Pricing Log in Create free account
Friday 6 November 2026 Export SFBC’s income statement to Excel — free account

Sound Financial Bancorp, Inc.

SFBC Financial Banks Regional

Sound Financial Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $61.5 million, down 0.82% from fiscal 2024.

Revenue
+1.50%
EPS
+22.5%
Free cash flow
+132.1%
Total debt
−78.7%

Quarter to June 2026, against a year earlier

44.79 0.27 −0.60%
Market cap
$115.8M
P/E
14.4×
Fwd P/E
—
Dividend yield
2.30%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.12
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — 1 — — 1 — —
Insider Ownership 15.76%

Capital & Financial Ratios $m

Size
Market Cap 115.79
Revenue ttm 62.33
Net income ttm 8.03
Free cash flow ttm 7.33
Net debt Q (112.25)
Valuation
P/E 14.36
Forward P/E —
Price / sales 1.84
Forward P/S Powerpack
Price / FCF 15.66
Price / book 1.02
Financial health
Current ratio Q 1.08
Debt / equity Q 0.07
Interest coverage Q —
Growth
Revenue growth Q +1.50% (above 0%: growing)
Operating income growth Q +22.64% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs −4.24% (below 0%: weak)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 66.94%
10-year low 10-year high
P/S against its own 10 years 18.55%
10-year low 10-year high
P/B against its own 10 years 24.85%
10-year low 10-year high

Dividends

Yield
2.30%
Annual rate
1.03
Payout ratio
33.0%
Growth, 2018–26
+5.68%/yr
  1. 0.54 ’18
  2. 0.56 ’19 +4
  3. 0.60 ’20 +7
  4. 0.51 ’21 −15
  5. 0.51 ’22 +0
  6. 0.74 ’23 +45
  7. 0.76 ’24 +3
  8. 0.76 ’25 +0
  9. 0.84 ’26 +11
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 50 44 138 120
Receivables — — — —
Inventory — — — —
Other — — — —
939 939 1,040 1,009
2023 2024 2025 Q'26
Payables 827 838 949 931
ST’ Debt — — — —
Other — — — —
827 839 950 932

Compound Annual Growth %

10y 5y 3y
Sales 8.30% 7.74% 11.50%
Cash Flow 6.68% 0.00% (10.69%)
Earnings 4.06% (4.41%) (6.57%)
Book Value 7.21% 5.06% 3.84%

EPS $

Mar Jun Sep Dec Year
’26 0.61 0.98 — — —
’25 0.45 0.79 0.66 0.87 2.77
’24 0.30 0.31 0.45 0.74 1.80
’23 0.83 1.11 0.45 0.47 2.86
’22 0.65 0.61 0.97 1.12 3.35
’21 0.93 0.85 0.98 0.70 3.46
’20 0.38 0.82 0.90 1.34 3.44
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 15 16 — — —
’25 15 16 16 15 62
’24 15 15 16 16 62
’23 13 14 14 14 56
’22 10 10 12 13 44
’21 11 10 11 10 41
’20 9 10 11 12 42
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 2 0 — — —
’25 2 0 4 2 7
’24 4 (4) 3 0 3
’23 2 0 3 2 7
’22 3 3 0 5 10
’21 8 6 (2) 7 19
’20 (3) 1 (7) 9 0
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1 0 — — —
’25 2 (1) 4 2 7
’24 2 (2) 3 0 3
’23 2 0 3 2 6
’22 3 3 0 4 10
’21 8 6 (2) 7 19
’20 (4) 1 (7) 9 (1)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 30 31 37 39 42 41 44 56 62 62 62 +8.2% — — — —
Gross margin, % 90.32 89.24 85.69 80.27 82.42 90.40 89.86 69.87 57.48 63.22 64.69 (27.1) pt
EBT 8 8 9 8 11 11 11 9 6 9 10 +0.8%
EBT margin, % 26.76 26.17 23.35 21.58 26.73 27.74 24.51 16.18 9.10 14.10 15.64 (12.7) pt
Net income 5 5 7 7 9 9 9 7 5 7 8 +3.2%
Per share, $
Per share, $ Revenue 12.13 12.50 14.99 15.28 16.54 15.95 17.21 21.71 24.39 24.07 24.31 +7.9%
Earnings 2.16 2.05 2.82 2.64 3.46 3.54 3.40 2.88 1.81 2.78 3.12 +2.8%
Cash flow 2.87 2.73 4.13 4.38 (0.19) 7.38 3.90 2.69 1.15 2.80 2.94 (0.3%)
Capex (0.40) (0.99) (0.26) (0.26) (0.16) (0.09) (0.15) (0.17) (0.01) (0.07) (0.08) (18.2%)
Free cash flow 2.47 1.74 3.88 4.12 (0.35) 7.30 3.75 2.51 1.14 2.74 2.86 +1.1%
Book value 24.24 26.02 28.67 30.76 33.35 36.14 37.90 39.29 40.77 42.80 43.90 +6.5%
Shares, m 2 3 2 3 3 3 3 3 3 3 3 +0.3%
Valuation, ×
Valuation, × P/E 12.72 16.24 11.54 13.64 9.18 12.43 11.55 13.61 29.09 15.69 14.36 14.6
P/S 2.28 2.66 2.17 2.36 1.92 2.76 2.28 1.81 2.16 1.81 1.84 2.2
P/B 1.14 1.28 1.14 1.17 0.95 1.22 1.04 1.00 1.29 1.02 1.02 1.1
EV/Sales 2.28 2.61 2.76 1.11 (2.38) (1.41) 2.21 1.84 2.05 (0.15) — 1.1
EV/FCF 11.21 18.78 10.69 4.10 113.20 (3.09) 10.16 15.91 43.89 (1.31) — 22.4
Cash, $m
Cash, $m Operating cash flow 7 7 10 11 0 19 10 7 3 7 8 0.0%
Capex (1) (2) (1) (1) 0 0 0 0 0 0 0 (17.9%)
Free cash flow 6 4 10 10 (1) 19 10 6 3 7 7 +1.5%
Balance, $m
Balance, $m Working capital 85 93 125 56 67 70 110 112 101 90 77 +0.7%
Net debt 0 (2) 22 (48) (182) (172) (3) 2 (7) (121) (112) n/m
Shareholders’ equity 60 65 72 78 85 93 98 101 104 109 113 +6.8%
Returns, %
Returns, % ROA 0.95 0.83 1.03 0.93 1.13 1.03 0.92 0.75 0.46 0.68 0.75 (0.3) pt
ROIC 8.34 8.07 5.83 17.67 0.00 0.00 7.19 5.48 3.65 0.00 1,916.08 (8.3) pt
ROE 9.37 8.17 10.29 8.94 10.95 10.24 9.15 7.45 4.51 6.69 7.33 (2.7) pt
People
People Employees 106 121 119 132 120 136 140 146 123 122 — +1.6%
Revenue/emp, $m 0.28 0.26 0.31 0.29 0.35 0.30 0.32 0.38 0.50 0.50 — +6.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Sound Financial Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WSBK Winchester Bancorp, Inc. $122.3M 26.1× — +22.45% (above 0%: growing) +28.36% (above 0%: growing) +27.84% (above 0%: growing) 52.35% 0.00% Compare
RVSB Riverview Bancorp Inc $120.8M — (loss-making) 20.7× +6.30% (above 0%: growing) +33.33% (above 0%: growing) +342.43% (above 0%: growing) 75.12% 0.00% Compare
BSBK Bogota Financial Corporation $119.9M 44.7× 29.2× −5.42% (below 0%: shrinking) +200.00% (above 0%: growing) +11.78% (above 0%: growing) 43.91% 0.00% Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00%
PROV Provident Financial Holdings, Inc. $112.7M 17.6× 14.9× +3.82% (above 0%: growing) −3.85% (below 0%: shrinking) +73.57% (above 0%: growing) 68.08% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.7× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.6× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.6× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
Median of peers $112.6M 13.6× 14.9× +7.58% +28.36% +47.62% 65.94% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 15 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 884.38k 882.22k 116.85
2024 1.01m 1.02m 138.59
2023 1.02m 1.02m 101.20

Ownership

Directors and executive officers, together 12.30%
Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., Stilwell Partners, L.P., Stilwell Value Partners VII, L.P., Stilwell Value LLC and Joseph Stilwell (collectively, the “Stilwell Group”) 16.00%
Sound Financial Bancorp, Inc. Employee Stock Ownership Plan 7.30%
AllianceBernstein L.P. 6.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Sound Financial Bancorp, Inc. (SFBC) Latest News

29 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 3 · · GlobeNewswire

5 Oct

Impact 3 · · GlobeNewswire

28 Jul

Impact 3 ·

28 Apr

Impact 4 · · GlobeNewswire

13 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

12 Feb

Impact 4 · · Simply Wall St.

9 Feb

Impact 4 · · Simply Wall St.

5 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

4 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

1 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

28 Jan

Impact 4 · · Simply Wall St.

27 Jan

Impact 4 · · GlobeNewswire
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

26 Jan

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

23 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

22 Jan

Impact 3 · · Simply Wall St.

21 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

19 Jan

Impact 4 · · Simply Wall St.

15 Jan

Impact 4 · · Simply Wall St.

14 Jan

Impact 4 ·
stockrow.com/SFBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com