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-29.0%
5Y-1580.0%
10Y-
3Y-99.0%
5Y-156.0%
10Y-94.0%
3Y+88.0%
5Y-33.0%
10Y+114.0%
SFBC

Sound Financial Bancorp, Inc. Cash Conversion Engine

SFBC ยท NASDAQ
Net Income7.16M
Depreciation & Amortization1.10M
Stock-Based Compensation303.00K
Change in Working Capital230.00K
Others-1.70M
Capital Expenditures-170.00K
Free Cash Flow6.99M

Cash Flow Quality Analysis

FCF Conversion Rate

97.7%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

2.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+144.8%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$230.00K

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Sound Financial Bancorp, Inc. Cash Flow Statement

SFBC โ€ข NASDAQ

Sound Financial Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007
OPERATING ACTIVITIES
7.2M
4.6M
7.4M
8.8M
9.2M
8.9M
6.7M
7M
5.1M
5.4M
4.8M
4.2M
3.9M
2.6M
1.6M
1.3M
-613.8K
261.6K
319.1K
1.1M
1.6M
1.7M
1.6M
1.6M
1.8M
1.5M
989K
943K
793K
620K
1.3M
1.5M
1.5M
1.3M
1.4M
0.0
0.0
0.0
70K
-123K
-403K
-469K
155K
218K
349K
123K
103K
-23K
-359K
-137K
390K
162K
215K
-273K
0.0
0.0
0.0
303K
390K
450K
475K
360K
338K
267K
273K
523K
525K
418K
333K
168K
167K
132K
132K
0.0
0.0
0.0
-1.7M
-1.6M
-1.9M
2M
8.1M
-11.2M
-631K
937K
-506K
1.1M
-1.1M
-621K
2.2M
4.2M
4.5M
5.9M
-408.6K
1.3M
326.9K
(1.9M)
(831K)
(2.4M)
(2M)
(2.9M)
(2M)
(915K)
(2.7M)
(2.5M)
(3M)
(2.9M)
(2M)
(1.4M)
(950K)
(780K)
(825K)
(0.0)
(0.0)
(0.0)
230K
-1.9M
-346K
-2.3M
-329K
-580K
2.9M
964K
636K
-578K
-612K
1.6M
-416K
1.6M
-420K
-1.7M
1.2M
-714.9K
3.1M
7.2M
2.9M
6.9M
10.1M
19.1M
-484K
11.1M
10.3M
6.8M
7.1M
3.8M
6.8M
7.8M
10.2M
7.2M
6.8M
177.3K
812.3K
3.8M
INVESTING ACTIVITIES
(0.0)
-76K
-444K
-398K
-225K
-407K
-654K
-641K
-2.5M
-1M
-1.1M
-4M
-343K
-265K
-187K
-252K
-2.5M
-12.3M
-406.2K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(13.7M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(31.7M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-6.6M
-2M
-8.9M
-5.2M
(0.0)
(0.0)
-1.4M
(0.0)
(0.0)
-1.9M
-24M
(0.0)
-5.8M
-35.2M
(0.0)
(0.0)
238K
420K
2.1M
999K
3.5M
7.9M
845K
416K
1.2M
1.3M
4.7M
4.2M
9.2M
3.8M
1.5M
11.8M
34.2M
678.8K
94.9K
-2.7M
-4.3M
-28M
-177.8M
-79.5M
5.9M
-811K
-71.3M
-48.5M
-41.8M
-29.2M
-39.1M
-68.4M
-31.4M
-5.9M
-14.8M
-28.9M
-46.8M
-18.7M
-2.5M
-3.9M
-26.3M
-183.8M
-78.1M
(4.5M)
-5.8M
-71.5M
-36.1M
-42.9M
-25.6M
-38.9M
-61.5M
-51.8M
-4.6M
-9.1M
-577.2K
-58.5M
-19M
FINANCING ACTIVITIES
151K
-283K
-2.4M
-1.9M
-152K
-73K
0.0
0.0
0.0
0.0
-1.3M
-904K
-1.2M
12.7M
0.0
0.0
-306.1K
10.8M
0.0
-19M
-15M
-3M
43M
0.0
4.4M
-76.5M
25M
4M
14.4M
9.9M
-12.6M
21.4M
13.4M
-16.3M
4.8M
-22.2M
26.4M
-6.2M
-1.9M
-1.9M
-1.9M
-2M
-2M
-2.1M
-1.4M
-1.4M
-1.5M
-745K
-574K
-504K
-388K
(0.0)
(0.0)
-26K
-159.2K
-159.2K
(0.0)
-130K
-283K
-2.4M
-1.9M
-152K
-73K
(0.0)
(0.0)
(0.0)
(0.0)
-1.3M
-904K
-1.2M
(0.0)
(0.0)
(0.0)
-306.1K
(0.0)
(0.0)
110.9M
12.2M
18.6M
8.9M
51M
131.8M
66.6M
38.7M
32.9M
28.5M
32.8M
60.1M
36.6M
11.2M
21.7M
-9.1M
33.2M
20.1M
21.8M
90.2M
-5M
11.3M
48M
48.8M
134M
-11.3M
62.3M
35.4M
42.1M
40.9M
46.1M
56.4M
37.3M
5.3M
-4.2M
10.5M
57.1M
15.7M
CASH FLOW SUMMARY
94.8M
-6M
-8.1M
-125.8M
-10.2M
138.1M
-6M
1.1M
6.1M
6.3M
19M
14M
2.6M
-4.3M
7.9M
-6.6M
0.0
0.0
0.0
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
15.7M
0.0
0.0
0.0
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
7M
2.9M
6.4M
9.7M
18.8M
-891K
10.4M
9.7M
4.4M
6.1M
2.6M
2.8M
7.4M
9.9M
7M
6.5M
-2.3M
-11.5M
3.4M

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