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+39.0%
5Y+45.0%
10Y+104.0%
3Y-19.0%
5Y-20.0%
10Y+33.0%
3Y-29.0%
5Y-1580.0%
10Y-
Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc. Profit Bridge

SFBC ยท NASDAQ
Revenue61.62M
Cost of Goods Sold (22.76M)
Gross Profit38.86M
Operating Expenses (30.19M)
Operating Income8.67M
Interest Expense (22.63M)
Other Income/Expense0.00
Pretax Income8.67M
Income Tax (1.51M)
Net Income7.16M
Net Income
7.16M

Profitability Analysis

Gross Margin

63.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

14.1%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

11.6%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

17.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

Sound Financial Bancorp, Inc. Income Statement

SFBC โ€ข NASDAQ

Sound Financial Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007
REVENUE
61.6M
62.1M
55.6M
44.4M
41.2M
42.4M
38.6M
37.4M
31.2M
30.2M
27.4M
25.5M
23.5M
22.2M
19.8M
23.3M
22.8M
19.4M
17.1M
GROSS PROFIT
(22.8M)
(26.3M)
(16.5M)
(5.7M)
(4.4M)
(8.4M)
(7.5M)
(5.9M)
(3.9M)
(3.4M)
(3.2M)
(3.2M)
(3.7M)
(6.9M)
(7.4M)
(8.9M)
(22.8M)
(19.4M)
(17.1M)
38.9M
35.7M
39.1M
38.7M
36.8M
34M
31M
31.5M
27.3M
26.8M
24.3M
22.3M
19.8M
15.3M
12.4M
14.4M
0.0
0.0
0.0
OPERATING INCOME
(30.2M)
(30.2M)
(30.1M)
(27.8M)
(25.4M)
(22.7M)
(22.8M)
(22.7M)
(19.1M)
(18.7M)
(17.2M)
(15.7M)
(14.1M)
(11.5M)
(10.2M)
(12.5M)
(5.3M)
(4M)
(3.5M)
(18.5M)
(17.6M)
(17.1M)
(16.4M)
(14.3M)
(12.1M)
(12.4M)
(12.8M)
(10.7M)
(10.5M)
(9.2M)
(8.3M)
(7.2M)
(6M)
(5M)
(9.8M)
(10.6M)
(8M)
(7M)
8.7M
5.6M
9M
10.9M
11.4M
11.3M
8.3M
8.7M
8.2M
8.1M
7.1M
6.6M
5.8M
3.9M
2.2M
1.9M
-741.6K
591.8K
370.2K
PRE-TAX INCOME
(22.6M)
(26.4M)
(16.8M)
(4.5M)
(4M)
(7.5M)
(7.6M)
(5.4M)
(3.4M)
(2.9M)
(2.8M)
(2.4M)
(2.3M)
(2.4M)
(2.8M)
(4.3M)
(934.1K)
(1.3M)
(1.3M)
34.9M
31M
33.9M
35.3M
29.9M
27.5M
27M
27.8M
24.1M
22.1M
19.7M
18.9M
17.3M
15.8M
15.7M
15M
-934.1K
-1.3M
-1.3M
(11.7M)
(12.6M)
(13M)
(11.4M)
(11.2M)
(10.6M)
(10.3M)
(10M)
(8.4M)
(8.2M)
(8M)
(7.4M)
(6.9M)
(5.4M)
(5.2M)
(2.7M)
-5.3M
-4M
-3.5M
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
-336.9K
-285.1K
10.9K
8.7M
5.6M
9M
10.9M
11.4M
11.3M
8.3M
8.7M
8.2M
8.1M
7M
6.6M
5.8M
3.9M
2.2M
1.9M
-1.1M
306.7K
381.1K
NET INCOME
(1.5M)
(1M)
(1.6M)
(2.1M)
(2.3M)
(2.4M)
(1.7M)
(1.7M)
(3.1M)
(2.7M)
(2.3M)
(2.3M)
(1.8M)
(1.2M)
(648K)
(545K)
-464.6K
(45.1K)
(62K)
7.2M
4.6M
7.4M
8.8M
9.2M
8.9M
6.7M
7M
5.1M
5.4M
4.7M
4.2M
3.9M
2.6M
1.6M
1.3M
-613.8K
261.6K
319.1K

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