Sound Financial Bancorp, Inc. SFBC
Last close
47.75
2026-09-04
Market cap
$122.6M
2026-06-30 share count
52-week range
40.68 - 49.21
Valuation FY2025 figures against the last close
P/S2.1x
P/E17.2x
P/FCF17.5x
EV/EBITDA—
Dividend yield1.6%
Diluted EPS2.77
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $57.6M | $57.4M | $50.6M | $39.8M | $33.9M | $34.9M | $34.6M | $33.2M | $27.4M | $25.1M |
| SG&A | $6.0M | $5.9M | $6.1M | $5.9M | $5.8M | $5.5M | $5.9M | $5.5M | $4.3M | $4.4M |
| Interest expense | $34.9M | $31.0M | $33.9M | $4.5M | $4.0M | $7.5M | $7.6M | $5.4M | $3.4M | $2.9M |
| Pre-tax income | $8.7M | $5.6M | $9.0M | $10.9M | $11.4M | $11.3M | $8.3M | $8.7M | $8.2M | $8.1M |
| Income tax | $1.5M | $1.0M | $1.6M | $2.1M | $2.3M | $2.4M | $1.7M | $1.7M | $3.1M | $2.7M |
| Net income | $7.2M | $4.6M | $7.4M | $8.8M | $9.2M | $8.9M | $6.7M | $7.0M | $5.1M | $5.4M |
| EPS, basic | 2.79 | 1.81 | 2.88 | 3.39 | 3.52 | 3.46 | 2.63 | 2.82 | 2.05 | 2.16 |
| EPS, diluted | 2.77 | 1.80 | 2.86 | 3.35 | 3.46 | 3.42 | 2.57 | 2.74 | 2.00 | 2.09 |
| Shares, diluted (wtd. avg.) | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $138.5M | $43.6M | $49.7M | $57.8M | $183.6M | $193.8M | $55.8M | $61.8M | $60.7M | $54.6M |
| Property, plant and equipment | $4.2M | $4.7M | $5.2M | $5.5M | $5.8M | $6.3M | $6.8M | $7.0M | $7.4M | $5.5M |
| Goodwill | $777.0K | $777.0K | $777.0K | — | — | — | — | — | — | — |
| Total assets | $1.09B | $993.6M | $995.2M | $976.4M | $919.7M | $861.4M | $719.9M | $716.7M | $645.2M | $588.4M |
| Total liabilities | $982.8M | $890.0M | $894.6M | $878.6M | $826.3M | $775.9M | $642.1M | $645.1M | $580.1M | $528.1M |
| Retained earnings | $81.5M | $76.3M | $73.6M | $70.8M | $65.2M | $58.2M | $51.4M | $46.2M | $40.5M | $36.9M |
| Total equity | $109.4M | $103.7M | $100.7M | $97.7M | $93.4M | $85.5M | $77.7M | $71.6M | $65.2M | $60.3M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $7.2M | $2.9M | $6.9M | $10.1M | $19.1M | -$484.0K | $11.1M | $10.3M | $6.8M | $7.1M |
| Depreciation and amortisation | $491.0K | $619.0K | $717.0K | $704.0K | $676.0K | $905.0K | $931.0K | $989.0K | $943.0K | $793.0K |
| Stock-based compensation | $303.0K | $390.0K | $450.0K | $475.0K | $360.0K | $338.0K | $267.0K | $273.0K | $523.0K | $525.0K |
| Capital expenditure | $170.0K | $76.0K | $444.0K | $398.0K | $225.0K | $407.0K | $654.0K | $641.0K | $2.5M | $1.0M |
| Investing cash flow | -$2.5M | -$3.9M | -$26.3M | -$183.8M | -$78.1M | $4.5M | -$5.8M | -$71.5M | -$36.1M | -$42.9M |
| Financing cash flow | $90.2M | -$5.0M | $11.3M | $48.0M | $48.8M | $134.0M | -$11.3M | $62.3M | $35.4M | $42.1M |
| Dividends paid | $1.9M | $1.9M | $1.9M | $2.0M | $2.0M | $2.1M | $1.4M | $1.4M | $1.5M | $745.0K |
| Buybacks | $0 | $65.0K | $2.1M | $1.7M | $152.0K | $73.0K | $0 | — | — | $0 |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001541119-26-000012.
Others in SIC 6035
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|---|---|---|---|---|
| AX | Axos Financial, Inc. | $5.56B | 11.6x | 23.5% |
| EBC | Eastern Bankshares, Inc. | $5.08B | 51.7x | 19.1% |
| TFSL | TFS Financial CORP | $4.93B | 54.9x | 4.0% |
| BKU | BankUnited, Inc. | $3.30B | 13.1x | 7.4% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | $3.09B | 10.6x | 7.1% |
| CFFN | Capitol Federal Financial, Inc. | $1.11B | 17.1x | 6.5% |
| HTB | HomeTrust Bancshares, Inc. | $788.8M | 12.7x | -2.1% |
| KRNY | Kearny Financial Corp. | $657.7M | 17.8x | -0.1% |