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Financials · SFBC

Sound Financial Bancorp Inc. (SFBC) financials

For the twelve months ended Jun 30, 2026, Sound Financial Bancorp Inc. reported $40.33M of revenue and $8.03M of net income.

Revenue, TTM
$40.33M
Revenue growth, YoY
+6.0%
Net income, TTM
$8.03M
Net income growth, YoY
+27.6%
Net margin
19.9%
Free cash flow, TTM
$7.33M
EPS, diluted, TTM
$3.12
EPS growth, YoY
+28.4%
Cash
$120.07M
P/E
14.39
P/S
2.87
Market cap
$115.6M
Annual revenue$38.89M
FY2016FY2025
Annual net income$7.16M
FY2016FY2025
Annual free cash flow$6.99M
FY2016FY2025

SFBC revenue and earnings growth

SFBC revenueQ2 2026$11.02M

Quarter YoY
+6.2%
QoQ
+10.7%
FY YoY
+9.1%
5Y CAGR
+2.2%
10Y CAGR
+4.5%

SFBC revenue was $11.02M in fiscal Q2 2026 (ended Jun 30, 2026), up 6.2% from a year earlier and up 10.7% from the prior quarter. For the full fiscal 2025 it was $38.89M, up 9.1% from fiscal 2024. Compound annual growth was +2.2% over 5 years and +4.5% over 10 years. It rose in 7 of the last 10 fiscal years.

SFBC net incomeQ2 2026$2.52M

Quarter YoY
+22.7%
QoQ
+59.8%
FY YoY
+54.3%
5Y CAGR
-4.3%
10Y CAGR
+4.1%

SFBC net income was $2.52M in fiscal Q2 2026 (ended Jun 30, 2026), up 22.7% from a year earlier and up 59.8% from the prior quarter. For the full fiscal 2025 it was $7.16M, up 54.3% from fiscal 2024. Compound annual growth was -4.3% over 5 years and +4.1% over 10 years. It rose in 5 of the last 10 fiscal years.

SFBC EPSQ2 2026$0.98

Quarter YoY
+24.1%
QoQ
+60.7%
FY YoY
+53.9%
5Y CAGR
-4.1%
10Y CAGR
+4.1%

SFBC diluted EPS was $0.98 in fiscal Q2 2026 (ended Jun 30, 2026), up 24.1% from a year earlier and up 60.7% from the prior quarter. For the full fiscal 2025 it was $2.77, up 53.9% from fiscal 2024. Compound annual growth was -4.1% over 5 years and +4.1% over 10 years.

SFBC free cash flowQ2 2026$166.0K

QoQ
-88.7%
FY YoY
+144.8%
10Y CAGR
+10.2%

SFBC free cash flow was $166.0K in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$518.0K a year earlier and down 88.7% from the prior quarter. For the full fiscal 2025 it was $6.99M, up 144.8% from fiscal 2024. Compound annual growth was +10.2% over 10 years. It rose in 1 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$38.89M$35.66M$38.86M$39.88M$37.25M$34.93M$30.99M$32.09M$27.94M$27.25M
Selling, general and admin$5.97M$5.89M$6.09M$5.88M$5.76M$5.46M$5.91M$5.47M$4.35M$4.36M
Interest expense--$16.76M$4.50M$3.95M$7.45M$7.62M$5.36M$3.37M$2.92M
Pre-tax income$8.67M$5.65M$9.00M$10.88M$11.43M$11.33M$8.33M$8.74M$8.19M$8.07M
Income tax$1.51M$1.01M$1.56M$2.07M$2.27M$2.39M$1.65M$1.71M$3.07M$2.69M
Net income$7.16M$4.64M$7.44M$8.80M$9.16M$8.94M$6.68M$7.04M$5.13M$5.38M
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
Diluted shares2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M2.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$138.45M$43.64M$49.69M$57.84M$183.59M$193.83M$55.77M$61.81M$60.68M$54.58M
Goodwill$777.0K$777.0K$777.0K-------
Total assets$1.09B$993.63M$995.22M$976.35M$919.69M$861.40M$719.85M$716.74M$645.24M$588.38M
Short-term debt-----$0----
Total liabilities$982.77M$889.97M$894.57M$878.65M$826.33M$775.92M$642.13M$645.11M$580.08M$528.11M
Shareholders' equity$109.40M$103.67M$100.65M$97.70M$93.36M$85.48M$77.73M$71.63M$65.16M$60.27M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$7.16M$2.93M$6.89M$10.05M$19.07M-$484.0K$11.06M$10.32M$6.82M$7.15M
Capital expenditures$170.0K$76.0K$444.0K$398.0K$225.0K$407.0K$654.0K$641.0K$2.47M$1.01M
Free cash flow$6.99M$2.86M$6.44M$9.66M$18.85M-$891.0K$10.41M$9.68M$4.35M$6.14M
Investing cash flow-$2.50M-$3.94M-$26.32M-$183.79M-$78.11M$4.50M-$5.79M-$71.50M-$36.11M-$42.90M
Financing cash flow$90.15M-$5.04M$11.29M$47.98M$48.80M$134.05M-$11.32M$62.30M$35.39M$42.07M
Dividends paid$1.95M$1.95M$1.91M$2.03M$2.04M$2.07M$1.43M$1.37M$1.50M$745.0K
Share repurchases$0$65.0K$2.14M$1.73M$152.0K$73.0K$0--$0
Stock-based compensation$303.0K$390.0K$450.0K$475.0K$360.0K$338.0K$267.0K$273.0K$523.0K$525.0K
Depreciation and amortization$491.0K$619.0K$717.0K$704.0K$676.0K$905.0K$931.0K$989.0K$943.0K$793.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY9.1%-8.2%-2.6%7.1%6.6%12.7%-3.4%14.9%2.5%9.1%
Net income growth, YoY54.3%-37.6%-15.5%-3.8%2.5%33.8%-5.1%37.3%-4.7%12.3%
EPS growth, YoY53.9%-37.1%-14.6%-3.2%1.2%33.1%-6.2%37.0%-4.3%12.4%
Net margin18.4%13.0%19.1%22.1%24.6%25.6%21.6%21.9%18.3%19.7%
Free cash flow margin18.0%8.0%16.6%24.2%50.6%-2.6%33.6%30.2%15.6%22.5%
Return on equity6.5%4.5%7.4%9.0%9.8%10.5%8.6%9.8%7.9%8.9%
Return on assets0.7%0.5%0.7%0.9%1.0%1.0%0.9%1.0%0.8%0.9%

Source: XBRL data Sound Financial Bancorp Inc. files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SFBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SFBC$40.33M+6.0%$8.03M19.9%$115.6M
HSBC$68.27B+3.7%$23.13B33.9%$298.91B
AX$1.55B+23.0%$507.67M32.7%$5.26B
EBC$1.19B+61.8%$381.02M32.1%$5.22B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
PFS$924.11M+8.6%$310.15M33.6%$3.16B
BKU$1.13B+5.4%$273.97M24.3%$3.14B
CFFN$229.25M+19.4%$82.83M36.1%$1.06B

SFBC FAQ

8 questions
  • What is SFBC revenue?
    Sound Financial Bancorp Inc. (SFBC) reported $40.33M of revenue for the twelve months ended Jun 30, 2026. That is up 6.0% from the year before. Revenue for fiscal 2025 was $38.89M.
  • Is SFBC profitable?
    Yes. Sound Financial Bancorp Inc. earned $8.03M in net income for the twelve months ended Jun 30, 2026, a net margin of 19.9%.
  • How much cash and debt does SFBC have?
    Sound Financial Bancorp Inc. reported $120.07M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is SFBC revenue growing?
    Sound Financial Bancorp Inc.'s revenue changed +9.1% in fiscal 2025, to $38.89M. Its compound annual growth rate was +2.2% over 5 years and +4.5% over 10 years.
  • What is SFBC free cash flow?
    Sound Financial Bancorp Inc. generated $7.33M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $7.53M less capital expenditures.
  • What is SFBC earnings per share?
    Diluted earnings per share were $3.12 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SFBC last report financial results?
    The latest statements here come from Sound Financial Bancorp Inc.'s 10-Q filed on Aug 10, 2026, covering the period ended Jun 30, 2026.
  • Where does this SFBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Sound Financial Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.