Sound Financial Bancorp (SFBC)
Nasdaq Market Open
Sound Financial Bancorp, Inc. is the bank holding company for Sound Community Bank, a community-focused financial institution serving individuals, families, and businesses. The company operates in traditional banking, gathering deposits from local customers and deploying those funds into a portfolio of residential, commercial, and consumer loans. Its business model is closely tied to relationship banking and the economic health of the communities it serves.
Sound Community Bank offers deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. On the lending side, the bank provides financing secured by one-to-four-family homes, including first mortgages, second mortgages, home equity loans, and home equity lines of credit. It also originates loans for commercial and multifamily real estate, construction and land development, consumer needs, and business purposes.
The company’s loan book includes several specialized consumer categories, such as manufactured home loans, floating home loans, automobile loans, boat loans, and recreational vehicle loans. This mix gives the bank exposure to both conventional real estate finance and niche lending areas that reflect the needs of its regional customer base.
As a community bank holding company, Sound Financial Bancorp’s performance is influenced by net interest margins, deposit costs, credit quality, loan demand, and local property markets. It competes with regional banks, credit unions, national banks, and digital financial providers, while differentiating itself through local market knowledge, personal service, and a broad suite of banking products.
Last updated
- Market Cap
- 98.3M
- P/E
- 13.04
- P/FCF
- 14.78
- P/S
- 1.58
- Enterprise Value
- -21.88M
- Sector
- Financials
- Industry
- Savings Institutions, Federally Chartered
- Address
- 2400 3RD AVENUE, SEATTLE, WA, 98121
Sound Community Bank CEO Laurie Stewart Participates in U.S. Treasury Department Roundtable on Financial Literacy
Sound Financial Bancorp, Inc. Q1 2024 Results
Sound Financial Bancorp, Inc. Announces Adoption of New Stock Repurchase Program
Sound Financial Bancorp, Inc. Q4 2023 Results
Stewart Elected to Serve on the Head Office Board of Directors for the Federal Reserve Bank of San Francisco
Sound Financial Bancorp, Inc. Q3 2023 Results
Laurie Stewart Named One of American Bankers “Most Powerful Women to Watch”
Sound Financial Bancorp, Inc. Announces Extension of Stock Repurchase Program
Sound Financial Bancorp, Inc. Q2 2023 Results
Sound Financial Bancorp, Inc. Q1 2023 Results
Sound Financial Bancorp, Inc. Announces Annual Shareholders Meeting Date
Sound Financial Bancorp, Inc. Announces Increase and Extension of Stock Repurchase Program
Sound Financial Bancorp, Inc. Q4 2022 Results
Sound Financial Bancorp, Inc. Q3 2022 Results
Sound Community Bank Develops New Navigator Deposit Account and Receives National Certification by Banking Advocates as Safe, Affordable Account
Sound Community Bank Earns Top Team Award and Recognizes Laurie Stewart, President/CEO, as Part of American Banker’s Most Powerful Women in Banking Program
Sound Financial Bancorp, Inc. Announces Increase and Extension of Stock Repurchase Program
Sound Financial Bancorp, Inc. Q2 2022 Results
Sound Community Bank Named Top Performing Bank and Top Philanthropist
Sound Financial Bancorp, Inc. Announces Stock Repurchase Program
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 98.3M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- -21.88M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 13.04
- P/B
P/B ratio compares a company's share price to its book value per share.
- 0.89
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.58
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -2.38
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- -0.35
- EPS
- 3.17
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.04%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 14.78
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 14.43
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 6.65M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 6.83%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.68%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.16
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 15.35
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 15.35
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 13.8
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 6.1K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 41.32
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 15.38M | 15.15M | 15.53M | 16.04M | 14.8M |
| Gross profit | 9.96M | 9.53M | 9.82M | 10.38M | 9.17M |
| Operating income | 1.96M | 2.58M | 2.09M | 2.54M | 1.46M |
| EBITDA | 1.96M | 2.58M | 2.09M | 2.54M | 1.46M |
| Net income | 1.58M | 2.22M | 1.7M | 2.05M | 1.17M |
| Basic EPS | 0.61 | 0.87 | 0.66 | 0.8 | 0.45 |
| Diluted EPS | 0.61 | 0.87 | 0.66 | 0.79 | 0.45 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 1.11B | 1.09B | 1.06B | 1.06B | 1.07B |
| Total liabilities | 1B | 982.77M | 952.71M | 952.24M | 964.76M |
| Total equity | 110.41M | 109.4M | 107.45M | 106M | 104.43M |
| Cash & equivalents | 137.98M | 138.45M | 101.16M | 102.54M | 131.49M |
| Current assets | 153.51M | 149.1M | 112.43M | 113.91M | 143.04M |
| Current liabilities | 10M | 10M | 25M | 25M | 25M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 1.51M | 2.01M | 3.8M | -494K | 1.85M |
| Investing cash flow | -21.06M | 4.84M | -4.18M | -17.08M | 13.92M |
| Financing cash flow | 19.09M | 30.45M | -1.01M | -11.38M | 72.08M |
| Change in cash | -469K | 37.3M | -1.39M | -28.95M | 87.85M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | DEFA14A — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | ARS — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 10-K — Sound Financial Bancorp, Inc. | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing | |
| edgar index | SCHEDULE 13G — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4/A — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 3/A — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 4/A — Sound Financial Bancorp, Inc. | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| form 3 | Form 3 — Ochs Wes | View Filing | |
| edgar index | 4 — Sound Financial Bancorp, Inc. | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| form 4 | Form 4 — Jones Debra | View Filing | |
| edgar index | 4 — Sound Financial Bancorp, Inc. | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| form 4 | Form 4 — Ochs Wes | View Filing | |
| edgar index | 4 — Sound Financial Bancorp, Inc. | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
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| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| form 4 | Form 4 — Sexton Heidi | View Filing | |
| edgar index | 10-Q — Sound Financial Bancorp, Inc. | View Filing | |
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — Sound Financial Bancorp, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing |