Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	34.93	31	33.85	35.3	29.92
Net Interest Income Growth	12.66%	-8.41%	-4.09%	17.96%	8.86%
Non-Interest Income	3.96	4.66	5.01	4.58	7.33
Non-Interest Income Growth	-14.84%	-7.01%	9.25%	-37.48%	-1.56%
Revenues Before Loan Losses	38.89	35.66	38.86	39.88	37.25
Provision for Credit Losses	0.13	-0.12	-0.27	1.16	0.43
Revenue	38.76	35.78	39.13	38.72	36.82
Revenue Growth (YoY)	8.35%	-8.57%	1.05%	5.15%	8.29%
Compensation Expenses	16.71	17.59	17.14	16.42	14.26
Selling, General & Admin	12.74	11.79	12.29	10.98	10.78
Other Non-Interest Expenses	0.65	0.76	0.7	0.45	0.36
Total Non-Interest Expense	30.09	30.13	30.13	27.85	25.4
Pretax Income	8.67	5.65	9	10.88	11.43
Provision for Income Taxes	1.51	1.01	1.56	2.07	2.27
Net Income	7.16	4.64	7.44	8.8	9.16
Net Income to Common	7.16	4.64	7.44	8.8	9.16
Net Income Growth	54.27%	-37.63%	-15.50%	-3.84%	2.45%
Shares Outstanding (Basic)	3	3	3	3	3
Shares Outstanding (Diluted)	3	3	3	3	3
Shares Change (YoY)	0.42%	-0.61%	-1.21%	-0.50%	1.29%
EPS (Basic)	2.79	1.81	2.88	3.39	3.52
EPS (Diluted)	2.77	1.80	2.86	3.35	3.46
EPS Growth	53.89%	-37.06%	-14.63%	-3.18%	1.17%
Shares Outstanding	2.57	2.56	2.55	2.58	2.61
Free Cash Flow	6.99	2.86	6.44	9.66	18.85
Free Cash Flow Growth	144.78%	-55.67%	-33.28%	-48.77%	-
Free Cash Flow Per Share	2.71	1.11	2.50	3.69	7.18
Dividends Per Share	0.760	0.760	0.740	0.680	0.680
Dividend Growth	-	2.70%	8.82%	-	-15.00%
Profit Margin	18.47%	12.97%	19.01%	22.74%	24.86%
FCF Margin	18.03%	7.98%	16.46%	24.94%	51.18%
EBITDA	0.49	0.62	0.72	0.7	0.68
EBITDA Margin	1.27%	1.73%	1.83%	1.82%	1.84%
Effective Tax Rate	17.46%	17.82%	17.34%	19.05%	19.88%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q