Sound Financial Bancorp, Inc. (SFBC)
NASDAQ: SFBC · Real-Time Price · USD
44.23
0.00 (0.00%)
Nov 3, 2026, 12:19 PM EST - Market open
Sound Financial Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest Income on Loans | 53.47 | 52.95 | 50.5 | 46.47 | 38.18 | 33.39 |
Interest Income on Investments | 4.61 | 4.61 | 6.88 | 4.14 | 1.62 | 0.49 |
Total Interest Income | 58.07 | 57.56 | 57.37 | 50.61 | 39.8 | 33.87 |
Interest Paid on Deposits | 19.56 | 20.91 | 24.08 | 14.14 | 2.95 | 3.28 |
Interest Paid on Borrowings | 1.72 | 1.72 | 2.3 | 2.62 | 1.55 | 0.67 |
Total Interest Expense | 21.28 | 22.63 | 26.37 | 16.76 | 4.5 | 3.95 |
Net Interest Income | 36.79 | 34.93 | 31 | 33.85 | 35.3 | 29.92 |
Net Interest Income Growth | 6.68% | 12.66% | -8.41% | -4.09% | 17.96% | 8.86% |
Mortgage Banking Activities | 0.99 | 1.05 | 1.12 | 1.18 | 1.24 | 1.28 |
Other Non-Interest Income | 2.92 | 2.66 | 3.28 | 3.49 | 2.79 | 1.86 |
Total Non-Interest Income | 4.34 | 3.96 | 4.66 | 5.01 | 4.58 | 7.33 |
Non-Interest Income Growth | 1.95% | -14.84% | -7.01% | 9.25% | -37.48% | -1.56% |
Revenues Before Loan Losses | 41.13 | 38.89 | 35.66 | 38.86 | 39.88 | 37.25 |
Provision for Loan Losses | -0.28 | 0.13 | -0.12 | -0.27 | 1.16 | 0.43 |
| 41.41 | 38.76 | 35.78 | 39.13 | 38.72 | 36.82 | |
Revenue Growth | 6.97% | 8.35% | -8.57% | 1.05% | 5.15% | 8.29% |
Salaries and Employee Benefits | 15.83 | 15.61 | 16.45 | 15.99 | 15.12 | 13.12 |
Occupancy Expenses | 0.64 | 0.64 | 0.58 | 0.73 | 0.62 | 0.61 |
Federal Deposit Insurance | 0.47 | 0.61 | 0.79 | 0.69 | 0.45 | 0.38 |
Selling, General & Administrative | 7.94 | 7.81 | 6.81 | 6.98 | 6.16 | 5.95 |
Other Non-Interest Expense | 5.92 | 5.39 | 5.53 | 5.72 | 5.49 | 5.35 |
Total Non-Interest Expense | 30.85 | 30.09 | 30.13 | 30.13 | 27.85 | 25.4 |
EBT Excluding Unusual Items | 10.56 | 8.67 | 5.65 | 9 | 10.88 | 11.43 |
Pretax Income | 10.56 | 8.67 | 5.65 | 9 | 10.88 | 11.43 |
Income Tax Expense | 1.9 | 1.51 | 1.01 | 1.56 | 2.07 | 2.27 |
Net Income | 8.66 | 7.16 | 4.64 | 7.44 | 8.8 | 9.16 |
Preferred Dividends & Other Adjustments | 0.03 | 0.03 | 0.03 | 0.05 | 0.06 | 0.06 |
Net Income to Common | 8.63 | 7.13 | 4.61 | 7.39 | 8.74 | 9.09 |
Net Income Growth | 26.86% | 54.72% | -37.65% | -15.45% | -3.85% | 1.75% |
Basic Shares Outstanding | 3 | 3 | 3 | 3 | 3 | 3 |
Diluted Shares Outstanding | 3 | 3 | 3 | 3 | 3 | 3 |
Shares Change | 0.11% | 0.42% | -0.61% | -1.21% | -0.50% | 1.31% |
EPS (Basic) | 3.37 | 2.79 | 1.81 | 2.89 | 3.39 | 3.52 |
EPS (Diluted) | 3.35 | 2.77 | 1.80 | 2.86 | 3.35 | 3.46 |
EPS Growth | 26.39% | 53.89% | -37.06% | -14.63% | -3.25% | 1.24% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Dividend Per Share | 0.820 | 0.760 | 0.760 | 0.740 | 0.680 | 0.680 |
Dividend Growth | 7.90% | 0% | 2.70% | 8.82% | 0% | -15.00% |
Effective Tax Rate | 18.03% | 17.46% | 17.82% | 17.34% | 19.05% | 19.88% |