Saturday 17 October 2026 Export SFBC’s income statement to Excel — free account

Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $61.5 million, down 0.82% from fiscal 2024. In the quarter to June 2026, revenue grew 1.50%, EPS grew 22.5%, free cash flow grew 132.1% and total debt fell 78.7%, each against the same quarter a year earlier. Dividend growth for three consecutive years.

43.51 0.02 −0.05%

Follow SFBC

Alert me

Market cap: $111.8M
P/E: 13.9×
Fwd P/E: —
Dividend yield: 1.88%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.12

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	1	—	—	1	—	—	1	—

Insider Ownership 15.76%

Capital & Financial Ratios $m

Market Cap 111.79

Revenue 62.33

Net Income 8.03

Free Cash Flow 7.33

Net Debt (112.25)

Current Ratio 1.08

Debt/Equity 0.07

P/E ratio 13.95

Fwd P/E —

P/S ratio 1.79

P/B ratio 0.99

Past 5Y EPS Growth (4.24%)

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 61.67%

10-year low 10-year high

P/S against its own 10 years 10.95%

10-year low 10-year high

P/B against its own 10 years 18.21%

10-year low 10-year high

Dividends

Payout Ratio 0.26

Annual Dividend Rate 0.82

Annual Dividend Yield 1.88%

	total	individual payouts
2026	0.63	0.21 0.21 0.21
2025	0.76	0.19 0.19 0.19 0.19
2024	0.76	0.19 0.19 0.19 0.19
2023	0.74	0.17 0.19 0.19 0.19
2022	0.51	0.10 0.17 0.17 0.17
2021	0.68	0.17 0.17 0.17 0.17
2020	0.45	0.20 0.15 0.15 0.15
2019	0.56	0.14 0.14 0.14 0.14
2018	0.54	0.12 0.14 0.14 0.14
2017	0.30	0.10 0.10 0.20 0.10
2016	0.30	0.08 0.08 0.08 0.08

special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	21.29	27.15	32.01	32.97	17.00	31.13	36.00	33.27	39.00	42.75	Analyst estimates 2026–2028 Powerpack
	High	30.18	34.75	40.87	38.23	37.79	48.39	45.00	40.95	55.99	55.00
People
People	Employees	106	121	119	132	120	136	140	146	123	122
	Revenue/emp, $m	0.28	0.26	0.31	0.29	0.35	0.30	0.32	0.38	0.50	0.50
Income, $m
Income, $m	Revenue	30	31	37	39	42	41	44	56	62	62
	Gross margin, %	90.32	89.24	85.69	80.27	82.42	90.40	89.86	69.87	57.48	63.22
	EBT	8	8	9	8	11	11	11	9	6	9
	EBT margin, %	26.76	26.17	23.35	21.58	26.73	27.74	24.51	16.18	9.10	14.10
	Net income	5	5	7	7	9	9	9	7	5	7
	Depreciation	1	1	1	2	2	2	2	2	2	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
	Earnings	2.16	2.05	2.82	2.64	3.46	3.54	3.40	2.88	1.81	2.78
	Cash flow	2.87	2.73	4.13	4.38	(0.19)	7.38	3.90	2.69	1.15	2.80
	Capex	(0.40)	(0.99)	(0.26)	(0.26)	(0.16)	(0.09)	(0.15)	(0.17)	(0.01)	(0.07)
	Free cash flow	2.47	1.74	3.88	4.12	(0.35)	7.30	3.75	2.51	1.14	2.74
	Book value	24.24	26.02	28.67	30.76	33.35	36.14	37.90	39.29	40.77	42.80
	Shares, m	2	3	2	3	3	3	3	3	3	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
	P/S	2.28	2.66	2.17	2.36	1.92	2.76	2.28	1.81	2.16	1.81
	P/B	1.14	1.28	1.14	1.17	0.95	1.22	1.04	1.00	1.29	1.02
	EV/Sales	2.28	2.61	2.76	1.11	(2.38)	(1.41)	2.21	1.84	2.05	(0.15)
	EV/FCF	11.21	18.78	10.69	4.10	113.20	(3.09)	10.16	15.91	43.89	(1.31)
Cash, $m
Cash, $m	Operating cash flow	7	7	10	11	0	19	10	7	3	7
	Capex	(1)	(2)	(1)	(1)	0	0	0	0	0	0
	Free cash flow	6	4	10	10	(1)	19	10	6	3	7
Balance, $m
Balance, $m	Working capital	85	93	125	56	67	70	110	112	101	90
	Total debt	55	59	84	8	12	12	55	52	37	18
	Net debt	0	(2)	22	(48)	(182)	(172)	(3)	2	(7)	(121)
	Shareholders’ equity	60	65	72	78	85	93	98	101	104	109
Returns, %
Returns, %	ROA	0.95	0.83	1.03	0.93	1.13	1.03	0.92	0.75	0.46	0.68
	ROIC	8.34	8.07	5.83	17.67	0.00	0.00	7.19	5.48	3.65	0.00
	ROE	9.37	8.17	10.29	8.94	10.95	10.24	9.15	7.45	4.51	6.69

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%	Compare
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%	Compare
SFBC Sound Financial Bancorp, Inc.	$111.8M	13.9×	—	+1.50% (above 0%: growing)	+22.50% (above 0%: growing)	+132.05% (above 0%: growing)	67.71%	0.00%
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%	Compare
PNBK Patriot National Bancorp Inc.	$105.1M	— (loss-making)	12.1×	+44.21% (above 0%: growing)	n/m	−716.54% (below 0%: shrinking)	61.76%	0.00%	Compare
Median of peers	$112.7M	17.4×	12.6×	+13.03%	+34.52%	+38.69%	61.36%	0.00%

All 323 Banks Regional stocks →

Sound Financial Bancorp, Inc. (SFBC) key facts

Concern: Sound Financial Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $61.5 million, down 0.82% from fiscal 2024.
Strength: Net income was $7.2 million, or $2.78 per share (basic), a net margin of 11.6%.
Sound Financial Bancorp, Inc. (SFBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, SFBC traded at $43.51, a market capitalization of $111.8 million.
At that price the stock trades at 13.9× trailing-twelve-month earnings and 1.8× sales; its P/E is higher than 62% of its own readings over the past ten years.
Sound Financial Bancorp, Inc. pays an annual dividend of $0.82 per share, a yield of 1.88%, with a payout ratio of 26.3%.
Return on equity was 6.69% and debt-to-equity 0.07.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.