Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc.

SFBCยทNASDAQ

$41.32

-0.36%
Financial ServicesBanks - Regional

Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates eight branch offices, including four branches in Seattle Metropolitan Statistical Area, three branches in Clallam County, and one branch in Jefferson County; and a loan production office in the Madison Park neighborhood of Seattle. The company was founded in 1953 and is headquartered in Seattle, Washington.

At a Glance

Live Snapshot
Market Cap$98.30M
EPS2.8000
P/E Ratio14.76
Earnings Date07/28/2026
3Y+12.0%
5Y+27.0%
10Y+86.0%
3Y+12.0%
5Y+27.0%
10Y+86.0%
3Y+12.0%
5Y+28.0%
10Y+81.0%
sfbc

Sound Financial Bancorp, Inc. Funding & Solvency Profile

SFBC ยท NASDAQ
Cash & Cash Equivalents138.45M
Net Receivables3.77M
Inventory0.00
Other Current Assets0.00
Total Current Assets145 M
Property, Plant & Equipment7.66M
Goodwill & Intangible Assets4.18M
Long-Term Investments904.69M
Other Non-Current Assets31.04M
Total Non-Current Assets943 M
Total Assets
1.09B

Financial Health Analysis

Current Ratio

0.15x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.98x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-804958000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

13% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Sound Financial Bancorp, Inc. Balance Sheet

SFBC โ€ข NASDAQ

Sound Financial Bancorp, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007
ASSETS
CURRENT ASSETS
138.5M
43.6M
49.7M
57.8M
183.6M
193.8M
55.8M
61.8M
60.7M
54.6M
48.3M
29.3M
15.3M
12.7M
17M
9.1M
0.0
0.0
0.0
2.4M
7.8M
8.3M
10.2M
8.4M
10.2M
9.3M
5M
5.4M
6.6M
6.7M
11.5M
15.4M
22.9M
3M
0.0
0.0
0.0
0.0
140.8M
51.4M
58M
68M
192M
204M
65.1M
66.8M
66.1M
61.2M
55M
40.8M
30.8M
35.6M
20M
9.1M
0.0
0.0
0.0
3.8M
3.5M
3.5M
3.1M
2.2M
2.3M
2.2M
2.3M
2M
1.8M
1.6M
1.5M
1.4M
1.3M
1.2M
1.3M
0.0
0.0
0.0
3.8M
3.5M
3.5M
3.1M
2.2M
2.3M
2.2M
2.3M
2M
1.8M
1.6M
1.5M
1.4M
1.3M
1.2M
1.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
18.4M
8.1M
8M
144.6M
54.9M
61.4M
71.1M
194.2M
206.3M
67.3M
69.1M
68.1M
63M
56.6M
42.3M
32.1M
36.9M
21.3M
10.4M
18.4M
8.1M
8M
NON-CURRENT ASSETS
7.7M
8.4M
9.7M
10.6M
11.6M
13M
14.4M
7M
7.4M
5.5M
5.3M
5.6M
2.1M
2.3M
2.4M
3.3M
3.5M
1.5M
1.4M
4.2M
4.8M
4.6M
4.7M
4.3M
3.8M
3.2M
3.4M
3.4M
3.6M
3.7M
3.6M
3.6M
3.1M
3.3M
3.2M
4.4M
0.0
0.0
4.2M
4.8M
4.6M
4.7M
4.3M
3.8M
3.2M
3.4M
3.4M
3.6M
3.7M
3.6M
3.6M
3.1M
3.3M
3.2M
4.4M
863.1K
864.9K
904.7M
894.3M
888.5M
860.6M
683.2M
619M
615.3M
614.9M
545.1M
496.1M
456.9M
426.8M
386.9M
324.2M
297.4M
300.3M
2.9M
955.6K
822.1K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
262K
0.0
31M
31.3M
30.9M
29.3M
26.4M
19.4M
19.6M
22.3M
21.2M
20.2M
18.2M
16.9M
17.9M
14.6M
15.3M
17.5M
308.6M
281.8M
225.9M
947.6M
938.7M
933.8M
905.2M
725.5M
655.1M
652.6M
647.7M
577.2M
525.4M
484.2M
452.9M
410.5M
344.1M
318.5M
324.3M
319.4M
285.4M
229M
1.1B
993.6M
995.2M
976.4M
919.7M
861.4M
719.9M
716.7M
645.2M
588.4M
540.8M
495.2M
442.6M
381M
339.7M
334.6M
337.8M
293.5M
237M
LIABILITIES
CURRENT LIABILITIES
674K
765K
817K
395K
200K
369K
226K
137K
77K
73K
72K
76K
82K
83K
84K
121K
0.0
0.0
0.0
674K
765K
817K
395K
200K
369K
226K
137K
77K
73K
72K
76K
82K
83K
84K
121K
0.0
0.0
0.0
0.0
0.0
15M
43M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
948.9M
837.8M
826.5M
808.8M
798.3M
748M
616.7M
553.6M
514.4M
467.7M
440M
407.8M
348.3M
312.1M
300M
278.5M
156.8M
100.7M
98.7M
949.5M
838.6M
842.4M
852.2M
798.5M
748.4M
616.9M
553.7M
514.5M
467.8M
440.1M
407.9M
348.4M
312.2M
300.1M
278.6M
156.8M
100.7M
98.7M
NON-CURRENT LIABILITIES
17.8M
36.8M
36.7M
11.7M
11.6M
11.6M
7.5M
84M
59M
54.8M
40.4M
30.6M
43.2M
21.9M
8.5M
24.8M
20M
42.2M
15.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
443K
11.8M
10.6M
10.7M
9.4M
9.9M
8.8M
9.7M
7.4M
6.6M
5.5M
5.7M
6.1M
4.5M
3.6M
2.4M
4.3M
135.9M
124.5M
106.1M
33.2M
51.4M
52.2M
26.5M
27.8M
27.6M
25.2M
91.4M
65.6M
60.3M
46.1M
36.7M
47.7M
25.4M
10.9M
29.1M
155.9M
166.7M
122.4M
3.7M
4M
4.8M
5.4M
6.2M
7.1M
8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
982.8M
890M
894.6M
878.6M
826.3M
775.9M
642.1M
645.1M
580.1M
528.1M
486.2M
444.5M
396.1M
337.6M
311M
307.7M
312.7M
267.4M
221.1M
SHAREHOLDERS' EQUITY
25K
25K
25K
26K
26K
25K
25K
25K
25K
25K
25K
25K
25K
26K
30K
30K
30K
29.5K
0.0
28.7M
28.4M
28M
28M
28M
27.1M
26.3M
25.7M
25M
24M
23M
23.6M
23.8M
24.8M
11.9M
11.8M
11.7M
10.9M
0.0
81.5M
76.3M
73.6M
70.8M
65.2M
58.2M
51.4M
46.2M
40.5M
36.9M
32.2M
28M
24.3M
20.7M
18.1M
16.5M
15.2M
16M
15.9M
-846K
-1M
-988K
-1.1M
139K
240K
175K
114K
109K
81K
164K
183K
-269K
-496K
-659K
-671K
-1.9M
-792.6K
3.2K
0.0
0.0
0.0
0.0
0.0
-113K
-227K
-340K
-453K
-683K
-911K
-1.1M
-1.4M
-1.6M
-693K
-809K
0.0
0.0
0.0
109.4M
103.7M
100.7M
97.7M
93.4M
85.5M
77.7M
71.6M
65.2M
60.3M
54.5M
50.6M
46.5M
43.5M
28.7M
26.9M
25.1M
26.1M
15.9M
109.4M
103.7M
100.7M
97.7M
93.4M
85.5M
77.7M
71.6M
65.2M
60.3M
54.5M
50.6M
46.5M
43.5M
28.7M
26.9M
25.1M
26.1M
15.9M
SUMMARY
1.1B
993.6M
995.2M
976.4M
919.7M
861.4M
719.9M
716.7M
645.2M
588.4M
540.8M
495.2M
442.6M
381M
339.7M
334.6M
337.8M
293.5M
237M
907.1M
902.1M
896.8M
870.8M
691.6M
629.2M
624.6M
619.9M
550.6M
502.7M
463.6M
438.3M
402.3M
347.1M
300.4M
300.3M
2.9M
955.6K
822.1K
21.5M
40.8M
56.5M
60.1M
17.9M
18.7M
15.5M
84M
59M
54.8M
40.4M
30.6M
43.2M
21.9M
8.5M
24.8M
20M
42.2M
15.9M
-117M
-2.9M
6.8M
2.3M
-165.7M
-175.1M
-40.3M
22.2M
-1.7M
210K
-7.8M
1.3M
27.9M
9.1M
-8.5M
15.8M
20M
42.2M
15.9M
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017
2,552,017

SEC Filings

SFBC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 28, 2026
May 26, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 12, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 15, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

March 18, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 13, 2026
February 12, 2026
2026
8-K

8-K 2026

N/A

January 28, 2026
January 27, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 12, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 28, 2025
October 28, 2025
2025
8-K

8-K 2025

N/A

September 19, 2025
September 18, 2025
2025
Showing 1 to 10 of 210 filings