Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	31	33.85	35.3	29.92	27.49
Net Interest Income Growth	-8.41%	-4.09%	17.96%	8.86%	1.94%
Non-Interest Income	4.66	5.01	4.58	7.33	7.45
Non-Interest Income Growth	-7.01%	9.25%	-37.48%	-1.56%	84.92%
Revenues Before Loan Losses	35.66	38.86	39.88	37.25	34.93
Provision for Credit Losses	-0.12	-0.27	1.16	0.43	0.93
Revenue	35.78	39.13	38.72	36.82	34.01
Revenue Growth (YoY)	-8.57%	1.05%	5.15%	8.29%	9.29%
Compensation Expenses	17.59	17.14	16.42	14.26	12.08
Selling, General & Admin	11.79	12.29	10.98	10.78	10
Other Non-Interest Expenses	0.76	0.7	0.45	0.36	0.6
Total Non-Interest Expense	30.13	30.13	27.85	25.4	22.68
Pretax Income	5.65	9	10.88	11.43	11.33
Provision for Income Taxes	1.01	1.56	2.07	2.27	2.39
Net Income	4.64	7.44	8.8	9.16	8.94
Net Income to Common	4.64	7.44	8.8	9.16	8.94
Net Income Growth	-37.63%	-15.50%	-3.84%	2.45%	33.81%
Shares Outstanding (Basic)	-	3	3	3	3
Shares Outstanding (Diluted)	-	3	3	3	3
Shares Change (YoY)	-	-1.21%	-0.50%	1.29%	0.39%
EPS (Basic)	-	2.88	3.39	3.52	3.46
EPS (Diluted)	-	2.86	3.35	3.46	3.42
EPS Growth	-	-14.63%	-3.18%	1.17%	33.07%
Free Cash Flow	-0.12	6.44	9.66	18.85	-0.89
Free Cash Flow Growth	-	-33.28%	-48.77%	-	-
Free Cash Flow Per Share	-	2.50	3.69	7.18	-0.34
Dividends Per Share	0.760	0.740	0.680	0.680	0.800
Dividend Growth	2.70%	8.82%	-	-15.00%	42.86%
Profit Margin	12.97%	19.01%	22.74%	24.86%	26.28%
FCF Margin	-0.34%	16.46%	24.94%	51.18%	-2.62%
EBITDA	0	1.73	1.67	1.72	1.98
EBITDA Margin	0.00%	4.43%	4.32%	4.67%	5.83%
Effective Tax Rate	17.82%	17.34%	19.05%	19.88%	21.11%

Updated Jul 29, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q