Sound Financial Bancorp, Inc.
Sound Financial Bancorp, Inc.
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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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 Af… | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Equity Securities Without Readily Determinable Fai… | 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 Be… | - | 922 | 906 | 910 | 904 | 886 | 900 | 902 | 889 | 898 | 894 | 875 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | -9 | -9 | -9 | -9 | -8 | -8 | -9 | -8 | -9 | -9 | -8 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 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 | |||||
Liabilities | |||||||||||||||||
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 Insura… | 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… | -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 … | 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 | |||||
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Interactive Financial Visualizations
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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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.21% | 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% |
| 2024 | 12.32% | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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
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Institutional Ownership
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.