SFBC

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Sound Financial Bancorp, Inc.

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Key Metrics

Previous Close: $47.90
52-Week Range: $40.68 – $49.21
Market Cap: $122.62M
P/E (TTM): 15.30
EPS (TTM): 3.12
Dividend Yield: 1.75%

Advanced Metrics

Price/Book: 1.09
PEG Ratio: —
Return on Equity: 7.35%
Return on Assets: 0.76%
Gross Margin: 0.00%
Operating Margin: 29.00%
Profit Margin: 19.94%
Current Ratio: —
Debt/Equity: —
Total Debt: $10.93M
Free Cash Flow: —
Revenue Growth: 10.20%
Earnings Growth: 24.10%
Enterprise Value: $12.85M

SFBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$39.88M	$38.84M	$35.69M	$38.85M
Selling, General & Admin	$16.41M	$17.14M	$17.59M	$16.71M
Pretax Income	$10.88M	$9.00M	$5.65M	$8.67M
Income Tax	$2.07M	$1.56M	$1.01M	$1.51M
Net Income	$8.80M	$7.44M	$4.64M	$7.16M
Diluted EPS	3.41	3.13	1.94	3.01
Diluted Shares	2.58M	2.38M	2.39M	2.38M

SFBC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$57.84M	$49.69M	$43.64M	$138.45M
Receivables	$3.08M	$3.45M	$3.47M	$3.77M
Total Assets	$976.35M	$995.22M	$993.63M	$1.09B
Long-Term Debt	$11.68M	$36.72M	$36.76M	$17.80M
Total Debt	$60.12M	$56.54M	$40.77M	$21.47M
Total Liabilities	$878.65M	$894.57M	$889.97M	$982.77M
Retained Earnings	$70.79M	$73.63M	$76.27M	$81.48M
Shareholders' Equity	$97.70M	$100.65M	$103.67M	$109.40M
Net Debt	—	$2.03M	—	—

SFBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$10.05M	$6.89M	$2.93M	$7.16M
Capital Expenditure	-$398.00K	-$444.00K	-$76.00K	-$170.00K
Free Cash Flow	$9.66M	$6.44M	$2.86M	$6.99M
Depreciation & Amortisation	$1.60M	$1.65M	$1.58M	$1.51M
Stock-Based Compensation	$475.00K	$450.00K	$390.00K	$303.00K
Investing Cash Flow	-$183.79M	-$26.32M	-$3.94M	-$2.50M
Financing Cash Flow	$47.98M	$11.29M	-$5.04M	$90.15M
Dividends Paid	-$2.03M	-$1.91M	-$1.95M	-$1.95M
Share Repurchases	-$1.87M	-$2.40M	-$283.00K	-$130.00K
Net Change in Cash	-$125.75M	-$8.15M	-$6.05M	$94.81M

SFBC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$10.37M	$9.81M	$9.51M	$9.95M	—
Selling, General & Admin	$4.32M	$4.26M	$3.53M	$4.46M	—
Pretax Income	$2.54M	$2.09M	$2.58M	$1.96M	—
Income Tax	$488.00K	$395.00K	$339.00K	$384.00K	—
Net Income	$2.05M	$1.70M	$2.24M	$1.58M	—
Diluted EPS	0.79	0.66	0.87	0.61	0.98
Diluted Shares	2.58M	2.58M	2.57M	2.57M	2.57M

SFBC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$131.49M	$102.54M	$101.16M	$138.45M	$137.98M
Receivables	$3.54M	$3.66M	$3.90M	$3.77M	$3.89M
Total Assets	$1.07B	$1.06B	$1.06B	$1.09B	$1.11B
Long-Term Debt	$21.77M	$21.78M	$21.79M	$17.80M	$17.81M
Total Debt	$40.60M	$40.99M	$40.73M	$21.47M	$21.18M
Total Liabilities	$964.75M	$952.24M	$952.71M	$982.77M	$1.00B
Retained Earnings	$76.95M	$78.52M	$79.72M	$81.48M	$82.52M
Shareholders' Equity	$104.43M	$106.00M	$107.45M	$109.40M	$110.41M

SFBC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.85M	-$494.00K	$3.80M	$2.00M	$1.50M
Capital Expenditure	-$38.00K	-$24.00K	-$38.00K	-$70.00K	-$32.00K
Free Cash Flow	$1.81M	-$518.00K	$3.76M	$1.94M	$1.47M
Depreciation & Amortisation	$389.00K	$377.00K	$369.00K	$371.00K	$295.00K
Stock-Based Compensation	$81.00K	$75.00K	$75.00K	$72.00K	$57.00K
Investing Cash Flow	$13.92M	-$17.08M	-$4.18M	$4.84M	-$21.06M
Financing Cash Flow	$72.08M	-$11.38M	-$1.00M	$30.45M	$19.09M
Dividends Paid	-$487.00K	-$487.00K	-$488.00K	-$485.00K	-$541.00K
Share Repurchases	$0.00	$0.00	$0.00	-$130.00K	—
Net Change in Cash	$87.85M	-$28.95M	-$1.39M	$37.30M	-$469.00K

Market Snapshot

About

Sound Financial Bancorp, Inc. is the holding company for Sound Community Bank, a community-focused financial institution serving the Puget Sound region of Washington state. The bank provides traditional banking services including deposit accounts, residential and commercial real estate loans, and business banking products. Sound Financial emphasizes personalized customer service and relationship-based banking for individuals and small to medium-sized businesses.