Sound Financial Bancorp, Inc. Financial Ratios — SFBC Stock

Profitability (USD)

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.94	13.58	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
Return on Assets (%)	0.46	0.73	0.96	0.9	0.92	0.95	0.83	1.03	0.93	1.13	1.03	0.93	0.75	0.47	0.69
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	7.37	7.34	6.94	5.82	2.51	2.91	3.39	3.09	4.92	5.22	4.26	4.01	4.25	4.42	3.88
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.92	19.5	27.16	28.48	28.71	29.63	29.44	27.32	26.91	32.43	30.67	27.27	23.17	15.82	22.32
Profit Margin (%)	9.11	13.3	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
Net Income to Common Margin (%)	9.11	13.3	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
Effective Tax Rate (%)	29.47	31.8	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
Dvd Payout Ratio (%)	- -	- -	9.85	11.89	11.98	13.85	29.37	19.42	21.47	23.18	22.27	23.07	25.72	41.98	27.2
Sustainable Growth Rate (%)	8.94	13.58	15.76	14.27	13.98	13.4	9.35	13.08	10.75	12.52	11.52	9.95	7.65	3.59	6.6

Credit (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9	22	43	31	40	55	59	84	16	19	18	60	57	41	21
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	43	15	- -	- -
LT Debt	9	22	43	31	40	55	59	84	16	19	18	17	42	41	21
Total Debt/EBITDA	6.78	15	29.4	22.75	65.22	69.09	62.57	84.93	10.18	10.27	11.26	37.6	34.22	25.82	14.26
Net Debt/EBITDA	-6.8	6.27	18.97	0.96	-12.63	0.26	-1.78	22.44	-31.69	-99.91	-108.35	-1.98	1.23	-4.36	-80.11
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.34	5.45	5.49	5.66	5.97	6.27	6.28	6.44	7.15	6.76	7.1	7.25	7.4	7.68	7.46
Long-Term Debt/Equity (%)	29.62	50.31	92.94	60.38	74.17	90.9	90.55	117.27	19.95	21.91	19.15	17.53	41.27	39.33	19.63
Long-Term Debt/Capital (%)	31.94	51.29	64	52.16	55.62	59.76	59.29	64.52	23.17	24.33	21.5	13.08	31.91	34.83	20.85
Long-Term Debt/Total Assets (%)	2.5	5.74	9.77	6.18	7.48	9.31	9.14	11.72	2.15	2.17	1.94	1.75	4.17	4.1	1.97
Total Debt/Equity (%)	29.62	50.31	92.94	60.38	74.17	90.9	90.55	117.27	19.95	21.91	19.15	61.54	56.17	39.33	19.63
Total Debt/Capital (%)	31.94	51.29	64	52.16	55.62	59.76	59.29	64.52	23.17	24.33	21.5	45.92	43.43	34.83	20.85
Total Debt/Total Assets (%)	2.5	5.74	9.77	6.18	7.48	9.31	9.14	11.72	2.15	2.17	1.94	6.16	5.68	4.1	1.97
Net Debt to Equity	-29.69	21.03	59.97	2.55	-14.36	0.35	-2.58	30.98	-62.1	-213.18	-184.19	-3.23	2.01	-6.64	-110.29
Net Debt/Capital (%)	-88.79	30.56	53.42	4.39	-32.04	0.57	-4.33	32.45	-431.95	155.96	171.18	-4.32	2.52	-9.37	340.12
EBITDA	1	1	1	1	1	1	1	1	2	2	2	2	2	2	2
EBITDA-CapEx	1	1	1	-3	- -	- -	-2	- -	1	1	1	1	1	2	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.34	5.45	5.49	5.66	5.97	6.27	6.28	6.44	7.15	6.76	7.1	7.25	7.4	7.68	7.46
Long-Term Debt/Equity (%)	29.62	50.31	92.94	60.38	74.17	90.9	90.55	117.27	19.95	21.91	19.15	17.53	41.27	39.33	19.63
Long-Term Debt/Capital (%)	31.94	51.29	64	52.16	55.62	59.76	59.29	64.52	23.17	24.33	21.5	13.08	31.91	34.83	20.85
Long-Term Debt/Total Assets (%)	2.5	5.74	9.77	6.18	7.48	9.31	9.14	11.72	2.15	2.17	1.94	1.75	4.17	4.1	1.97
Total Debt/Equity (%)	29.62	50.31	92.94	60.38	74.17	90.9	90.55	117.27	19.95	21.91	19.15	61.54	56.17	39.33	19.63
Total Debt/Capital (%)	31.94	51.29	64	52.16	55.62	59.76	59.29	64.52	23.17	24.33	21.5	45.92	43.43	34.83	20.85
Total Debt/Total Assets (%)	2.5	5.74	9.77	6.18	7.48	9.31	9.14	11.72	2.15	2.17	1.94	6.16	5.68	4.1	1.97
CFO/Total Liabilities	2.33	3.02	1.96	1.53	0.77	1.35	1.18	1.6	1.72	-0.06	2.31	1.14	0.77	0.33	0.73
CFO/CapEx	38.67	38.52	22.64	1.71	3.37	7.1	2.76	16.11	16.92	-1.19	84.77	25.26	15.51	38.58	42.12
Altman's Z-Score	0.17	0.18	0.19	0.19	0.2	0.21	0.22	0.21	0.23	0.2	0.22	0.21	0.21	0.23	0.2

Working Capital (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	13.54	15.79	16.02	16.13	15.88	15.91	14.67	15.01	13.78	15.66	16.67	15.05	11.89	10.31	10.73
Days Sales Outstanding	26.96	23.11	22.79	22.62	22.99	22.94	24.87	24.31	26.49	23.3	21.9	24.26	30.7	35.4	34.02
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	22	27	44	47	56	70	85	81	91	82	115	101	93	126	104
- Cash & Cash Equivalents	17	13	15	29	48	55	61	62	56	194	184	58	50	44	138
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	9	22	43	31	40	55	59	84	16	19	18	60	57	41	21
Enterprise Value	10	13	56	37	42	63	78	99	41	-103	-59	94	91	115	-15
Total Capital	27	43	68	59	73	92	100	130	67	77	83	131	130	117	103
Total Debt/Capital (%)	31.94	51.29	64	52.16	55.62	59.76	59.29	64.52	23.17	24.33	21.5	45.92	43.43	34.83	20.85
Total Debt / EV	0.84	1.66	0.77	0.82	0.97	0.87	0.76	0.85	0.37	-0.18	-0.3	0.64	0.62	0.35	-1.39
EV/Sales	0.6	0.66	2.64	1.61	1.69	2.32	2.81	3.08	1.34	- -	- -	2.35	2.35	3.22	- -
EV/EBITDA	8.09	9.01	38.09	27.63	67.21	79.75	82.79	99.64	27.19	- -	- -	58.5	55.31	72.84	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.4	1.29	7.21	5.46	11.11	8.85	11.44	9.54	3.74	- -	- -	9.3	13.27	39.23	- -
EV/Free Cash Flow to Firm	1.37	1.25	6.9	3.45	8.57	7.75	8.4	8.99	3.53	- -	- -	8.95	12.47	38.23	- -
Diluted Market Cap	22	27	44	49	58	72	87	84	93	82	115	101	93	126	104
Diluted Enterprise Value	13	36	72	50	50	73	86	106	53	-93	-51	104	100	123	-13
EV per Share	3.51	5.08	21.74	14.78	16.79	25.43	31.18	39.45	16.39	- -	- -	36.2	38.4	48.18	- -
TTM Sales	17	20	21	23	25	27	28	32	31	35	37	40	39	36	39
TTM EBITDA	1	1	1	1	1	1	1	1	2	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	10	8	7	4	7	7	10	11	- -	19	10	7	3	7
TTM Free Cash Flow to Firm	7	10	8	11	5	8	9	11	12	- -	19	10	7	3	7

Multiples (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.92	2.6	5.47	4.55	11.85	8.87	9.4	7.62	7.94	-1,069.02	5.96	9.71	12.66	41.78	14.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	10	13	56	37	42	63	78	99	41	-103	-59	94	91	115	-15
Low Price	4.75	7.1	10.4	16.55	18	21.29	27.15	32.01	32.97	17	31.13	36	33.27	39	42.75
EV/Sales	0.6	0.66	2.64	1.61	1.69	2.32	2.81	3.08	1.34	- -	- -	2.35	2.35	3.22	- -
EV/EBITDA	8.09	9.01	38.09	27.63	67.21	79.75	82.79	99.64	27.19	- -	- -	58.5	55.31	72.84	- -
Price/Earnings	13.97	10.19	11.05	11.17	11.73	12.95	16.62	11.55	13.62	9.21	12.56	11.52	12.48	27.08	14.51
Price/Earnings Average	12.4	8.48	9.21	10.42	10.43	11.18	15.27	13.18	13.22	8.28	11.84	11.64	11.98	23.39	16
Price/Earnings High	13.97	10.38	11.3	11.22	12.01	13.96	16.98	14.5	14.46	10.96	13.81	13.21	13.1	28.8	18.29
Price/Earnings Low	8.85	6.96	6.8	9.81	9.33	9.85	13.27	11.36	12.47	4.93	8.89	10.56	10.64	20.06	14.22
Price/Book Value	1.2	1.3	1.79	1.69	1.74	1.89	2.1	1.76	1.77	1.41	1.76	1.43	1.26	1.65	1.27
Price/Book Value Average	1.06	1.08	1.49	1.58	1.55	1.63	1.93	2.01	1.72	1.27	1.66	1.45	1.21	1.42	1.41
Price/Book Value High	1.2	1.32	1.83	1.7	1.78	2.03	2.15	2.21	1.88	1.68	1.94	1.64	1.32	1.75	1.61
Price/Book Value Low	0.76	0.88	1.1	1.48	1.38	1.43	1.68	1.73	1.62	0.76	1.25	1.31	1.07	1.22	1.25
Price/Tangible Book Value	0.85	0.67	1.01	1.01	1.11	1.23	1.38	1.19	1.22	1.01	1.29	1.09	0.97	1.27	0.99
Price/Tangible Book Value Average	0.76	0.55	0.85	0.94	0.98	1.06	1.27	1.36	1.19	0.91	1.22	1.1	0.93	1.1	1.09
Price/Tangible Book Value High	0.85	0.68	1.04	1.01	1.13	1.32	1.41	1.5	1.3	1.2	1.42	1.25	1.01	1.35	1.24
Price/Tangible Book Value Low	0.54	0.45	0.62	0.88	0.88	0.93	1.1	1.17	1.12	0.54	0.91	1	0.82	0.94	0.97
Price/Sales	1.27	1.35	2.05	2.05	2.28	2.56	3.06	2.54	2.94	2.36	3.09	2.54	2.39	3.52	2.67
Price/Sales Average	1.13	1.13	1.71	1.91	2.03	2.21	2.81	2.9	2.85	2.12	2.91	2.57	2.29	3.04	2.95
Price/Sales High	1.27	1.38	2.1	2.06	2.33	2.76	3.13	3.19	3.12	2.81	3.39	2.92	2.51	3.74	3.37
Price/Sales Low	0.81	0.92	1.26	1.8	1.81	1.94	2.44	2.5	2.69	1.26	2.18	2.33	2.04	2.61	2.62
Price/Cash Flow	3	2.63	5.6	6.96	14.98	9.74	12.48	7.88	8.22	-170.07	6.03	10.09	13.48	42.86	14.51
Price/Cash Flow Average	2.66	2.19	4.67	6.5	13.32	8.41	11.47	8.99	7.98	-152.8	5.68	10.2	12.94	37.02	15.99
Price/Cash Flow High	3	2.69	5.73	6.99	15.34	10.5	12.75	9.89	8.73	-202.43	6.63	11.56	14.15	45.58	18.29
Price/Cash Flow Low	1.9	1.8	3.45	6.11	11.91	7.41	9.96	7.74	7.53	-91.06	4.27	9.25	11.5	31.75	14.21
Price/Free Cash Flow Average	2.59	2.16	4.57	4.25	10.54	7.66	8.63	8.7	7.7	-960.44	5.62	9.81	12.15	36.08	15.62
Price/Free Cash Flow High	2.92	2.65	5.6	4.57	12.13	9.56	9.6	9.57	8.43	-1,272.39	6.55	11.12	13.29	44.43	17.86
Price/Free Cash Flow Low	1.85	1.78	3.37	4	9.42	6.74	7.5	7.49	7.27	-572.39	4.22	8.9	10.8	30.95	13.88
EV/Sales Average	0.63	1.59	3.03	1.97	1.71	2.21	2.75	3.59	1.55	- -	- -	2.63	2.47	2.96	- -
EV/Sales High	0.77	1.84	3.42	2.12	2.02	2.76	3.07	3.88	1.82	- -	- -	2.97	2.69	3.66	0.36
EV/Sales Low	0.31	1.39	2.58	1.86	1.49	1.95	2.38	3.19	1.39	- -	- -	2.39	2.21	2.53	- -
EV/EBITDA Average	8.54	21.61	43.67	33.84	67.97	76.07	81.22	116.26	31.52	-55.45	-36.12	65.54	58.07	66.92	-1.62
EV/EBITDA High	10.48	25.07	49.26	36.35	80.17	94.92	90.49	125.67	37	-42.29	-24.72	74.14	63.14	82.82	9.27
EV/EBITDA Low	4.14	18.86	37.19	31.9	59.43	67.03	70.31	103.29	28.27	-71.84	-53.15	59.6	52.07	57.14	-10.09
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.5	10.4	16.9	18.85	22.64	28	34.02	32.55	36	31.75	44	39.27	39	52.65	43.63
High Price	7.5	10.6	17.29	18.93	23.18	30.18	34.75	40.87	38.23	37.79	48.39	45	40.95	55.99	55
Enterprise Value Average	11	32	64	45	42	60	77	115	48	-101	-57	105	96	106	-2
Enterprise Value High	13	37	72	49	50	75	85	124	56	-77	-39	119	104	131	14
Enterprise Value Low	5	27	55	43	37	53	66	102	43	-131	-84	95	86	90	-15

Shares Outstanding	3	3	3	3	2	2	3	3	3	3	3	3	2	2	2
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	2	2	2
Basic Weighted Avg Shares	3	3	3	3	2	2	3	2	3	3	3	3	2	2	2
Revenue per Share	5.89	7.68	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
EBITDA per Share	0.43	0.56	0.57	0.53	0.25	0.32	0.38	0.4	0.6	0.7	0.61	0.62	0.69	0.66	0.63
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.54	1.02	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
Basic EPS from Cont Ops	0.54	1.02	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
Diluted EPS, GAAP	0.54	1.01	1.5	1.63	1.88	2.08	2	2.74	2.59	3.45	3.5	3.41	3.13	1.94	3.01
Diluted EPS from Cont Ops	0.54	1.01	1.5	1.63	1.88	2.08	2	2.74	2.59	3.45	3.5	3.41	3.13	1.94	3.01
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
Cash Flow per Share	2.5	3.95	3.02	2.71	1.51	2.87	2.73	4.13	4.38	-0.19	7.3	3.89	2.89	1.23	3.01
Free Cash Flow per Basic Share	2.44	3.85	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
Cash & Equivalents per Share	6.93	13.78	11.94	16.24	22.14	24.6	26.4	26.73	25.75	78.7	73.46	26.34	24.36	21.55	59.15
Book Value per Share	6.27	8.03	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
Tangible Book Value per Share	8.79	15.62	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

Sound Financial Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)