Sound Financial Bancorp, Inc.
SFBC Nasdaq Savings Institution, Federally Chartered Financials FY2016–FY2025
Revenue
Total sales reported in the income statement.
$38.9M
9.1%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
77.4%
7.1 pts
Net income
Profit after all expenses, interest and tax.
$7.2M
54.3%
Return on equity
Net income as a share of average shareholders' equity.
6.7%
2.2 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $3.12 EPS (TTM)
What Sound Financial Bancorp, Inc. does
No business description yet.
- Legal name
- Sound Financial Bancorp, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Accession · CIK
- 0001541119-26-000008
0001541119
Revenue and margins
Sound Financial Bancorp, Inc. had $38.9M of revenue in fiscal 2025, up 9.1% on the year before.
FY16
Revenue $27.2M
FY17
Revenue $27.9M
FY18
Revenue $32.1M
FY19
Revenue $31.0M
FY20
Revenue $34.9M
FY21
Revenue $37.2M
FY22
Revenue $39.9M
FY23
Revenue $38.9M
FY24
Revenue $35.7M
FY25
Revenue $38.9M
Q3 '23
Revenue $9.2M
Q4 '23
Revenue $8.6M
Q1 '24
Revenue $8.6M
Q2 '24
Revenue $8.6M
Q3 '24
Revenue $9.1M
Q4 '24
Revenue $9.4M
Q1 '25
Revenue $9.2M
Q2 '25
Revenue $10.4M
Q3 '25
Revenue $9.8M
Q4 '25
Revenue $9.5M
Q1 '26
Revenue $10.0M
Q2 '26
Revenue $11.0M
FY16
Net interest share 81.2%
Efficiency ratio 68.7%
FY17
Net interest share 86.2%
Efficiency ratio 68.9%
FY18
Net interest share 86.6%
Efficiency ratio 71.1%
FY19
Net interest share 87.0%
Efficiency ratio 73.5%
FY20
Net interest share 78.7%
Efficiency ratio 64.9%
FY21
Net interest share 80.3%
Efficiency ratio 68.2%
FY22
Net interest share 88.5%
Efficiency ratio 69.8%
FY23
Net interest share 87.1%
Efficiency ratio 77.5%
FY24
Net interest share 86.9%
Efficiency ratio 84.5%
FY25
Net interest share 89.8%
Efficiency ratio 77.4%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 88.3%
Efficiency ratio 83.4%
Q4 '23
Net interest share 87.7%
Efficiency ratio 84.6%
Q1 '24
Net interest share 87.2%
Efficiency ratio 89.5%
Q2 '24
Net interest share 86.5%
Efficiency ratio 89.9%
Q3 '24
Net interest share 86.4%
Efficiency ratio 84.3%
Q4 '24
Net interest share 87.6%
Efficiency ratio 75.2%
Q1 '25
Net interest share 88.0%
Efficiency ratio 86.3%
Q2 '25
Net interest share 89.2%
Efficiency ratio 73.9%
Q3 '25
Net interest share 91.0%
Efficiency ratio 78.2%
Q4 '25
Net interest share 90.9%
Efficiency ratio 71.8%
Q1 '26
Net interest share 90.9%
Efficiency ratio 79.1%
Q2 '26
Net interest share 87.0%
Efficiency ratio 73.8%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 3.2% a year. Loss periods are shown in red.
FY16
Net income $5.4M
FY17
Net income $5.1M
FY18
Net income $7.0M
FY19
Net income $6.7M
FY20
Net income $8.9M
FY21
Net income $9.2M
FY22
Net income $8.8M
FY23
Net income $7.4M
FY24
Net income $4.6M
FY25
Net income $7.2M
Q3 '23
Net income $1.2M
Q4 '23
Net income $1.2M
Q1 '24
Net income $0.8M
Q2 '24
Net income $0.8M
Q3 '24
Net income $1.2M
Q4 '24
Net income $1.9M
Q1 '25
Net income $1.2M
Q2 '25
Net income $2.1M
Q3 '25
Net income $1.7M
Q4 '25
Net income $2.2M
Q1 '26
Net income $1.6M
Q2 '26
Net income $2.5M
FY16
Diluted EPS $2.09
FY17
Diluted EPS $2.00
FY18
Diluted EPS $2.74
FY19
Diluted EPS $2.57
FY20
Diluted EPS $3.42
FY21
Diluted EPS $3.46
FY22
Diluted EPS $3.35
FY23
Diluted EPS $2.86
FY24
Diluted EPS $1.80
FY25
Diluted EPS $2.77
Q3 '23
Diluted EPS $0.45
Q4 '23
Diluted EPS $0.47
Q1 '24
Diluted EPS $0.30
Q2 '24
Diluted EPS $0.31
Q3 '24
Diluted EPS $0.45
Q4 '24
Diluted EPS $0.74
Q1 '25
Diluted EPS $0.45
Q2 '25
Diluted EPS $0.79
Q3 '25
Diluted EPS $0.66
Q4 '25
Diluted EPS $0.87
Q1 '26
Diluted EPS $0.61
Q2 '26
Diluted EPS $0.98
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 8.9%
ROTE 8.9%
Efficiency ratio 68.7%
FY17
ROE 8.2%
ROTE 7.9%
Efficiency ratio 68.9%
FY18
ROE 10.3%
ROTE 9.8%
Efficiency ratio 71.1%
FY19
ROE 8.9%
ROTE 8.6%
Efficiency ratio 73.5%
FY20
ROE 11.0%
ROTE 10.5%
Efficiency ratio 64.9%
FY21
ROE 10.2%
ROTE 9.7%
Efficiency ratio 68.2%
FY22
ROE 9.2%
ROTE 8.9%
Efficiency ratio 69.8%
FY23
ROE 7.5%
ROTE 7.4%
Efficiency ratio 77.5%
FY24
ROE 4.5%
ROTE 4.5%
Efficiency ratio 84.5%
FY25
ROE 6.7%
ROTE 6.6%
Efficiency ratio 77.4%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Sound Financial Bancorp, Inc. returned $1.9M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 0.4%.
FY16
Dividends $0.7M
Buybacks $0.0M
FY17
Dividends $1.5M
Buybacks —
FY18
Dividends $1.4M
Buybacks —
FY19
Dividends $1.4M
Buybacks $0.0M
FY20
Dividends $2.1M
Buybacks $0.1M
FY21
Dividends $2.0M
Buybacks $0.2M
FY22
Dividends $2.0M
Buybacks $1.7M
FY23
Dividends $1.9M
Buybacks $2.1M
FY24
Dividends $1.9M
Buybacks $0.1M
FY25
Dividends $1.9M
Buybacks $0.0M
Dividends
Buybacks
Q3 '23
Dividends $0.5M
Buybacks $0.2M
Q4 '23
Dividends $0.5M
Buybacks $0.7M
Q1 '24
Dividends $0.5M
Buybacks $0.0M
Q2 '24
Dividends $0.5M
Buybacks $0.1M
Q3 '24
Dividends $0.5M
Buybacks $0.0M
Q4 '24
Dividends $0.5M
Buybacks $0.0M
Q1 '25
Dividends $0.5M
Buybacks $0.0M
Q2 '25
Dividends $0.5M
Buybacks $0.0M
Q3 '25
Dividends $0.5M
Buybacks $0.0M
Q4 '25
Dividends $0.5M
Buybacks $0.0M
Q1 '26
Dividends $0.5M
Buybacks —
Q2 '26
Dividends $0.5M
Buybacks —
Dividends
Buybacks
FY16
Diluted shares 0.00B
FY17
Diluted shares 0.00B
FY18
Diluted shares 0.00B
FY19
Diluted shares 0.00B
FY20
Diluted shares 0.00B
FY21
Diluted shares 0.00B
FY22
Diluted shares 0.00B
FY23
Diluted shares 0.00B
FY24
Diluted shares 0.00B
FY25
Diluted shares 0.00B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $495M
Deposits $468M
FY17
Loans $543M
Deposits $514M
FY18
Loans $614M
Deposits $554M
FY19
Loans $614M
Deposits $617M
FY20
Loans —
Deposits $748M
FY21
Loans $680M
Deposits $798M
FY22
Loans $858M
Deposits $809M
FY23
Loans $886M
Deposits $827M
FY24
Loans $892M
Deposits $838M
FY25
Loans $897M
Deposits $949M
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $680M | $858M | $886M | $892M | $897M |
| Deposits | $798M | $809M | $827M | $838M | $949M |
| Loans / deposits | 85.2% | 106.1% | 107.2% | 106.4% | 94.5% |
| Total assets | $920M | $976M | $995M | $994M | $1.1B |
| Shareholders' equity | $93.4M | $97.7M | $101M | $104M | $109M |
| Goodwill | — | — | $0.8M | $0.8M | $0.8M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $27.2M | $27.9M | $32.1M | $31.0M | $34.9M | $37.2M | $39.9M | $38.9M | $35.7M | $38.9M |
| Net interest income | $22.1M | $24.1M | $27.8M | $27.0M | $27.5M | $29.9M | $35.3M | $33.9M | $31.0M | $34.9M |
| Noninterest income | $5.1M | $3.9M | $4.3M | $4.0M | $7.4M | $7.3M | $4.6M | $5.0M | $4.7M | $4.0M |
| Noninterest expense | $18.7M | $19.2M | $22.8M | $22.8M | $22.7M | $25.4M | $27.8M | $30.1M | $30.1M | $30.1M |
| Provision for credit losses | $0.5M | $0.5M | $0.5M | −$0.1M | — | — | — | — | — | — |
| Interest expense | $2.9M | $3.4M | $5.4M | $7.6M | $7.5M | $4.0M | $4.5M | $16.8M | — | — |
| Pretax income | $8.1M | $8.2M | $8.7M | $8.3M | $11.3M | $11.4M | $10.9M | $9.0M | $5.6M | $8.7M |
| Income tax | $2.7M | $3.1M | $1.7M | $1.7M | $2.4M | $2.3M | $2.1M | $1.6M | $1.0M | $1.5M |
| Net income | $5.4M | $5.1M | $7.0M | $6.7M | $8.9M | $9.2M | $8.8M | $7.4M | $4.6M | $7.2M |
| Net income to common | — | — | — | — | $8.9M | $9.1M | $8.7M | $7.4M | $4.6M | $7.1M |
| Diluted EPS | $2.09 | $2.00 | $2.74 | $2.57 | $3.42 | $3.46 | $3.35 | $2.86 | $1.80 | $2.77 |
| Diluted shares | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B |
| Cash flow | ||||||||||
| Cash from operations | $7.1M | $6.8M | $10.3M | $11.1M | −$0.5M | $19.1M | $10.1M | $6.9M | $2.9M | $7.2M |
| Capital expenditure | $1.0M | $2.5M | $0.6M | $0.7M | $0.4M | $0.2M | $0.4M | $0.4M | $0.1M | $0.2M |
| Free cash flow | $6.1M | $4.4M | $9.7M | $10.4M | −$0.9M | $18.8M | $9.7M | $6.4M | $2.9M | $7.0M |
| Depreciation and amortization | $0.8M | $0.9M | $1.0M | $0.9M | $0.9M | $0.7M | $0.7M | $0.7M | $0.6M | $0.5M |
| Stock-based compensation | $0.5M | $0.5M | $0.3M | $0.3M | $0.3M | $0.4M | $0.5M | $0.5M | $0.4M | $0.3M |
| Share buybacks | $0.0M | — | — | $0.0M | $0.1M | $0.2M | $1.7M | $2.1M | $0.1M | $0.0M |
| Dividends paid | $0.7M | $1.5M | $1.4M | $1.4M | $2.1M | $2.0M | $2.0M | $1.9M | $1.9M | $1.9M |
| Dividends and buybacks | $0.7M | $1.5M | $1.4M | $1.4M | $2.1M | $2.2M | $3.8M | $4.1M | $2.0M | $1.9M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $54.6M | $60.7M | $61.8M | $55.8M | $194M | $184M | $57.8M | $49.7M | $43.6M | $138M |
| Total debt | — | — | — | — | $0.0M | — | — | — | — | — |
| Finance lease liabilities | — | — | — | — | — | — | — | — | $0.0M | $0.1M |
| Loans, net | $495M | $543M | $614M | $614M | — | $680M | $858M | $886M | $892M | $897M |
| Deposits | $468M | $514M | $554M | $617M | $748M | $798M | $809M | $827M | $838M | $949M |
| Property and equipment, net | $5.5M | $7.4M | $7.0M | $6.8M | $6.3M | $5.8M | $5.5M | $5.2M | $4.7M | $4.2M |
| Goodwill | — | — | — | — | — | — | — | $0.8M | $0.8M | $0.8M |
| Total assets | $588M | $645M | $717M | $720M | $861M | $920M | $976M | $995M | $994M | $1.1B |
| Total liabilities | $528M | $580M | $645M | $642M | $776M | $826M | $879M | $895M | $890M | $983M |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $60.3M | $65.2M | $71.6M | $77.7M | $85.5M | $93.4M | $97.7M | $101M | $104M | $109M |
| Margins | ||||||||||
| Net margin | 19.7% | 18.3% | 21.9% | 21.6% | 25.6% | 24.6% | 22.1% | 19.1% | 13.0% | 18.4% |
| FCF margin | 22.5% | 15.6% | 30.2% | 33.6% | −2.6% | 50.6% | 24.2% | 16.6% | 8.0% | 18.0% |
| Net interest share of revenue | 81.2% | 86.2% | 86.6% | 87.0% | 78.7% | 80.3% | 88.5% | 87.1% | 86.9% | 89.8% |
| Efficiency ratio | 68.7% | 68.9% | 71.1% | 73.5% | 64.9% | 68.2% | 69.8% | 77.5% | 84.5% | 77.4% |
| Returns | ||||||||||
| Return on equity | 8.9% | 8.2% | 10.3% | 8.9% | 11.0% | 10.2% | 9.2% | 7.5% | 4.5% | 6.7% |
| Return on assets | 0.9% | 0.8% | 1.0% | 0.9% | 1.1% | 1.0% | 0.9% | 0.8% | 0.5% | 0.7% |
| Return on tangible equity | 8.9% | 7.9% | 9.8% | 8.6% | 10.5% | 9.7% | 8.9% | 7.4% | 4.5% | 6.6% |
| Growth | ||||||||||
| Revenue growth | — | 2.5% | 14.9% | −3.4% | 12.7% | 6.6% | 7.1% | −2.6% | −8.2% | 9.1% |
| Net income growth | — | −4.7% | 37.3% | −5.1% | 33.8% | 2.5% | −3.8% | −15.5% | −37.6% | 54.3% |
| EPS growth | — | −4.3% | 37.0% | −6.2% | 33.1% | 1.2% | −3.2% | −14.6% | −37.1% | 53.9% |
| FCF growth | — | −29.2% | 122.6% | 7.5% | −108.6% | — | −48.8% | −33.3% | −55.7% | 144.8% |
| Share count change | — | 0.0% | −0.0% | 0.6% | 0.4% | 1.3% | −0.5% | −1.2% | −0.6% | 0.4% |
| Financial health | ||||||||||
| Debt / equity | — | — | — | — | 0.0x | — | — | — | — | — |
| Loans / deposits | 105.9% | 105.6% | 110.9% | 99.6% | — | 85.2% | 106.1% | 107.2% | 106.4% | 94.5% |
| Provision / loans | 0.1% | 0.1% | 0.1% | −0.0% | — | — | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 3.7% | 8.9% | 2.0% | 2.1% | 1.2% | 0.6% | 1.0% | 1.1% | 0.2% | 0.4% |
| Stock comp / revenue | 1.9% | 1.9% | 0.9% | 0.9% | 1.0% | 1.0% | 1.2% | 1.2% | 1.1% | 0.8% |
| Payouts / FCF | 12.1% | 34.6% | 14.1% | 13.8% | — | 11.6% | 39.0% | 62.9% | 70.5% | 27.9% |
| Quality scores | ||||||||||
| Accruals ratio | −0.3% | −0.3% | −0.5% | −0.6% | 1.2% | −1.1% | −0.1% | 0.1% | 0.2% | −0.0% |
Source: SEC EDGAR XBRL filings (CIK 0001541119). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.