Sound Financial Bancorp, Inc.
SFBC Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 23, 2026
$44.80
KIRA · Stoqly’s AI analyst, in plain words
- Sound Financial Bancorp, Inc. had $38.9M of revenue in fiscal 2025, up 9.1% on the year before. Over five years, revenue changed +2.2% a year on average.
- Sound Financial Bancorp, Inc. made $7.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 3.2% a year.
- Sound Financial Bancorp, Inc. returned $1.9M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 0.4%.
- It earned 6.7% on shareholders’ money. Running costs took 77.4% of revenue (the efficiency ratio; lower is better).
Market cap
$115M
P/E
14.4x
Revenue
$38.9M
Net income
$7.2M
Return on equity
6.7%
Efficiency ratio
77.4%
Sound Financial Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+9.1%
Yes. Sales grew 9.1% last year.
Does it make a profit?
18.4%
Yes. It keeps 18.4% of every sale as profit.
How lean are its costs?
77.4%
Costly. Running costs take 77.4% of revenue.
How much does it earn on its capital?
6.7%
Low. It earns 6.7% a year on shareholders’ money.
How is the share priced?
14.4x
One share costs 14.4 times its yearly profit per share.
What Sound Financial Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Legal name
- Sound Financial Bancorp, Inc.
- CIK
- 0001541119
Sound Financial Bancorp, Inc. · SFBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $37.2M | $39.9M | $38.9M | $35.7M | $38.9M |
| Revenue growth | 6.6% | 7.1% | −2.6% | −8.2% | 9.1% |
| Net interest income | $29.9M | $35.3M | $33.9M | $31.0M | $34.9M |
| Net income | $9.2M | $8.8M | $7.4M | $4.6M | $7.2M |
| Net margin | 24.6% | 22.1% | 19.1% | 13.0% | 18.4% |
| Diluted EPS | $3.46 | $3.35 | $2.86 | $1.80 | $2.77 |
| Cash | |||||
| Cash from operations | $19.1M | $10.1M | $6.9M | $2.9M | $7.2M |
| Capital expenditure | $0.2M | $0.4M | $0.4M | $0.1M | $0.2M |
| Free cash flow | $18.8M | $9.7M | $6.4M | $2.9M | $7.0M |
| FCF margin | 50.6% | 24.2% | 16.6% | 8.0% | 18.0% |
| Dividends paid | $2.0M | $2.0M | $1.9M | $1.9M | $1.9M |
| Share buybacks | $0.2M | $1.7M | $2.1M | $0.1M | $0.0M |
| Share count change | 1.3% | −0.5% | −1.2% | −0.6% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $184M | $57.8M | $49.7M | $43.6M | $138M |
| Loans, net | $680M | $858M | $886M | $892M | $897M |
| Deposits | $798M | $809M | $827M | $838M | $949M |
| Shareholders' equity | $93.4M | $97.7M | $101M | $104M | $109M |
| Returns and quality | |||||
| Return on equity | 10.2% | 9.2% | 7.5% | 4.5% | 6.7% |
| Return on tangible equity | 9.7% | 8.9% | 7.4% | 4.5% | 6.6% |
| Efficiency ratio | 68.2% | 69.8% | 77.5% | 84.5% | 77.4% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
100%
$0.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Sound Financial Bancorp, Inc. · SFBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $44.80 a share, the company is worth $115M: 14.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001541119). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.