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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. 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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Sound Financial Bancorp, Inc. (SFBC) Latest News

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