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
Interest Income on Loans	57.56	50.5	46.47	38.18	33.39
Interest Income on Investments	-	6.88	4.14	1.62	0.49
Total Interest Income	57.56	57.37	50.61	39.8	33.87
Interest Paid on Deposits	22.63	24.08	14.14	2.95	3.28
Interest Paid on Borrowings	-	2.3	2.62	1.55	0.67
Total Interest Expense	22.63	26.37	16.76	4.5	3.95
Net Interest Income	34.93	31	33.85	35.3	29.92
Net Interest Income Growth (YoY)	12.66%	-8.41%	-4.09%	17.96%	8.86%
Mortgage Banking Activities	1.05	1.12	1.18	1.24	1.28
Other Non-Interest Income	2.66	3.28	3.49	2.79	1.86
Total Non-Interest Income	3.96	4.66	5.01	4.58	7.33
Non-Interest Income Growth (YoY)	-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 Loan 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%
Salaries and Employee Benefits	16.71	16.45	15.99	15.12	13.12
Occupancy Expenses	-	0.58	0.73	0.62	0.61
Federal Deposit Insurance	0.61	0.79	0.69	0.45	0.38
Selling, General & Administrative	6.76	6.81	6.98	6.16	5.95
Other Non-Interest Expense	5.97	5.53	5.72	5.49	5.35
Total Non-Interest Expense	30.09	30.13	30.13	27.85	25.4
EBT Excluding Unusual Items	8.67	5.65	9	10.88	11.43
Pretax Income	8.67	5.65	9	10.88	11.43
Income Tax Expense	1.51	1.01	1.56	2.07	2.27
Net Income	7.16	4.64	7.44	8.8	9.16
Preferred Dividends & Other Adjustments	-	0.03	0.05	0.06	0.06
Net Income to Common	7.16	4.61	7.39	8.74	9.09
Net Income Growth	54.27%	-37.63%	-15.50%	-3.84%	2.45%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	-0.59%	-0.61%	-1.21%	-0.50%	1.31%
EPS (Basic)	2.81	1.81	2.89	3.39	3.52
EPS (Diluted)	2.81	1.80	2.86	3.35	3.46
EPS Growth	55.90%	-37.06%	-14.63%	-3.25%	1.24%
Dividend Per Share	0.760	0.760	0.740	0.680	0.680
Dividend Growth	-	2.70%	8.82%	-	-15.00%
Effective Tax Rate	17.46%	17.82%	17.34%	19.05%	19.88%

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q