Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	3.93	7.44	8.8	9.16	8.94	6.68
Depreciation & Amortization	1.62	1.73	1.67	1.72	1.98	1.57
Provision for Credit Losses	0.11	-0.27	1.16	0.43	0.93	-0.13
Stock-Based Compensation	0.37	0.45	0.48	0.36	0.34	0.27
Net Change in Loans Held-for-Sale	0.35	-0.43	1.7	11.4	-6.92	0.97
Other Adjustments	-0.82	-1.75	-1.12	-3.86	-4.16	-1.32
Changes in Accrued Interest and Accounts Receivable	-0.29	-0.37	-0.87	0.04	-0.05	0.08
Changes in Accounts Payable	0.32	0.42	0.2	-0.17	0.14	0.09
Changes in Other Operating Activities	0.01	-0.34	-1.96	0	-1.69	2.84
Operating Cash Flow	4.9	6.89	10.05	19.07	-0.48	11.06
Operating Cash Flow Growth	-47.62%	-31.51%	-47.29%	-	-	7.15%
Net Change in Loans Held-for-Investment	-25.66	-28.66	-177.78	-73.24	5.94	-0.85
Net Change in Securities and Investments	0.47	2.08	-5.61	1.58	-0.98	-4.32
Capital Expenditures	-0.27	-0.44	-0.4	-0.23	-0.41	-0.65
Other Investing Activities	-	0.7	-	-6.06	-0.06	0.04
Investing Cash Flow	-24.84	-26.32	-183.79	-78.11	4.5	-5.79
Net Change in Deposits	69.32	17.78	10.44	50.34	131.26	63.12
Long-Term Debt Issued	-	40	43	-	185.87	166.8
Long-Term Debt Repaid	-	-43	-	-	-181.79	-243.3
Net Long-Term Debt Issued (Repaid)	-	-3	43	-	4.08	-76.5
Issuance of Common Stock	0.33	0.4	0.22	0.18	0.24	0.13
Repurchase of Common Stock	-0.8	-2.4	-1.87	-0.15	-0.07	-
Net Common Stock Issued (Repurchased)	-0.48	-2.01	-1.65	0.03	0.17	0.13
Common Dividends Paid	-1.95	-1.91	-2.03	-2.04	-2.07	-1.43
Other Financing Activities	-	0.44	-1.79	0.3	0.61	3.37
Financing Cash Flow	66.98	11.29	47.98	48.8	134.05	-11.32
Net Cash Flow	47.04	-8.15	-125.75	-10.24	138.06	-6.04
Beginning Cash & Cash Equivalents	101.89	57.84	183.59	193.83	55.77	61.81
Ending Cash & Cash Equivalents	148.93	49.69	57.84	183.59	193.83	55.77
Free Cash Flow	4.63	6.44	9.66	18.85	-0.89	10.41
Free Cash Flow Growth	-28.10%	-33.28%	-48.77%	-	-	7.49%
FCF Margin	13.32%	16.46%	24.94%	51.18%	-2.62%	33.45%
Free Cash Flow Per Share	1.81	2.50	3.69	7.18	-0.34	4.03
Levered Free Cash Flow	5.32	5.45	50.45	10.52	13	-65.89
Unlevered Free Cash Flow	1.39	1.01	-1.36	1.37	-0.02	3.93

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

SEC Filings: 10-K · 10-Q