$41.32
-0.36%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.
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Negative working capital indicates short-term liabilities exceed short-term assetsโpotential liquidity stress.
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
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.
SFBC โข NASDAQ
| Sound Financial Bancorp, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 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 |
SFBC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Continue your SFBC research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.