Sound Financial Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	6,730	8,769	6,058	7,166	18,283	11,269
Short-Term Investments	6,599	5,706	8,330	9,248	123	414
Cash & Short-Term Investments	13,329	14,475	14,388	16,414	18,406	11,683
Cash Growth	-5.90%	0.60%	-12.34%	-10.82%	57.55%	136.31%
Receivables	2,433	2,163	1,898	1,801	1,663	1,295
Inventory	1,588	1,572	1,561	1,109	983	932
Prepaid Expenses	744	673	640	689	745	635
Restricted Cash	-	-	-	45	37	255
Total Current Assets	18,094	18,883	18,487	20,058	21,834	14,800
Property, Plant & Equipment	49,789	43,296	40,179	35,517	34,504	34,837
Long-Term Investments	1,101	1,267	1,636	1,373	1,420	1,000
Goodwill	4,527	4,527	4,527	4,527	4,527	4,527
Other Intangible Assets	2,662	2,683	2,725	2,762	2,803	2,838
Long-Term Deferred Tax Assets	-	-	-	91	659	131
Other Long-Term Assets	140	3,427	3,550	3,030	2,428	1,384
Total Assets	76,313	74,083	71,104	67,358	68,175	59,548
Accounts Payable	4,636	4,193	3,835	3,395	2,562	1,595
Accrued Expenses	3,555	3,289	2,940	1,971	2,121	1,960
Current Portion of Long-Term Debt	4,621	3,230	4,247	2,934	3,836	1,911
Current Portion of Leases	563	690	576	665	632	812
Current Unearned Revenue	12,980	10,964	9,799	10,248	8,593	5,741
Other Current Liabilities	764	948	806	779	560	706
Total Current Liabilities	27,119	23,314	22,203	19,992	18,304	12,725
Long-Term Debt	20,807	25,135	27,413	29,127	31,224	24,836
Long-Term Leases	5,331	4,578	4,503	4,574	5,371	6,350
Long-Term Unearned Revenue	4,060	4,038	4,048	3,982	4,043	5,067
Pension & Post-Retirement Benefits	974	1,233	1,605	1,418	2,920	3,454
Long-Term Deferred Tax Liabilities	2,206	1,580	594	-	-	-
Other Long-Term Liabilities	1,507	1,530	1,414	1,369	1,284	1,156
Total Liabilities	62,004	61,408	61,780	60,462	63,146	53,588
Common Stock	4	4	4	4	4	4
Additional Paid-In Capital	8,878	8,980	8,992	8,986	9,156	8,366
Retained Earnings	9,049	6,880	3,831	1,265	625	2,626
Treasury Stock	-3,745	-3,377	-3,441	-3,534	-3,814	-3,897
Comprehensive Income & Other	123	188	-62	175	-942	-1,139
Shareholders' Equity	14,309	12,675	9,324	6,896	5,029	5,960
Total Liabilities & Equity	76,313	74,083	71,104	67,358	68,175	59,548
Total Debt	31,322	33,633	36,739	37,300	41,063	33,909
Net Cash (Debt)	-17,993	-19,158	-22,351	-20,886	-22,657	-22,226
Net Cash Per Share	-54.53	-57.50	-67.34	-63.27	-70.39	-79.55
Filing Date Shares Outstanding	323.74	327.34	328.03	327.09	324.63	318.48
Total Common Shares Outstanding	323.74	327.9	328.02	326.93	323.81	311.85
Working Capital	-9,025	-4,431	-3,716	66	3,530	2,075
Book Value Per Share	44.20	38.66	28.43	21.09	15.53	19.11
Tangible Book Value	7,120	5,465	2,072	-393	-2,301	-1,405
Tangible Book Value Per Share	21.99	16.67	6.32	-1.20	-7.11	-4.51
Machinery	-	52,696	48,448	42,775	39,584	38,218

Source: S&P Global Market Intelligence. Standard template. Financial Sources.