financial Bancorp, Inc. reported a 0.09% year-over-year revenue growth, a Gross Profit Margin of 62.22% (TTM), a Price-to-Sales (P/S) ratio of 1.89x (TTM), a Price-to-Book (P/B) ratio of 0.98x (TTM), at a market cap of $110.04M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
0.09%
Gross Profit Margin TTM
62.22%
P/S TTM
1.89x
P/B TTM
0.98x
Market Cap
$110.04M

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 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 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.

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Main Street's price.