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Friday 6 November 2026
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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
15.69 | 29.09 | 13.61 | 11.55 | 12.43 | 9.18 | 13.64 | 11.54 | 16.24 | 12.72 |
Piotroski F-Score |
6 | 5 | 5 | 6 | 5 | 3 | 4 | 7 | 5 | 7 |
P/S ratio |
1.81 | 2.16 | 1.81 | 2.28 | 2.76 | 1.92 | 2.36 | 2.17 | 2.66 | 2.28 |
P/FCF ratio |
15.95 | 46.26 | 15.59 | 10.48 | 6.03 | 0.00 | 8.74 | 8.40 | 19.17 | 11.18 |
P/Operating CF |
55.62 | 875.09 | 47.34 | 22.05 | 16.18 | 8.94 | 23.69 | 92.19 | 98.33 | 32.38 |
P/B ratio |
1.02 | 1.29 | 1.00 | 1.04 | 1.22 | 0.95 | 1.17 | 1.14 | 1.28 | 1.14 |
Price to Tangible BV |
1.02 | 1.29 | 1.00 | 1.04 | 1.22 | 0.95 | 1.17 | 1.14 | 1.28 | 1.14 |
EV/Sales |
(0.15) | 2.05 | 1.84 | 2.21 | (1.41) | (2.38) | 1.11 | 2.76 | 2.61 | 2.28 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(1.28) | 43.32 | 14.88 | 9.76 | (3.06) | 208.39 | 3.86 | 10.02 | 11.97 | 9.63 |
EV/FCF |
(1.31) | 43.89 | 15.91 | 10.16 | (3.09) | 113.20 | 4.10 | 10.69 | 18.78 | 11.21 |
Quick Ratio |
0.15 | 0.05 | 0.06 | 0.07 | 0.23 | 0.26 | 0.09 | 0.11 | 0.12 | 0.12 |
Current Ratio |
1.09 | 1.12 | 1.14 | 1.14 | 1.09 | 1.09 | 1.09 | 1.23 | 1.18 | 1.18 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.63% | 3.70% | 5.20% | 5.60% | 1.26% | 1.35% | 1.04% | 11.72% | 9.14% | 9.31% |
Debt/Equity |
0.16 | 0.35 | 0.51 | 0.56 | 0.12 | 0.14 | 0.10 | 1.17 | 0.91 | 0.91 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 |
Operating CF/Net income |
1.00 | 0.64 | 0.93 | 1.15 | 2.08 | (0.05) | 1.66 | 1.47 | 1.33 | 1.33 |
Capex/Depreciation |
(0.11) | (0.02) | (0.26) | (0.24) | (0.13) | (0.21) | (0.42) | (0.62) | (2.63) | (1.20) |
| 6.69% | 4.51% | 7.45% | 9.15% | 10.24% | 10.95% | 8.94% | 10.29% | 8.17% | 9.37% | |
| 0.68% | 0.46% | 0.75% | 0.92% | 1.03% | 1.13% | 0.93% | 1.03% | 0.83% | 0.95% | |
ROIC |
0.00% | 3.65% | 5.48% | 7.19% | 0.00% | 0.00% | 17.67% | 5.83% | 8.07% | 8.34% |
Return on Tangible Assets |
7.56% | 4.37% | 6.30% | 7.56% | 12.00% | 12.25% | 10.58% | 5.32% | 5.09% | 5.96% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
49.12% | 48.38% | 53.68% | 65.35% | 62.67% | 55.69% | 58.69% | 62.34% | 63.07% | 63.56% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.49% | 0.63% | 0.81% | 1.07% | 0.87% | 0.80% | 0.69% | 0.73% | 1.67% | 1.74% |
Graham Net Nets |
0.51 | 0.37 | 0.45 | 0.40 | 0.38 | 0.48 | 0.34 | 0.42 | 0.33 | 0.35 |
Graham Number |
51.74 | 40.75 | 50.46 | 53.85 | 53.65 | 50.96 | 42.74 | 42.65 | 34.65 | 34.40 |
Earnings Yield |
6.37% | 3.44% | 7.35% | 8.66% | 8.05% | 10.90% | 7.33% | 8.66% | 6.16% | 7.86% |
Free Cash Flow Yield |
6.27% | 2.16% | 6.41% | 9.54% | 16.58% | (1.09%) | 11.44% | 11.91% | 5.22% | 8.95% |
Revenue per Share |
24.07 | 24.39 | 21.71 | 17.21 | 15.95 | 16.54 | 15.28 | 14.99 | 12.50 | 12.13 |
Operating CF per Share |
2.80 | 1.15 | 2.69 | 3.90 | 7.38 | (0.19) | 4.38 | 4.13 | 2.73 | 2.87 |
Capex per Share |
(0.07) | (0.01) | (0.17) | (0.15) | (0.09) | (0.16) | (0.26) | (0.26) | (0.99) | (0.40) |
Free Cash Flow per Share |
2.74 | 1.14 | 2.51 | 3.75 | 7.30 | (0.35) | 4.12 | 3.88 | 1.74 | 2.47 |
Cash per Share |
54.17 | 17.16 | 19.40 | 22.43 | 71.08 | 75.63 | 22.07 | 24.74 | 24.23 | 21.95 |
Shareholders Equity per Share |
42.80 | 40.77 | 39.29 | 37.90 | 36.14 | 33.35 | 30.76 | 28.67 | 26.02 | 24.24 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
42.80 | 40.77 | 39.29 | 37.90 | 36.14 | 33.35 | 30.76 | 28.67 | 26.02 | 24.24 |
Free Cash Flow |
6.99 | 2.89 | 6.44 | 9.66 | 18.85 | (0.89) | 10.41 | 9.68 | 4.35 | 6.14 |
Working Capital |
90.15 | 100.71 | 112.11 | 110.14 | 70.47 | 66.70 | 56.34 | 125.30 | 93.31 | 84.64 |
Capital Expenditures |
(0.17) | (0.04) | (0.44) | (0.40) | (0.22) | (0.41) | (0.65) | (0.64) | (2.47) | (1.01) |
Net Current Asset Value |
56.92 | 49.30 | 44.90 | 40.66 | 42.66 | 39.13 | 31.16 | 33.93 | 27.70 | 24.34 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.08 | 0.03 |
Price to Operating Income |
12.86 | 23.71 | 11.16 | 9.31 | 9.95 | 7.18 | 10.92 | 9.30 | 10.18 | 8.50 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.38 | 0.35 | 0.33 | 0.30 | 0.30 | 0.32 | 0.23 | 0.15 | 0.13 | 0.15 |
Cash ROIC |
2.63% | 1.57% | 3.19% | 4.59% | 6.53% | (0.31%) | 7.38% | 4.45% | 2.35% | 3.62% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
15,304.44 | 11,595.50 | 18,001.48 | 65,599.67 | 73,694.18 | 36,646.05 | 29,552.59 | 37,698.58 | 55,747.03 | 58,486.40 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
893.34 | 832.17 | 817.65 | 803.54 | 773.15 | 682.35 | 585.16 | 534.00 | 491.07 | 453.88 |
Average Assets |
1,042.90 | 994.43 | 985.79 | 948.02 | 890.55 | 790.63 | 718.29 | 680.99 | 616.81 | 564.57 |
Average Common Equity |
106.53 | 102.16 | 99.18 | 95.53 | 89.42 | 81.61 | 74.68 | 68.39 | 62.72 | 57.40 |
Columns are period end dates