Sound Financial Bancorp, Inc. (SFBC)

NASDAQ: SFBC · Real-Time Price · USD

46.43

+0.02 (0.04%)

Aug 11, 2026, 4:00 PM EDT - Market closed

Sound Financial Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	40.27	38.76	35.78	39.13	38.72	36.82
Revenue Growth	5.84%	8.35%	-8.57%	1.05%	5.15%	8.29%
Net Income	8.03	7.16	4.64	7.44	8.8	9.16
Earnings Per Share	3.12	2.77	1.80	2.86	3.35	3.46
EPS Growth	28.39%	53.89%	-37.06%	-14.63%	-3.18%	1.17%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	120.07	138.45	43.64	49.69	57.84	183.59
Total Debt	7.82	7.8	11.76	11.72	11.68	11.63
Net Cash (Debt)	112.25	130.65	31.88	37.97	46.16	171.96
Net Cash Growth	23.67%	309.80%	-16.04%	-17.74%	-73.16%	-11.28%
Net Cash Per Share	43.60	50.71	12.43	14.71	17.66	65.47

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	6.81	7.16	2.93	6.89	10.05	19.07
Capital Expenditures	-0.16	-0.17	-0.08	-0.44	-0.4	-0.23
Free Cash Flow	6.65	6.99	2.86	6.44	9.66	18.85
Free Cash Flow Growth	139.73%	144.78%	-55.67%	-33.28%	-48.77%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	24.21%	22.37%	15.78%	23.00%	28.09%	31.03%
Profit Margin	19.95%	18.47%	12.97%	19.01%	22.74%	24.86%
FCF Margin	0.00%	18.03%	7.98%	16.46%	24.94%	51.18%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.840	0.760	0.760	0.740	0.680	0.680
Dividend Per Share Growth	7.89%	0%	2.70%	8.82%	0%	-15.00%
Dividend Yield	1.81%	1.75%	1.46%	1.91%	2.01%	1.79%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.93	15.75	29.25	13.64	11.72	12.72
P/FCF Ratio	17.86	16.03	47.28	15.43	10.51	6.10
PS Ratio	2.95	2.89	3.77	2.54	2.62	3.12