Sound Financial Bancorp, Inc. SFBC

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

Last close 44.80 2026-10-23
Market cap $115.0M 2026-06-30 share count
52-week range 40.68 - 49.21

Valuation FY2025 figures against the last close

P/S2.0x
P/E16.2x
P/FCF16.5x
EV/EBITDA—
Dividend yield1.7%
Diluted EPS2.77

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 2.791.812.883.393.523.462.632.822.052.16
EPS, diluted 2.771.802.863.353.463.422.572.742.002.09
Shares, diluted (wtd. avg.) 2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2016: 25.1M Net income, FY2016: 5.4M Revenue, FY2017: 27.4M Net income, FY2017: 5.1M Revenue, FY2018: 33.2M Net income, FY2018: 7M Revenue, FY2019: 34.6M Net income, FY2019: 6.7M Revenue, FY2020: 34.9M Net income, FY2020: 8.9M Revenue, FY2021: 33.9M Net income, FY2021: 9.2M Revenue, FY2022: 39.8M Net income, FY2022: 8.8M Revenue, FY2023: 50.6M Net income, FY2023: 7.4M Revenue, FY2024: 57.4M Net income, FY2024: 4.6M Revenue, FY2025: 57.6M Net income, FY2025: 7.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $25.1M $27.4M $33.2M $34.6M $34.9M $33.9M $39.8M $50.6M $57.4M $57.6M
Gross profit — — — — — — — — — —
Net income $5.4M $5.1M $7.0M $6.7M $8.9M $9.2M $8.8M $7.4M $4.6M $7.2M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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