Sound Financial Bancorp, Inc. SFBC R2K

Financial Services · Banks - Regional · United States

https://www.soundcb.com

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.

Market & Price

Market Cap

$99.27M

Current Price

$41.73

High / Low (52W)

$49.18 / $40.86

Beta

0.01

Valuation

Stock P/E

14.24

Industry PE

12.01

Forward P/E

PEG Ratio

Book Value

$42.76

Price to Book

0.98

P/S

2.53

EV/EBITDA

Dividend Yield

2.01%

Profitability & Returns

ROCE

ROE

7.04%

ROA

0.69%

Profit Margin

19.29%

Op Margin

21.98%

EPS (Latest Qtr)

$0.61

EPS (TTM)

$2.93

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$21.18M

Total Assets

$1.09B

Current Assets

Working Capital

Ownership

Promoter Holding

17.22%

Chg in Prom Hold

FII / Inst Holding

48.97%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$-10.12M

Total Revenue (TTM)

$39.23M

EBITDA

Free Cash Flow

Operating Cash Flow

$6.81M

Shares Outstanding

2.38M

Gross Margin

0.00%

Payout Ratio

26.62%

Growth (CAGR)

Revenue 5Y

-0.86%

Profit 5Y

-6.67%

Revenue (YoY)

4.90%

Earnings (YoY)

35.60%

PROS

No notable strengths flagged.

CONS

Revenue declined at -0.9% CAGR over 5 years.
Earnings shrank at -6.7% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SFBC Sound Financial Bancorp, Inc. R2K	41.73	14.24	$99.27M	2.01%	-	7.04%	-0.86%	-6.67%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.17M	10.37M	9.81M	9.51M	9.95M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.63M	5.66M	5.71M	5.62M	5.42M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.46M	2.54M	2.09M	2.58M	1.96M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	291.00K	488.00K	395.00K	339.00K	384.00K
Net Income	1.14M	994.00K	987.00K	1.22M	1.24M	1.21M	1.25M	1.11M	1.11M	1.25M	1.45M	1.41M	1.30M	1.22M	1.60M	1.97M	1.83M	1.44M	1.82M	1.55M	981.00K	2.13M	2.33M	2.45M	2.25M	2.59M	1.72M	1.61M	2.55M	2.17M	2.89M	1.17M	770.00K	795.00K	1.15M	1.17M	2.05M	1.70M	2.24M	1.58M
Diluted EPS	0.43	0.38	0.38	0.47	0.47	0.46	0.48	0.44	0.43	0.49	0.57	0.54	0.50	0.48	0.63	0.77	0.71	0.56	0.71	0.60	0.38	0.82	0.90	0.93	0.85	0.98	0.65	0.61	0.97	0.83	1.11	0.45	0.30	0.31	0.45	0.45	0.79	0.66	0.87	0.61

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	39.88M	38.84M	35.69M	38.85M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	4.50M	16.76M	26.37M	22.63M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	10.88M	9.00M	5.65M	8.67M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	2.07M	1.56M	1.01M	1.51M
Net Income	1.55M	2.64M	3.94M	4.24M	4.79M	5.38M	5.12M	7.04M	6.68M	8.94M	-	8.80M	7.44M	4.64M	7.16M
Diluted EPS	0.59	1.00	1.49	1.63	1.86	2.09	2.00	2.74	2.57	3.42	-	3.41	3.13	1.94	3.01

Compounded Sales Growth

5 Years:	-0.86%
1 Year:	4.90%

Compounded Profit Growth

5 Years:	-6.67%
1 Year:	35.60%

Stock Price Performance

1 Year:	-15.00%
6 Months:	-5.43%
3 Months:	-1.25%
1 Month:	+1.92%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	339.74M	381.04M	442.61M	495.19M	540.76M	588.38M	645.24M	716.74M	719.85M	861.40M	919.69M	976.35M	995.22M	993.63M	1.09B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	9.09M	17.03M	12.73M	15.33M	29.29M	48.26M	54.58M	60.68M	61.81M	55.77M	193.83M	183.59M	57.84M	49.69M	43.64M	138.45M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	3.08M	3.45M	3.47M	3.77M
Total Liabilities	-	311.03M	337.59M	396.11M	444.54M	486.24M	528.11M	580.08M	645.11M	642.13M	775.92M	826.33M	878.65M	894.57M	889.97M	982.77M
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	40.44M	-	-	-	-	-	-	11.68M	36.72M	36.76M	17.80M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	60.12M	56.54M	40.77M	21.47M
Total Equity	26.90M	28.71M	43.46M	46.50M	50.64M	54.52M	60.27M	65.16M	71.63M	77.73M	85.48M	93.36M	97.70M	100.65M	103.67M	109.40M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	2.58M	2.55M	2.56M	2.57M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	7.23M	10.21M	7.77M	-	-	7.15M	6.82M	10.32M	11.06M	-484.00K	-	10.05M	6.89M	2.93M	7.16M
Investing Cash Flow	-4.61M	-51.77M	-61.52M	-	-	-42.90M	-36.11M	-71.50M	-5.79M	4.50M	-	-183.79M	-26.32M	-3.94M	-2.50M
Financing Cash Flow	5.31M	37.26M	56.36M	-	-	42.07M	35.39M	62.30M	-11.32M	134.05M	-	47.98M	11.29M	-5.04M	90.15M
Capital Expenditure	-187.00K	-265.00K	-343.00K	-3.97M	-1.11M	-1.01M	-2.47M	-641.00K	-654.00K	-407.00K	-	-398.00K	-444.00K	-76.00K	-170.00K
Free Cash Flow	7.04M	9.94M	7.42M	-	-	6.14M	4.35M	9.68M	10.41M	-891.00K	-	9.66M	6.44M	2.86M	6.99M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-125.75M	-8.15M	-6.05M	94.81M
Share Buybacks	-	-	1.20M	904.00K	1.26M	0	-	-	0	73.00K	152.00K	1.73M	2.14M	65.00K	0
Dividends Paid	-	0	388.00K	-	-	-	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	22.1%	19.2%	13.0%	18.4%
ROE %	5.4%	6.1%	8.5%	8.4%	8.8%	8.9%	7.9%	9.8%	8.6%	10.5%	-	9.0%	7.4%	4.5%	6.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

17.22%

Institutions

48.97%

Public Float

59.16%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Stilwell Value LLC	15.98%	410.02K	$17.11M
2	Alliancebernstein L.P.	7.01%	179.87K	$7.51M
3	Graham Capital Wealth Management, LLC	4.23%	108.62K	$4.53M
4	Vanguard Capital Management LLC	4.02%	103.16K	$4.30M
5	Blackrock Inc.	3.95%	101.30K	$4.23M
6	Kennedy Capital Management, LLC	2.04%	52.37K	$2.19M
7	Geode Capital Management, LLC	1.69%	43.27K	$1.81M
8	Pacific Sage Partners, LLC	1.41%	36.19K	$1.51M
9	Oppenheimer & Close, LLC	1.27%	32.65K	$1.36M
10	State Street Corporation	0.85%	21.86K	$912.01K

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