SFBC
Sound Financial Bancorp, Inc.
Price Chart
Latest Quote
$43.83
+1.35 (+3.18%)
Current Price
| Previous Close | $42.48 |
| Open | $42.71 |
| Day High | $43.86 |
| Day Low | $41.28 |
| Volume | 19,718 |
Stock Information
| Quarterly Dividend / Yield | $0.84 / 1.91% |
| Shares Outstanding | 2.38M |
| Quarterly Dividend Yield | 1.91% |
| Quarterly Dividend | $0.84 |
| Total Debt | $21.18M |
| Cash Equivalents | $137.98M |
| Revenue | $39.23M |
| Net Income | $7.54M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $104.27M |
| P/E Ratio | 14.96 |
| EPS (TTM) | $2.93 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-4.75M |
| Sales | $39.23M |
| Income | $7.54M |
| Book/sh | $43.15 |
| Cash/sh | $58.00 |
| Employees | 92 |
Financial Ratios
| EPS Growth TTM | 35.00% |
Returns & Margins
| ROA | 0.69% |
| ROE | 7.04% |
| Operating Margin | 21.98% |
| Profit Margin | 19.29% |
Ownership
| Insider Ownership | 16.10% |
| Institutional Ownership | 48.97% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.66 |
| P/B | 1.02 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $42.28 |
| SMA50 | $42.54 |
| SMA200 | $43.57 |
| RSI | 62.62 |
| ATR | 1.0271 |
| Shares Float | 1.74M |
| Short Float | 3.54% |
| Short Ratio | 11.03 |
| Volatility | 0.01 |
| Rel Volume | 2.94 |
Performance History
| Week | +1.34% |
| Month | +3.28% |
| Quarter | +4.41% |
| 6 Months | -1.43% |
| YTD | +1.75% |
| Year | -7.23% |
| 3 Years | +29.69% |
| 5 Years | +7.98% |
| 10 Years | +120.99% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $43.83 | 20,300 |
| 2026-06-17 | $42.48 | 3,800 |
| 2026-06-16 | $41.42 | 16,800 |
| 2026-06-15 | $42.52 | 2,200 |
| 2026-06-12 | $43.63 | 3,600 |
| 2026-06-11 | $43.25 | 4,200 |
| 2026-06-10 | $42.79 | 3,800 |
| 2026-06-09 | $42.30 | 4,800 |
| 2026-06-08 | $42.07 | 5,000 |
| 2026-06-05 | $42.33 | 6,800 |
| 2026-06-04 | $41.89 | 5,000 |
| 2026-06-03 | $41.32 | 11,200 |
| 2026-06-02 | $41.94 | 5,700 |
| 2026-06-01 | $41.71 | 4,800 |
| 2026-05-29 | $41.73 | 9,400 |
| 2026-05-28 | $43.29 | 9,000 |
| 2026-05-27 | $41.83 | 3,900 |
| 2026-05-26 | $42.05 | 5,100 |
| 2026-05-22 | $41.72 | 4,500 |
| 2026-05-21 | $41.52 | 8,100 |
| 2026-05-20 | $42.57 | 2,900 |
| 2026-05-19 | $42.44 | 4,100 |
About Sound Financial Bancorp, Inc.
Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also provides loans secured by first and second mortgages on one-to-four family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats and recreational vehicle loans, and loans secured by deposit accounts, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.
đ° Latest News
Discovering US Undiscovered Gems 3 Promising Small Caps
Simply Wall St. âĸ 2026-06-01T17:33:45Z
Uncovering US Market's 3 Undiscovered Gems With Potential
Simply Wall St. âĸ 2026-05-28T17:33:22Z
US Market's Hidden Gems: Discover 3 Undiscovered Stocks
Simply Wall St. âĸ 2026-05-28T11:33:00Z
US Market's Undiscovered Gems To Explore In May 2026
Simply Wall St. âĸ 2026-05-27T17:33:26Z
Exploring 3 Undiscovered Gems In The US Market
Simply Wall St. âĸ 2026-05-27T11:33:38Z
Undiscovered Gems In The US Market For May 2026
Simply Wall St. âĸ 2026-05-26T17:33:50Z
US Undiscovered Gems to Explore This May 2026
Simply Wall St. âĸ 2026-05-26T11:33:29Z
US Undiscovered Gems To Explore In May 2026
Simply Wall St. âĸ 2026-05-25T17:33:19Z
3 Undiscovered Gems in the US Market for Savvy Investors
Simply Wall St. âĸ 2026-05-25T11:33:04Z
Undiscovered Gems in the US Market to Explore This May 2026
Simply Wall St. âĸ 2026-05-22T11:33:07Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $38,854,000 | $35,688,000 | $38,843,000 | $39,877,000 |
| Operating Revenue | $38,854,000 | $35,688,000 | $38,843,000 | $39,877,000 |
| Expenses | ||||
| Interest Expense | $22,630,000 | $26,372,000 | $16,759,000 | $4,500,000 |
| General And Administrative Expense | $16,708,000 | $17,590,000 | $17,135,000 | $16,415,000 |
| Other Non Interest Expense | $11,604,000 | $10,907,000 | $11,171,000 | $9,693,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Net Interest Income | $34,927,000 | $31,002,000 | $33,850,000 | $35,295,000 |
| Interest Income | $57,557,000 | $57,374,000 | $50,609,000 | $39,795,000 |
| Normalized Income | $7,188,525 | $4,614,518 | $7,449,738 | $8,804,000 |
| Net Income From Continuing And Discontinued Operation | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Average Dilution Earnings | $0 | $0 | $0 | $0 |
| Net Income Common Stockholders | $7,131,000 | $4,609,000 | $7,392,000 | $8,743,000 |
| Net Income | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Net Income Including Noncontrolling Interests | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Net Income Continuous Operations | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Pretax Income | $8,672,000 | $5,646,000 | $9,000,000 | $10,876,000 |
| Per Share | ||||
| Diluted EPS | $3.01 | $1.94 | $3.13 | $3.41 |
| Basic EPS | $3.01 | $1.94 | $3.13 | $3.41 |
| Other | ||||
| Tax Effect Of Unusual Items | $-6,475 | $5,518 | $-2,262 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-37,000 | $31,000 | $-13,000 | $0 |
| Total Unusual Items Excluding Goodwill | $-37,000 | $31,000 | $-13,000 | $0 |
| Reconciled Depreciation | $1,506,000 | $1,579,000 | $1,652,000 | $1,599,000 |
| Diluted Average Shares | $2,380,786 | $2,386,876 | $2,379,780 | $2,583,619 |
| Basic Average Shares | $2,380,786 | $2,386,876 | $2,379,780 | $2,583,619 |
| Diluted NI Availto Com Stockholders | $7,131,000 | $4,609,000 | $7,392,000 | $8,743,000 |
| Otherunder Preferred Stock Dividend | $27,000 | $31,000 | $47,000 | $61,000 |
| Tax Provision | $1,514,000 | $1,006,000 | $1,561,000 | $2,072,000 |
| Selling General And Administration | $16,708,000 | $17,590,000 | $17,135,000 | $16,415,000 |
| Salaries And Wages | $16,708,000 | $17,590,000 | $17,135,000 | $16,415,000 |
| Occupancy And Equipment | $1,743,000 | $1,665,000 | $1,810,000 | $1,737,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $105,216,000 | $98,897,000 | $96,022,000 | $93,018,000 |
| Total Assets | $1,092,173,000 | $993,633,000 | $995,221,000 | $976,351,000 |
| Goodwill And Other Intangible Assets | $4,183,000 | $4,769,000 | $4,632,000 | $4,687,000 |
| Other Intangible Assets | $4,183,000 | $4,769,000 | $4,632,000 | $4,687,000 |
| Receivables | $3,771,000 | $3,471,000 | $3,452,000 | $3,083,000 |
| Accounts Receivable | $3,771,000 | $3,471,000 | $3,452,000 | $3,083,000 |
| Cash And Cash Equivalents | $138,453,000 | $43,641,000 | $49,690,000 | $57,836,000 |
| Cash Cash Equivalents And Federal Funds Sold | $138,453,000 | $43,641,000 | $49,690,000 | $57,836,000 |
| Debt | ||||
| Total Debt | $21,472,000 | $40,772,000 | $56,538,000 | $60,124,000 |
| Long Term Debt And Capital Lease Obligation | $21,472,000 | $40,772,000 | $41,538,000 | $17,124,000 |
| Long Term Debt | $17,801,000 | $36,759,000 | $36,717,000 | $11,676,000 |
| Current Debt And Capital Lease Obligation | $0 | $0 | $15,000,000 | $43,000,000 |
| Current Debt | $0 | $0 | $15,000,000 | $43,000,000 |
| Other Current Borrowings | $0 | $0 | $15,000,000 | $43,000,000 |
| Net Debt | - | - | $2,027,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $982,774,000 | $889,967,000 | $894,567,000 | $878,646,000 |
| Payables And Accrued Expenses | $674,000 | $765,000 | $817,000 | $395,000 |
| Payables | $674,000 | $765,000 | $817,000 | $395,000 |
| Accounts Payable | $674,000 | $765,000 | $817,000 | $395,000 |
| Equity | ||||
| Common Stock Equity | $109,399,000 | $103,666,000 | $100,654,000 | $97,705,000 |
| Total Equity Gross Minority Interest | $109,399,000 | $103,666,000 | $100,654,000 | $97,705,000 |
| Stockholders Equity | $109,399,000 | $103,666,000 | $100,654,000 | $97,705,000 |
| Gains Losses Not Affecting Retained Earnings | $-846,000 | $-1,044,000 | $-988,000 | $-1,117,000 |
| Other Equity Adjustments | $-846,000 | $-1,044,000 | $-988,000 | $-1,117,000 |
| Retained Earnings | $81,483,000 | $76,272,000 | $73,627,000 | $70,792,000 |
| Other | ||||
| Treasury Shares Number | $187,167 | $178,031 | $169,647 | - |
| Ordinary Shares Number | $2,380,786 | $2,386,876 | $2,379,780 | $2,583,619 |
| Share Issued | $2,567,953 | $2,564,907 | $2,549,427 | $2,583,619 |
| Tangible Book Value | $105,216,000 | $98,897,000 | $96,022,000 | $93,018,000 |
| Invested Capital | $127,200,000 | $140,425,000 | $152,371,000 | $152,381,000 |
| Capital Lease Obligations | $3,671,000 | $4,013,000 | $4,821,000 | $5,448,000 |
| Total Capitalization | $127,200,000 | $140,425,000 | $137,371,000 | $109,381,000 |
| Additional Paid In Capital | $28,737,000 | $28,413,000 | $27,990,000 | $28,004,000 |
| Capital Stock | $25,000 | $25,000 | $25,000 | $26,000 |
| Common Stock | $25,000 | $25,000 | $25,000 | $26,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $3,671,000 | $4,013,000 | $4,821,000 | $5,448,000 |
| Investments And Advances | $9,591,000 | $9,920,000 | $10,453,000 | $12,406,000 |
| Held To Maturity Securities | $1,892,000 | $2,130,000 | $2,166,000 | $2,199,000 |
| Available For Sale Securities | $5,332,000 | - | - | - |
| Net PPE | $7,662,000 | $8,422,000 | $9,736,000 | $10,615,000 |
| Accumulated Depreciation | $-9,831,000 | $-9,939,000 | $-9,385,000 | $-8,667,000 |
| Gross PPE | $17,493,000 | $18,361,000 | $19,121,000 | $19,282,000 |
| Other Properties | $3,423,000 | $3,725,000 | $4,496,000 | $5,102,000 |
| Machinery Furniture Equipment | $5,962,000 | $6,365,000 | $6,390,000 | $6,092,000 |
| Buildings And Improvements | $7,188,000 | $7,351,000 | $7,315,000 | $7,168,000 |
| Land And Improvements | $920,000 | $920,000 | $920,000 | $920,000 |
| Other Short Term Investments | $2,367,000 | $7,790,000 | $8,287,000 | $10,207,000 |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $6,991,000 | $2,856,000 | $6,442,000 | $9,656,000 |
| Operating Activities | ||||
| Operating Cash Flow | $7,161,000 | $2,932,000 | $6,886,000 | $10,054,000 |
| Cash Flow From Continuing Operating Activities | $7,161,000 | $2,932,000 | $6,886,000 | $10,054,000 |
| Operating Gains Losses | $-123,000 | $-296,000 | $-340,000 | $-546,000 |
| Investing Activities | ||||
| Capital Expenditure | $-170,000 | $-76,000 | $-444,000 | $-398,000 |
| Investing Cash Flow | $-2,499,000 | $-3,945,000 | $-26,324,000 | $-183,789,000 |
| Cash Flow From Continuing Investing Activities | $-2,499,000 | $-3,945,000 | $-26,324,000 | $-183,789,000 |
| Net Other Investing Changes | $670,000 | $722,000 | $704,000 | $-1,786,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-130,000 | $-283,000 | $-2,402,000 | $-1,868,000 |
| Financing Cash Flow | $90,150,000 | $-5,036,000 | $11,292,000 | $47,981,000 |
| Cash Flow From Continuing Financing Activities | $90,150,000 | $-5,036,000 | $11,292,000 | $47,981,000 |
| Cash Dividends Paid | $-1,947,000 | $-1,948,000 | $-1,913,000 | $-2,031,000 |
| Common Stock Dividend Paid | $-1,947,000 | $-1,948,000 | $-1,913,000 | $-2,031,000 |
| Net Common Stock Issuance | $-130,000 | $-283,000 | $-2,402,000 | $-1,868,000 |
| Net Other Financing Charges | - | $666,000 | $436,000 | $-1,786,000 |
| Other | ||||
| Repayment Of Debt | $-19,000,000 | $-15,000,000 | $-43,000,000 | $0 |
| Interest Paid Supplemental Data | $22,721,000 | $26,424,000 | $16,337,000 | $4,305,000 |
| Income Tax Paid Supplemental Data | $1,925,000 | $831,000 | $2,400,000 | $2,010,000 |
| End Cash Position | $138,453,000 | $43,641,000 | $49,690,000 | $57,836,000 |
| Beginning Cash Position | $43,641,000 | $49,690,000 | $57,836,000 | $183,590,000 |
| Changes In Cash | $94,812,000 | $-6,049,000 | $-8,146,000 | $-125,754,000 |
| Proceeds From Stock Option Exercised | $151,000 | $269,000 | $395,000 | $223,000 |
| Common Stock Payments | $-130,000 | $-283,000 | $-2,402,000 | $-1,868,000 |
| Net Issuance Payments Of Debt | $-19,000,000 | $-15,000,000 | $-3,000,000 | $43,000,000 |
| Net Long Term Debt Issuance | $-19,000,000 | $-15,000,000 | $-3,000,000 | $43,000,000 |
| Long Term Debt Payments | $-19,000,000 | $-15,000,000 | $-43,000,000 | $0 |
| Net Investment Purchase And Sale | $538,000 | $420,000 | $2,076,000 | $-5,607,000 |
| Sale Of Investment | $538,000 | $420,000 | $2,076,000 | $999,000 |
| Net PPE Purchase And Sale | $-170,000 | $-38,000 | $-444,000 | $-398,000 |
| Sale Of PPE | $0 | $38,000 | $0 | - |
| Purchase Of PPE | $-170,000 | $-76,000 | $-444,000 | $-398,000 |
| Change In Working Capital | $230,000 | $-1,938,000 | $-346,000 | $-2,313,000 |
| Change In Other Current Liabilities | $25,000 | $-1,230,000 | $289,000 | $-1,164,000 |
| Change In Other Current Assets | $596,000 | $-637,000 | $-688,000 | $-478,000 |
| Change In Payables And Accrued Expense | $-91,000 | $-52,000 | $422,000 | $195,000 |
| Change In Payable | $-91,000 | $-52,000 | $422,000 | $195,000 |
| Change In Account Payable | $-91,000 | $-52,000 | $422,000 | $195,000 |
| Change In Receivables | $-300,000 | $-19,000 | $-369,000 | $-866,000 |
| Changes In Account Receivables | $-300,000 | $-19,000 | $-369,000 | $-866,000 |
| Other Non Cash Items | $-2,321,000 | $-1,284,000 | $-1,374,000 | $1,275,000 |
| Stock Based Compensation | $303,000 | $390,000 | $450,000 | $475,000 |
| Deferred Tax | $197,000 | $-123,000 | $-403,000 | $-469,000 |
| Deferred Income Tax | $197,000 | $-123,000 | $-403,000 | $-469,000 |
| Depreciation Amortization Depletion | $1,506,000 | $1,579,000 | $1,652,000 | $1,599,000 |
| Depreciation And Amortization | $1,506,000 | $1,579,000 | $1,652,000 | $1,599,000 |
| Depreciation | $1,506,000 | $1,579,000 | $1,652,000 | $1,599,000 |
| Gain Loss On Sale Of PPE | $137,000 | $-38,000 | $0 | - |
| Net Income From Continuing Operations | $7,158,000 | $4,640,000 | $7,439,000 | $8,804,000 |
| Issuance Of Debt | - | $0 | $40,000,000 | $43,000,000 |
| Long Term Debt Issuance | - | $0 | $40,000,000 | $43,000,000 |
| Purchase Of Investment | - | - | $0 | $-6,606,000 |
Fetched: 2026-06-16