Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc.

SFBC
Sound Financial Bancorp, Inc.US flagNASDAQ Capital Market
41.94
USD
+0.23
- -
107.62MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.23
9.19
9.93
10.95
11.11
12.81
12.25
13.47
14.26
15.43
16.32
14.95
16.32
15.5
Basic EPS, GAAP
1.53
1.69
1.93
2.16
2.05
2.82
2.64
3.45
3.5
3.41
3.13
1.94
3.01
2.96
Free Cash Flow per Basic Share
2.88
1.13
1.06
2.47
1.74
3.88
4.12
-0.34
7.21
3.74
2.71
1.2
2.94
2.6
Dividend per Share
0.15
0.2
0.23
0.3
0.6
0.55
0.57
0.8
0.78
0.79
0.8
0.82
0.82
0.78
Book Value per Share
9.44
11.16
13
14.84
16.18
18.49
20.35
22.47
24.97
27.41
30.95
31.97
34.24
32.26
Tangible Book Value per Share
16.65
18.7
20.46
22.8
24.65
27.31
29.48
31.51
34.08
36
40.35
41.43
44.19
41.56
Basic Weighted Avg Shares
3
3
2
2
3
2
3
3
3
3
2
2
2
3
Sales/Revenue/Turnover
21
23
25
27
28
32
31
35
37
40
39
36
39
40
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
2
2
2
2
2
2
2
1
Net Income, GAAP
4
4
5
5
5
7
7
9
9
9
7
5
7
8
Effective Tax Rate (%)
31.54
35.54
32.34
33.38
37.45
19.51
19.82
21.11
19.88
19.05
17.34
17.82
17.46
17.51
Profit Margin (%)
18.59
18.36
19.43
19.74
18.42
21.99
21.58
25.59
24.57
22.08
19.15
13
18.42
19.09
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
43
31
40
55
59
84
16
19
18
17
42
41
21
21
Total Equity
47
51
55
60
65
72
78
85
93
98
101
104
109
110
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
17.48
16.19
15.88
15.55
13.24
16.24
13.68
16.3
14.83
12.94
10.3
6.19
9.07
9.49

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
15
- -
- -
LT Borrowings
22
18
18
LT Finance Leases
4
4
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
118
112
112

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
103
141
140
Accounts Receivable, Net
4
4
4
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
- -
ST Debt
15
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.25%
5.08%
5.53%
Free Cash Flow
-208.32%
-441.67%
144.78%
Net Income, GAAP
7.34%
-0.05%
54.27%
Sales/Revenue/Turnover
4.91%
2.37%
8.87%
Total Cash Common Dividend
16.6%
-1.2%
-0.05%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
9
9
9
36
2025
9
10
10
10
39
2026
10
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.31
0.45
0.75
1.94
2025
0.46
0.8
0.66
0.88
3.01
2026
0.62
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.19
0.19
0.19
0.19
0.82
2025
0.19
0.19
0.19
0.19
0.82
2026
0.21
- -
- -
- -
- -

Company Description

APIChat
CEO
Laura Lee Stewart
Full Time Employees
108
Sector
Financial Services
Industry
Banks - Regional
Address
2400 3rd Avenue Seattle WA United States of America 98121
IPO Date
Jan 9, 2008
Business
Sound Financial Bancorp, Inc. serves as the parent entity for Sound Community Bank, which delivers a comprehensive array of financial services to individual clients and commercial enterprises. The institution offers a variety of deposit instruments, including interest-bearing savings, money market, Negotiable Order of Withdrawal (NOW), and demand accounts, alongside diverse certificates of deposit. For lending, the bank originates loans secured by primary and secondary mortgages on residential properties ranging from one to four units, encompassing home equity loans with both fixed and adjustable rates. It also provides financing for commercial and multifamily real estate ventures, construction projects involving single-family residences, commercial properties, and multifamily dwellings, as well as land acquisition. Commercial business loans are extended for financing vehicles and equipment, and also against accounts receivable or inventory. Additionally, the bank provides secured and unsecured personal loans for items such as new and pre-owned manufactured and floating homes, automobiles, boats, and recreational vehicles, along with loans backed by deposit accounts. Operating primarily within Washington state, the company maintains eight full-service branch locations across the region, including several in the greater Seattle area, as well as sites in Mountlake Terrace, Port Angeles, Port Ludlow, Sequim, Tacoma, and University Place, complemented by a dedicated home loan office in Seattle's Madison Park neighborhood. Established in 1953, the company's main offices are situated in Seattle, Washington.

Company News

APIChat
  • Sound Financial Bancorp, Inc. Q1 2026 Results

  • Sound Community Bank CEO Laurie Stewart Participates in U.S. Treasury Department Roundtable on Financial Literacy

  • Sound Financial Bancorp (NASDAQ:SFBC) Stock Crosses Below 200-Day Moving Average – What’s Next?

  • Sound Financial Bancorp (NASDAQ:SFBC) and East West Bancorp (NASDAQ:EWBC) Financial Analysis

  • Sound Financial Bancorp (NASDAQ:SFBC) Stock Passes Below Two Hundred Day Moving Average – What’s Next?

  • Sound Financial Bancorp, Inc. Q4 2025 Results

  • Sound Financial Bancorp (NASDAQ:SFBC) Share Price Crosses Below 200-Day Moving Average – Here’s Why

  • Sound Financial Bancorp (NASDAQ:SFBC) Stock Price Crosses Below 200 Day Moving Average – Time to Sell?

  • Columbia Banking System (NASDAQ:COLB) vs. Sound Financial Bancorp (NASDAQ:SFBC) Head-To-Head Contrast

  • Sound Financial Bancorp (NASDAQ:SFBC) Stock Price Crosses Below Two Hundred Day Moving Average – Here’s Why

  • Sound Financial Bancorp, Inc. Q3 2025 Results

  • Laurie Stewart Named One of American Banker's “Most Powerful Women To Watch”

  • Sound Community Bancorp, Inc. Announces Executive Leadership Transition

  • Sound Financial Bancorp, Inc. Q2 2025 Results

  • Sound Financial Bancorp, Inc. Q1 2025 Results

  • Sound Financial Bancorp, Inc. Announces Annual Shareholders Meeting Date

  • Sound Financial Bancorp, Inc. Q4 2024 Results

  • Sound Financial Bancorp, Inc. Q3 2024 Results

  • Laurie Stewart Named One of American Banker's “Most Powerful Women to Watch”

  • Sound Financial Bancorp, Inc. Q2 2024 Results