Go Pro
→ Trump’s secret China deal (From Porter & Company) (Ad)tc pixel Free SFBC Stock Alerts

Sound Financial Bancorp (SFBC) Financials

Sound Financial Bancorp logo
$44.14 +0.16 (+0.36%)
Closing price 04:00 PM Eastern
Extended Trading
$43.86 -0.27 (-0.62%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
Compare
Annual Income Statements for Sound Financial Bancorp

Annual Income Statements for Sound Financial Bancorp

This table shows Sound Financial Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Consolidated Net Income / (Loss)		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Net Income / (Loss) Continuing Operations		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Total Pre-Tax Income 		7.08 8.07 8.19 8.75 8.33 11 11 11 9.00 5.65 8.67
Total Revenue		 25 27 28 32 31 35 37 40 39 36 39
Net Interest Income / (Expense)		 20 22 24 28 27 27 30 35 34 31 35
Total Interest Income		 22 25 27 33 35 35 34 40 51 57 58
Loans and Leases Interest Income		 22 25 27 32 33 34 33 38 46 50 53
Investment Securities Interest Income		 0.22 0.44 0.74 1.29 1.49 0.50 0.49 1.62 4.14 6.88 4.61
Total Interest Expense		 2.75 2.92 3.37 5.36 7.62 7.45 3.95 4.50 17 26 23
Deposits Interest Expense		 2.65 2.71 3.02 3.84 6.87 7.00 3.28 2.95 14 24 21
Long-Term Debt Interest Expense		 0.11 0.21 0.35 1.52 0.75 0.45 0.67 1.55 2.62 2.30 1.72
Total Non-Interest Income		 5.26 5.12 3.86 4.29 4.03 7.45 7.33 4.58 5.01 4.66 3.96
Other Service Charges		 3.45 3.42 2.46 3.44 2.96 2.93 3.53 3.61 3.71 1.16 3.58
Net Realized & Unrealized Capital Gains on Investments		 1.27 1.37 1.07 1.04 1.45 6.02 4.19 0.55 0.34 0.26 0.26
Other Non-Interest Income		 0.55 0.34 0.33 -0.19 -0.38 -1.51 -0.39 0.43 0.96 0.63 0.13
Provision for Credit Losses		 0.40 0.45 0.50 0.53 -0.13 0.93 0.43 1.16 -0.27 -0.12 0.13
Total Non-Interest Expense		 17 19 19 23 23 23 25 28 30 30 30
Salaries and Employee Benefits		 9.22 11 11 13 12 12 14 16 17 23 17
Net Occupancy & Equipment Expense		 3.21 3.31 3.63 4.06 4.16 4.54 5.01 5.10 6.20 5.89 6.76
Other Operating Expenses		 5.05 4.91 4.89 5.99 6.22 6.06 6.13 6.33 6.80 0.79 6.62
Income Tax Expense		 2.29 2.70 3.07 1.71 1.65 2.39 2.27 2.07 1.56 1.01 1.51
Basic Earnings per Share		 $1.92 $2.16 $2.05 $2.82 $2.63 $3.46 $3.52 $3.39 $2.88 $1.81 $2.79
Weighted Average Basic Shares Outstanding		 2.49M 2.49M 2.50M 2.50M 2.53M 2.56M 2.58M 2.58M 2.56M 2.54M 2.56M
Diluted Earnings per Share		 $1.86 $2.09 $2.00 $2.74 $2.57 $3.42 $3.46 $3.35 $2.86 $1.80 $2.77
Weighted Average Diluted Shares Outstanding		 2.58M 2.57M 2.57M 2.57M 2.58M 2.59M 2.63M 2.61M 2.58M 2.57M 2.58M
Weighted Average Basic & Diluted Shares Outstanding		 2.48M 2.50M 2.52M 2.55M 2.58M 2.60M 2.62M 2.60M 2.56M 2.57M 2.57M
Cash Dividends to Common per Share		 $0.23 $0.30 $0.60 $0.54 $0.56 $0.80 $0.78 $0.78 $0.74 $0.76 $0.76

Quarterly Income Statements for Sound Financial Bancorp

This table shows Sound Financial Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.17 1.21 0.77 0.80 1.15 1.92 1.17 2.05 1.70 2.24 1.58
Consolidated Net Income / (Loss)		 1.17 1.21 0.77 0.80 1.15 1.92 1.17 2.05 1.70 2.24 1.58
Net Income / (Loss) Continuing Operations		 1.17 1.21 0.77 0.80 1.15 1.92 1.17 2.05 1.70 2.24 1.58
Total Pre-Tax Income 		1.46 1.35 0.93 0.98 1.42 2.31 1.46 2.54 2.09 2.58 1.96
Total Revenue		 9.25 8.63 8.56 8.61 9.11 9.38 9.17 10 9.82 9.53 9.96
Net Interest Income / (Expense)		 8.17 7.57 7.46 7.45 7.87 8.22 8.07 9.26 8.94 8.66 9.05
Total Interest Income		 13 13 14 14 15 15 14 15 15 14 14
Loans and Leases Interest Income		 12 12 12 12 13 13 13 14 14 13 13
Investment Securities Interest Income		 1.18 1.30 1.53 1.72 1.96 1.67 1.12 1.22 1.14 1.13 1.16
Total Interest Expense		 4.52 5.77 6.30 6.59 6.97 6.52 5.64 5.66 5.71 5.62 5.42
Deposits Interest Expense		 3.88 5.17 5.70 5.99 6.36 6.02 5.21 5.23 5.28 5.20 5.12
Long-Term Debt Interest Expense		 0.64 0.60 0.60 0.60 0.60 0.50 0.43 0.44 0.44 0.42 0.29
Total Non-Interest Income		 1.08 1.07 1.10 1.16 1.24 1.16 1.10 1.12 0.88 0.87 0.91
Other Service Charges		 1.00 0.86 0.89 1.07 0.91 0.90 0.95 0.93 0.93 0.76 0.82
Net Realized & Unrealized Capital Gains on Investments		 0.08 0.08 0.09 0.07 0.04 0.05 0.05 0.04 0.09 0.07 0.10
Other Non-Interest Income		 0.01 0.13 0.11 0.02 0.29 0.20 0.10 0.15 -0.15 0.03 -0.01
Provision for Credit Losses		 0.08 -0.03 -0.03 -0.11 0.01 0.01 -0.20 0.17 0.06 0.11 0.12
Total Non-Interest Expense		 7.71 7.31 7.66 7.74 7.68 7.06 7.91 7.67 7.68 6.84 7.87
Salaries and Employee Benefits		 4.15 3.80 4.54 4.66 4.47 3.92 4.60 4.32 4.26 3.53 4.46
Net Occupancy & Equipment Expense		 1.75 1.77 1.46 1.31 1.48 1.64 1.73 1.67 1.71 1.66 1.71
Other Operating Expenses		 1.81 1.74 1.65 1.77 1.73 1.50 1.59 1.67 1.71 1.65 1.70
Income Tax Expense		 0.30 0.14 0.16 0.19 0.27 0.39 0.29 0.49 0.40 0.34 0.38
Basic Earnings per Share		 $0.45 $0.47 $0.30 $0.31 $0.45 $0.75 $0.45 $0.80 $0.66 $0.88 $0.61
Weighted Average Basic Shares Outstanding		 2.55M 2.56M 2.54M 2.54M 2.54M 2.54M 2.55M 2.56M 2.56M 2.56M 2.56M
Diluted Earnings per Share		 $0.45 $0.47 $0.30 $0.31 $0.45 $0.74 $0.45 $0.79 $0.66 $0.87 $0.61
Weighted Average Diluted Shares Outstanding		 2.57M 2.58M 2.56M 2.56M 2.57M 2.57M 2.58M 2.58M 2.58M 2.58M 2.57M
Weighted Average Basic & Diluted Shares Outstanding		 2.57M 2.56M 2.56M 2.56M 2.56M 2.57M 2.57M 2.57M 2.57M 2.57M 2.57M
Cash Dividends to Common per Share		 $0.19 - $0.19 $0.19 $0.19 - $0.19 $0.19 $0.19 - $0.21

Annual Cash Flow Statements for Sound Financial Bancorp

This table details how cash moves in and out of Sound Financial Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 19 6.32 6.10 1.13 -6.04 138 -10 -126 -8.15 -6.05 95
Net Cash From Operating Activities		 3.75 7.15 6.82 10 11 -0.48 19 10 6.89 2.93 7.16
Net Cash From Continuing Operating Activities		 3.75 7.15 6.82 10 11 -0.48 19 10 6.89 2.93 7.16
Net Income / (Loss) Continuing Operations		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Consolidated Net Income / (Loss)		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Provision For Loan Losses		 0.40 0.45 0.50 0.53 -0.13 0.93 0.43 1.16 -0.27 -0.12 0.13
Depreciation Expense		 0.62 0.79 0.94 0.99 0.93 0.91 0.68 0.70 0.72 0.62 0.49
Amortization Expense		 0.10 0.05 -0.00 0.04 0.64 1.08 1.05 0.97 1.02 1.04 1.10
Non-Cash Adjustments to Reconcile Net Income		 -1.55 1.05 -0.38 0.71 -0.56 -12 7.01 1.06 -1.73 -1.46 -2.07
Changes in Operating Assets and Liabilities, net		 -0.61 -0.58 0.63 1.02 3.49 -0.72 0.76 -2.63 -0.28 -1.79 0.36
Net Cash From Investing Activities		 -26 -43 -36 -71 -5.79 4.50 -78 -184 -26 -3.95 -2.50
Net Cash From Continuing Investing Activities		 -26 -43 -36 -71 -5.79 4.50 -78 -184 -26 -3.95 -2.50
Purchase of Property, Leasehold Improvements and Equipment		 -1.11 -1.01 -2.47 -0.64 -0.65 -0.41 -0.23 -0.40 -0.44 -0.08 -0.17
Purchase of Investment Securities		 -30 -43 -49 -71 -6.45 -8.95 -81 -184 -28 -5.05 -3.54
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - - 0.04 0.00
Sale and/or Maturity of Investments		 5.41 1.53 1.68 0.43 1.32 7.91 3.56 1.00 2.15 1.15 1.21
Net Cash From Financing Activities		 41 42 35 62 -11 134 49 48 11 -5.04 90
Net Cash From Continuing Financing Activities		 41 42 35 62 -11 134 49 48 11 -5.04 90
Net Change in Deposits		 32 28 32 39 63 131 50 10 18 11 111
Repayment of Debt		 -97 -137 -225 -238 -243 -182 - -1.79 -43 -15 -19
Repurchase of Common Equity		 -1.26 - - - 0.00 -0.07 -0.15 -1.73 -2.14 -0.07 0.00
Payment of Dividends		 -0.57 -0.75 -1.51 -1.37 -1.43 -2.07 -2.04 -2.03 -1.91 -1.95 -1.95
Other Financing Activities, Net		 0.16 0.23 0.04 0.12 3.11 0.52 0.18 0.09 0.57 0.72 0.02
Cash Interest Paid		 2.76 2.92 3.36 5.30 7.53 7.31 4.12 4.31 16 26 23
Cash Income Taxes Paid		 2.86 3.04 2.46 2.67 0.92 1.96 2.90 2.01 2.40 0.83 1.93

Quarterly Cash Flow Statements for Sound Financial Bancorp

This table details how cash moves in and out of Sound Financial Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 1.72 -52 88 -2.87 14 -105 88 -29 -1.39 37 -0.47
Net Cash From Operating Activities		 2.96 2.12 3.52 -4.02 3.28 0.15 1.85 -0.49 3.80 2.01 1.51
Net Cash From Continuing Operating Activities		 2.96 2.12 3.52 -4.02 3.28 0.15 1.85 -0.49 3.80 2.01 1.51
Net Income / (Loss) Continuing Operations		 1.17 1.21 0.77 0.79 1.16 1.92 1.17 2.05 1.70 2.24 1.58
Consolidated Net Income / (Loss)		 1.17 1.21 0.77 0.79 1.16 1.92 1.17 2.05 1.70 2.24 1.58
Provision For Loan Losses		 0.08 -0.03 -0.03 -0.11 0.01 0.01 -0.20 0.17 0.06 0.11 0.12
Depreciation Expense		 0.18 0.18 0.18 0.17 0.14 0.14 0.14 0.12 0.12 0.12 0.10
Amortization Expense		 0.25 0.26 0.26 0.26 0.26 0.26 0.27 0.28 0.28 0.28 0.21
Non-Cash Adjustments to Reconcile Net Income		 1.08 -0.01 -0.06 -1.03 -0.27 -0.86 -2.34 -1.05 0.59 0.72 0.19
Changes in Operating Assets and Liabilities, net		 0.21 0.51 2.40 -4.10 1.98 -1.33 2.81 -2.06 1.07 -1.46 -0.70
Net Cash From Investing Activities		 -20 -19 -5.10 12 -12 1.75 14 -17 -4.18 4.84 -21
Net Cash From Continuing Investing Activities		 -20 -19 -5.10 12 -12 1.75 14 -17 -4.18 4.84 -21
Purchase of Property, Leasehold Improvements and Equipment		 -0.06 -0.22 -1.62 1.61 -0.04 -0.03 -0.04 -0.02 -0.04 -0.07 -0.03
Purchase of Investment Securities		 -20 -19 -3.57 9.45 -12 1.55 14 -17 -4.44 4.16 -21
Sale and/or Maturity of Investments		 0.11 0.13 0.09 0.74 0.12 0.23 0.08 0.08 0.29 0.76 0.34
Net Cash From Financing Activities		 19 -35 90 -11 23 -107 72 -11 -1.01 30 19
Net Cash From Continuing Financing Activities		 19 -35 90 -11 23 -107 72 -11 -1.01 30 19
Net Change in Deposits		 39 -34 90 -10 23 -92 73 -11 -0.52 50 20
Repayment of Debt		 -20 - -0.01 0.01 -0.01 -15 -0.00 - -0.00 -19 -0.06
Payment of Dividends		 -0.49 -0.49 -0.49 -0.49 -0.49 -0.49 -0.49 -0.49 -0.49 -0.49 -0.54
Other Financing Activities, Net		 0.82 0.39 0.03 -0.00 0.01 0.69 0.02 - - - 0.00
Cash Interest Paid		 4.55 5.54 6.40 6.55 6.82 6.66 5.81 5.61 5.57 5.72 5.60
Cash Income Taxes Paid		 0.52 0.30 0.00 0.24 0.17 0.42 0.00 0.76 - 1.16 0.00

Annual Balance Sheets for Sound Financial Bancorp

This table presents Sound Financial Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 541 588 645 717 720 861 920 976 995 994 1,092
Cash and Due from Banks		 48 55 61 62 56 194 184 58 50 44 138
Trading Account Securities		 6.70 6.60 5.44 4.96 9.31 10 8.42 12 8.29 7.79 9.59
Loans and Leases, Net of Allowance		 455 495 543 614 -5.64 -6.00 680 858 886 892 897
Loans and Leases		 459 500 549 620 - - 686 866 894 900 906
Allowance for Loan and Lease Losses		 4.64 4.82 5.24 5.77 5.64 6.00 6.31 7.60 8.76 8.50 8.61
Loans Held for Sale		 2.09 0.87 1.78 1.17 1.06 12 3.09 0.00 0.60 0.49 0.54
Premises and Equipment, Net		 5.34 5.55 7.39 7.04 6.77 6.27 5.82 5.51 5.24 4.70 4.24
Other Assets		 24 26 27 28 653 645 39 42 46 42 39
Total Liabilities & Shareholders' Equity		 541 588 645 717 720 861 920 976 995 994 1,092
Total Liabilities		 486 528 580 645 642 776 826 879 895 890 983
Non-Interest Bearing Deposits		 51 64 72 96 97 132 190 173 127 133 133
Interest Bearing Deposits		 390 405 443 458 521 617 609 637 701 707 818
Accrued Interest Payable		 0.07 0.07 0.08 0.14 0.23 0.37 0.20 0.40 0.82 0.77 0.67
Long-Term Debt		 40 55 59 84 7.50 12 12 55 52 37 18
Other Long-Term Liabilities		 5.14 4.87 5.97 6.68 16 15 15 14 14 9.37 10
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 55 60 65 72 78 85 93 98 101 104 109
Total Preferred & Common Equity		 55 60 65 72 78 85 93 98 101 104 109
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 55 60 65 72 78 85 93 98 101 104 109
Common Stock		 23 24 25 26 26 27 28 28 28 28 29
Retained Earnings		 32 37 40 46 51 58 65 71 74 76 81
Accumulated Other Comprehensive Income / (Loss)		 0.16 0.08 0.11 0.11 0.18 0.24 0.14 -1.12 -0.99 -1.04 -0.85

Quarterly Balance Sheets for Sound Financial Bancorp

This table presents Sound Financial Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,030 1,087 1,075 1,101 1,069 1,058 1,060 1,112
Cash and Due from Banks		 102 138 135 149 131 103 101 138
Trading Account Securities		 10 10 10 10 9.81 7.52 9.54 9.40
Loans and Leases, Net of Allowance		 867 889 881 893 878 896 901 913
Loans and Leases		 875 898 889 902 886 904 910 922
Allowance for Loan and Lease Losses		 8.44 8.60 8.49 8.59 8.39 8.54 8.56 8.64
Loans Held for Sale		 1.15 0.35 0.26 0.07 2.27 2.03 0.27 0.28
Premises and Equipment, Net		 5.20 6.69 4.91 4.81 4.59 4.50 4.42 4.17
Other Assets		 45 42 44 44 43 42 40 44
Total Liabilities & Shareholders' Equity		 1,030 1,087 1,075 1,101 1,069 1,058 1,060 1,112
Total Liabilities		 930 986 974 999 965 952 953 1,002
Non-Interest Bearing Deposits		 154 129 125 130 127 124 131 131
Interest Bearing Deposits		 709 790 783 803 786 776 770 840
Accrued Interest Payable		 0.59 0.72 0.76 0.91 0.59 0.63 0.77 0.50
Long-Term Debt		 52 52 52 52 37 37 37 18
Other Long-Term Liabilities		 15 14 13 14 15 10 10 8.84
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 100 101 101 102 104 106 107 110
Total Preferred & Common Equity		 100 101 101 102 104 106 107 110
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 100 101 101 102 104 106 107 110
Common Stock		 28 28 28 28 29 29 29 29
Retained Earnings		 73 74 74 75 77 79 80 83
Accumulated Other Comprehensive Income / (Loss)		 -1.34 -1.05 -1.05 -0.92 -1.06 -1.13 -0.96 -0.93

Annual Metrics And Ratios for Sound Financial Bancorp

This table displays calculated financial ratios and metrics derived from Sound Financial Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 2,465,907.00 2,498,604.00 2,510,045.00 2,539,814.00 2,567,946.00 2,595,289.00 2,617,425.00 2,583,619.00 2,568,707.00 - 2,566,069.00
DEI Adjusted Shares Outstanding		 2,465,907.00 2,498,604.00 2,510,045.00 2,539,814.00 2,567,946.00 2,595,289.00 2,617,425.00 2,583,619.00 2,568,707.00 - 2,566,069.00
DEI Earnings Per Adjusted Shares Outstanding		 1.94 2.15 2.04 2.77 2.60 3.44 3.50 3.41 2.90 - 2.79
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.12% 9.15% 2.54% 14.86% -3.44% 12.72% 6.64% 7.06% -2.56% -8.23% 9.07%
EBITDA Growth		 -6.31% 14.27% 2.47% 7.02% 1.31% 34.42% -1.22% -4.57% -14.46% -31.90% 40.40%
EBIT Growth		 7.62% 14.04% 1.49% 6.74% -4.75% 35.99% 0.88% -4.83% -17.25% -37.27% 53.60%
NOPAT Growth		 12.97% 12.28% -4.70% 37.35% -5.11% 33.81% 2.45% -3.84% -15.50% -37.63% 54.27%
Net Income Growth		 12.97% 12.28% -4.70% 37.35% -5.11% 33.81% 2.45% -3.84% -15.50% -37.63% 54.27%
EPS Growth		 14.11% 12.37% -4.31% 37.00% -6.20% 33.07% 1.17% -3.18% -14.63% -37.06% 53.89%
Operating Cash Flow Growth		 -44.86% 90.56% -4.53% 51.30% 7.15% -104.37% 4,040.70% -47.29% -31.51% -57.42% 144.24%
Free Cash Flow Firm Growth		 -170.18% -64.75% 73.07% -515.63% 415.54% -103.78% 142.57% -3,211.69% 119.31% 122.66% 22.89%
Invested Capital Growth		 16.91% 21.18% 7.90% 25.34% -45.24% 13.90% 8.15% 45.14% -0.01% -7.84% -9.42%
Revenue Q/Q Growth		 2.30% 3.14% 0.20% 2.26% -0.46% 7.14% -2.85% 3.93% -5.07% 2.15% 0.37%
EBITDA Q/Q Growth		 0.71% 6.67% 0.04% -3.26% 1.17% 25.35% -14.84% 12.04% -17.32% 14.35% 2.66%
EBIT Q/Q Growth		 4.56% 5.93% -0.38% -3.18% 4.16% 24.03% -16.30% 12.29% -18.98% 20.44% 3.26%
NOPAT Q/Q Growth		 9.56% 6.83% -6.87% 6.91% 3.55% 22.19% -15.12% 13.67% -18.70% 18.10% 4.73%
Net Income Q/Q Growth		 9.56% 6.83% -6.87% 6.91% 3.55% 22.19% -15.12% 13.67% -18.70% 18.10% 4.73%
EPS Q/Q Growth		 10.06% 6.09% -5.66% 5.79% 2.80% 22.14% -15.20% 14.33% -18.52% 17.65% 4.92%
Operating Cash Flow Q/Q Growth		 -57.34% 66.89% -15.71% 0.33% 36.50% 91.58% -9.82% -19.49% -26.40% -40.18% 34.88%
Free Cash Flow Firm Q/Q Growth		 -266.52% -6.95% -139.96% 64.44% -8.90% 49.13% -85.85% 3.17% -10.53% 779.43% 22.92%
Invested Capital Q/Q Growth		 23.38% 20.15% 35.93% -6.60% -3.66% -4.36% 1.41% 0.83% 0.28% -8.81% -11.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.25% 32.71% 32.69% 30.46% 31.96% 38.11% 35.30% 31.47% 27.62% 20.50% 26.39%
EBIT Margin		 28.36% 29.63% 29.32% 27.25% 26.88% 32.43% 30.68% 27.27% 23.16% 15.83% 22.30%
Profit (Net Income) Margin		 19.19% 19.74% 18.34% 21.93% 21.55% 25.58% 24.58% 22.08% 19.15% 13.01% 18.41%
Tax Burden Percent		 67.66% 66.62% 62.55% 80.49% 80.18% 78.89% 80.12% 80.95% 82.66% 82.18% 82.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 32.34% 33.38% 37.45% 19.51% 19.82% 21.11% 19.88% 19.05% 17.34% 17.82% 17.46%
Return on Invested Capital (ROIC)		 5.44% 5.12% 4.28% 5.03% 5.55% 9.80% 9.06% 6.84% 4.88% 3.17% 5.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.44% 5.12% 4.28% 5.03% 5.55% 9.80% 9.06% 6.84% 4.88% 3.17% 5.35%
Return on Net Nonoperating Assets (RNNOA)		 3.67% 4.25% 3.89% 5.26% 3.40% 1.15% 1.18% 2.37% 2.62% 1.37% 1.37%
Return on Equity (ROE)		 9.11% 9.37% 8.17% 10.29% 8.94% 10.95% 10.24% 9.22% 7.50% 4.54% 6.72%
Cash Return on Invested Capital (CROIC)		 -10.15% -14.03% -3.32% -17.46% 64.01% -3.20% 1.23% -29.98% 4.89% 11.33% 15.23%
Operating Return on Assets (OROA)		 1.37% 1.43% 1.33% 1.28% 1.16% 1.43% 1.28% 1.15% 0.91% 0.57% 0.83%
Return on Assets (ROA)		 0.92% 0.95% 0.83% 1.03% 0.93% 1.13% 1.03% 0.93% 0.75% 0.47% 0.69%
Return on Common Equity (ROCE)		 9.11% 9.37% 8.17% 10.29% 8.94% 10.95% 10.24% 9.22% 7.50% 4.54% 6.72%
Return on Equity Simple (ROE_SIMPLE)		 8.79% 8.92% 7.87% 9.83% 8.59% 10.45% 9.81% 9.01% 7.39% 4.48% 6.54%
Net Operating Profit after Tax (NOPAT)		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
NOPAT Margin		 19.19% 19.74% 18.34% 21.93% 21.55% 25.58% 24.58% 22.08% 19.15% 13.01% 18.41%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.80% 50.70% 51.39% 52.45% 53.46% 47.59% 51.73% 53.95% 60.05% 65.85% 60.35%
Operating Expenses to Revenue		 70.04% 68.71% 68.89% 71.12% 73.52% 64.92% 68.18% 69.83% 77.54% 84.50% 77.38%
Earnings before Interest and Taxes (EBIT)		 7.08 8.07 8.19 8.75 8.33 11 11 11 9.00 5.65 8.67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.80 8.91 9.13 9.78 9.90 13 13 13 11 7.31 10
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.87 1.00 1.15 1.03 1.08 0.90 1.17 1.00 0.97 1.30 1.01
Price to Tangible Book Value (P/TBV)		 0.87 1.00 1.15 1.03 1.08 0.90 1.17 1.00 0.97 1.30 1.01
Price to Revenue (P/Rev)		 1.90 2.21 2.68 2.29 2.70 2.19 2.93 2.46 2.52 3.77 2.85
Price to Earnings (P/E)		 9.90 11.19 14.61 10.45 12.51 8.56 11.92 11.14 13.18 28.99 15.49
Dividend Yield		 1.20% 1.25% 1.68% 1.87% 1.72% 2.04% 1.63% 1.79% 1.94% 1.45% 0.88%
Earnings Yield		 10.10% 8.94% 6.85% 9.57% 7.99% 11.68% 8.39% 8.98% 7.59% 3.45% 6.46%
Enterprise Value to Invested Capital (EV/IC)		 0.42 0.52 0.59 0.62 0.41 0.00 0.00 0.62 0.66 0.91 0.00
Enterprise Value to Revenue (EV/Rev)		 1.59 2.22 2.62 2.98 1.14 0.00 0.00 2.38 2.58 3.58 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 5.07 6.77 8.01 9.79 3.57 0.00 0.00 7.56 9.32 17.46 0.00
Enterprise Value to EBIT (EV/EBIT)		 5.59 7.48 8.93 10.95 4.24 0.00 0.00 8.73 11.12 22.60 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 8.26 11.23 14.28 13.60 5.29 0.00 0.00 10.78 13.45 27.50 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.55 8.45 10.72 9.27 3.19 0.00 0.00 9.44 14.53 43.53 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.46 0.00 0.00 0.00 13.44 7.69 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.74 0.91 0.91 1.17 0.10 0.14 0.12 0.56 0.51 0.35 0.16
Long-Term Debt to Equity		 0.74 0.91 0.91 1.17 0.10 0.14 0.12 0.56 0.51 0.35 0.16
Financial Leverage		 0.68 0.83 0.91 1.05 0.61 0.12 0.13 0.35 0.54 0.43 0.26
Leverage Ratio		 9.85 9.84 9.83 9.96 9.62 9.69 9.96 9.92 9.94 9.73 9.79
Compound Leverage Factor		 9.85 9.84 9.83 9.96 9.62 9.69 9.96 9.92 9.94 9.73 9.79
Debt to Total Capital		 42.58% 47.62% 47.52% 53.98% 8.80% 11.94% 11.08% 35.88% 33.94% 26.18% 13.99%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 42.58% 47.62% 47.52% 53.98% 8.80% 11.94% 11.08% 35.88% 33.94% 26.18% 13.99%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 57.42% 52.38% 52.48% 46.02% 91.20% 88.06% 88.92% 64.12% 66.06% 73.82% 86.01%
Debt to EBITDA		 5.18 6.15 6.46 8.59 0.76 0.87 0.88 4.36 4.82 5.03 1.73
Net Debt to EBITDA		 -1.00 0.02 -0.18 2.27 -4.87 -13.69 -13.08 -0.25 0.19 -0.94 -11.76
Long-Term Debt to EBITDA		 5.18 6.15 6.46 8.59 0.76 0.87 0.88 4.36 4.82 5.03 1.73
Debt to NOPAT		 8.44 10.19 11.51 11.93 1.12 1.30 1.27 6.21 6.95 7.92 2.49
Net Debt to NOPAT		 -1.63 0.04 -0.33 3.15 -7.23 -20.39 -18.78 -0.36 0.27 -1.48 -16.86
Long-Term Debt to NOPAT		 8.44 10.19 11.51 11.93 1.12 1.30 1.27 6.21 6.95 7.92 2.49
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -8.94 -15 -3.97 -24 77 -2.91 1.24 -39 7.45 17 20
Operating Cash Flow to CapEx		 337.32% 709.83% 275.83% 1,610.76% 1,691.59% -118.92% 8,476.89% 2,526.13% 1,550.90% 3,857.89% 4,212.35%
Free Cash Flow to Firm to Interest Expense		 -3.25 -5.05 -1.18 -4.56 10.12 -0.39 0.31 -8.57 0.44 0.63 0.90
Operating Cash Flow to Interest Expense		 1.36 2.45 2.03 1.93 1.45 -0.07 4.82 2.23 0.41 0.11 0.32
Operating Cash Flow Less CapEx to Interest Expense		 0.96 2.10 1.29 1.81 1.37 -0.12 4.77 2.15 0.38 0.11 0.31
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.58 5.01 4.32 4.45 4.49 5.36 6.16 7.04 7.23 7.18 8.70
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 95 115 124 156 85 97 105 152 152 140 127
Invested Capital Turnover		 0.28 0.26 0.23 0.23 0.26 0.38 0.37 0.31 0.26 0.24 0.29
Increase / (Decrease) in Invested Capital		 14 20 9.09 31 -70 12 7.92 47 -0.01 -12 -13
Enterprise Value (EV)		 40 60 73 96 35 -106 -63 95 100 128 -9.78
Market Capitalization		 47 60 75 74 84 77 109 98 98 134 111
Book Value per Share		 $22.11 $24.12 $25.96 $28.20 $30.27 $32.94 $35.67 $37.82 $39.18 $40.43 $42.63
Tangible Book Value per Share		 $22.11 $24.12 $25.96 $28.20 $30.27 $32.94 $35.67 $37.82 $39.18 $40.43 $42.63
Total Capital		 95 115 124 156 85 97 105 152 152 140 127
Total Debt		 40 55 59 84 7.50 12 12 55 52 37 18
Total Long-Term Debt		 40 55 59 84 7.50 12 12 55 52 37 18
Net Debt		 -7.83 0.21 -1.68 22 -48 -182 -172 -3.16 2.03 -6.88 -121
Capital Expenditures (CapEx)		 1.11 1.01 2.47 0.64 0.65 0.41 0.23 0.40 0.44 0.08 0.17
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 40 55 59 84 7.50 12 12 55 52 37 18
Total Depreciation and Amortization (D&A)		 0.72 0.84 0.94 1.03 1.57 1.98 1.72 1.67 1.73 1.66 1.59
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.92 $2.16 $2.05 $2.82 $2.63 $3.46 $3.52 $3.39 $2.88 $1.81 $2.79
Adjusted Weighted Average Basic Shares Outstanding		 2.49M 2.49M 2.50M 2.50M 2.53M 2.56M 2.58M 2.58M 2.56M 2.54M 2.56M
Adjusted Diluted Earnings per Share		 $1.86 $2.09 $2.00 $2.74 $2.57 $3.42 $3.46 $3.35 $2.86 $1.80 $2.77
Adjusted Weighted Average Diluted Shares Outstanding		 2.58M 2.57M 2.57M 2.57M 2.58M 2.59M 2.63M 2.61M 2.58M 2.57M 2.58M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.48M 2.50M 2.52M 2.55M 2.58M 2.60M 2.62M 2.60M 2.56M 2.57M 2.57M
Normalized Net Operating Profit after Tax (NOPAT)		 4.79 5.38 5.13 7.04 6.68 8.94 9.16 8.80 7.44 4.64 7.16
Normalized NOPAT Margin		 19.19% 19.74% 18.34% 21.93% 21.55% 25.58% 24.58% 22.08% 19.15% 13.01% 18.41%
Pre Tax Income Margin		 28.36% 29.63% 29.32% 27.25% 26.88% 32.43% 30.68% 27.27% 23.16% 15.83% 22.30%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.57 2.77 2.43 1.63 1.09 1.52 2.89 2.42 0.54 0.21 0.38
NOPAT to Interest Expense		 1.74 1.84 1.52 1.31 0.88 1.20 2.32 1.96 0.44 0.18 0.32
EBIT Less CapEx to Interest Expense		 2.17 2.42 1.70 1.51 1.01 1.47 2.83 2.33 0.51 0.21 0.38
NOPAT Less CapEx to Interest Expense		 1.34 1.50 0.79 1.19 0.79 1.15 2.26 1.87 0.42 0.17 0.31
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 11.98% 13.85% 29.37% 19.42% 21.47% 23.18% 22.27% 23.07% 25.72% 41.98% 27.20%
Augmented Payout Ratio		 38.31% 13.85% 29.37% 19.42% 21.47% 24.00% 23.93% 42.76% 54.44% 43.38% 27.20%

Quarterly Metrics And Ratios for Sound Financial Bancorp

This table displays calculated financial ratios and metrics derived from Sound Financial Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 2,570,811.00 2,568,707.00 2,558,546.00 2,557,485.00 2,564,095.00 - 2,566,069.00 2,566,069.00 2,566,069.00 2,566,069.00 2,566,069.00
DEI Adjusted Shares Outstanding		 2,570,811.00 2,568,707.00 2,558,546.00 2,557,485.00 2,564,095.00 - 2,566,069.00 2,566,069.00 2,566,069.00 2,566,069.00 2,566,069.00
DEI Earnings Per Adjusted Shares Outstanding		 0.45 0.47 0.30 0.31 0.45 - 0.45 0.80 0.66 0.87 0.61
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -12.93% -19.37% -17.25% -19.04% -1.52% 8.70% 7.16% 20.50% 7.83% 1.52% 8.59%
EBITDA Growth		 -47.97% -55.64% -56.45% -63.96% -3.70% 51.17% 36.42% 108.89% 36.02% 9.82% 21.83%
EBIT Growth		 -54.42% -60.92% -65.64% -71.69% -2.94% 70.86% 56.27% 158.66% 47.08% 11.86% 34.43%
NOPAT Growth		 -54.08% -58.58% -64.48% -72.51% -1.28% 58.76% 51.56% 158.11% 46.88% 16.81% 35.05%
Net Income Growth		 -54.08% -58.58% -64.48% -72.51% -1.28% 58.76% 51.56% 158.11% 46.88% 16.81% 35.05%
EPS Growth		 -53.61% -58.04% -63.86% -72.07% 0.00% 57.45% 50.00% 154.84% 46.67% 17.57% 35.56%
Operating Cash Flow Growth		 5,208.62% -53.79% 79.36% -2,393.79% 10.53% -92.79% -47.37% 87.70% 15.97% 1,210.46% -18.74%
Free Cash Flow Firm Growth		 100.77% 102.74% 82.30% 156.83% -357.68% 1,036.64% 290.51% -36.10% 1,387.06% 11.55% 14.70%
Invested Capital Growth		 0.55% -0.01% 5.11% -10.80% 1.34% -7.84% -7.54% -6.73% -6.33% -9.42% -9.19%
Revenue Q/Q Growth		 -13.03% -6.67% -0.88% 0.63% 5.78% 3.02% -2.28% 13.15% -5.34% -3.00% 4.52%
EBITDA Q/Q Growth		 -51.45% -5.39% -23.55% 2.63% 29.73% 48.52% -31.01% 57.14% -15.53% 19.91% -23.46%
EBIT Q/Q Growth		 -57.80% -7.65% -30.99% 5.25% 44.70% 62.56% -36.88% 74.21% -17.72% 23.64% -24.15%
NOPAT Q/Q Growth		 -59.58% 3.51% -36.36% 3.25% 45.16% 66.46% -39.25% 75.84% -17.40% 32.39% -29.77%
Net Income Q/Q Growth		 -59.58% 3.51% -36.36% 3.25% 45.16% 66.46% -39.25% 75.84% -17.40% 32.39% -29.77%
EPS Q/Q Growth		 -59.46% 4.44% -36.17% 3.33% 45.16% 64.44% -39.19% 75.56% -16.46% 31.82% -29.89%
Operating Cash Flow Q/Q Growth		 1,940.37% -28.38% 65.83% -214.09% 181.57% -95.33% 1,110.46% -126.67% 868.83% -47.21% -24.94%
Free Cash Flow Firm Q/Q Growth		 101.01% 253.62% -645.82% 390.30% -104.60% 1,659.84% -8.52% -2.62% -7.37% 35.19% -5.93%
Invested Capital Q/Q Growth		 -11.46% 0.28% 0.23% 0.24% 0.59% -8.81% 0.55% 1.12% 1.02% -11.81% 0.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 20.48% 20.76% 16.01% 16.33% 20.03% 28.87% 20.38% 28.31% 25.26% 31.23% 22.87%
EBIT Margin		 15.83% 15.66% 10.90% 11.41% 15.60% 24.62% 15.90% 24.48% 21.28% 27.13% 19.68%
Profit (Net Income) Margin		 12.64% 14.02% 9.00% 9.23% 12.67% 20.47% 12.73% 19.78% 17.26% 23.56% 15.83%
Tax Burden Percent		 79.85% 89.50% 82.53% 80.96% 81.21% 83.16% 80.04% 80.79% 81.10% 86.84% 80.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.15% 10.50% 17.47% 19.04% 18.79% 16.84% 19.96% 19.21% 18.90% 13.16% 19.59%
Return on Invested Capital (ROIC)		 3.41% 3.57% 2.24% 1.99% 2.89% 4.99% 3.14% 5.09% 4.48% 6.85% 4.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.41% 3.57% 2.24% 1.99% 2.89% 4.99% 3.14% 5.09% 4.48% 6.85% 4.66%
Return on Net Nonoperating Assets (RNNOA)		 1.89% 1.92% 1.10% 1.22% 1.48% 2.16% 1.35% 2.17% 1.89% 1.75% 1.18%
Return on Equity (ROE)		 5.30% 5.49% 3.34% 3.22% 4.37% 7.15% 4.49% 7.26% 6.38% 8.60% 5.85%
Cash Return on Invested Capital (CROIC)		 5.49% 4.89% -0.93% 13.85% 1.23% 11.33% 11.27% 11.22% 11.12% 15.23% 15.25%
Operating Return on Assets (OROA)		 0.64% 0.62% 0.39% 0.38% 0.51% 0.88% 0.54% 0.87% 0.76% 1.01% 0.72%
Return on Assets (ROA)		 0.51% 0.55% 0.32% 0.31% 0.42% 0.73% 0.43% 0.71% 0.62% 0.88% 0.58%
Return on Common Equity (ROCE)		 5.30% 5.49% 3.34% 3.22% 4.37% 7.15% 4.49% 7.26% 6.38% 8.60% 5.85%
Return on Equity Simple (ROE_SIMPLE)		 9.13% 0.00% 5.98% 3.89% 3.84% 0.00% 4.82% 5.94% 6.36% 0.00% 6.85%
Net Operating Profit after Tax (NOPAT)		 1.17 1.21 0.77 0.80 1.15 1.92 1.17 2.05 1.70 2.24 1.58
NOPAT Margin		 12.64% 14.02% 9.00% 9.23% 12.67% 20.47% 12.73% 19.78% 17.26% 23.56% 15.83%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 63.81% 64.54% 70.17% 69.28% 65.33% 59.28% 68.98% 57.74% 60.73% 54.50% 61.99%
Operating Expenses to Revenue		 83.36% 84.65% 89.48% 89.86% 84.31% 75.23% 86.31% 73.88% 78.16% 71.77% 79.08%
Earnings before Interest and Taxes (EBIT)		 1.46 1.35 0.93 0.98 1.42 2.31 1.46 2.54 2.09 2.58 1.96
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.89 1.79 1.37 1.41 1.82 2.71 1.87 2.94 2.48 2.98 2.28
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.93 0.97 1.01 1.06 1.32 1.30 1.21 1.11 1.10 1.01 1.01
Price to Tangible Book Value (P/TBV)		 0.93 0.97 1.01 1.06 1.32 1.30 1.21 1.11 1.10 1.01 1.01
Price to Revenue (P/Rev)		 2.27 2.52 2.75 3.08 3.85 3.77 3.47 3.09 3.04 2.85 2.81
Price to Earnings (P/E)		 10.15 13.18 16.89 27.34 34.24 28.99 25.00 18.68 17.22 15.49 14.75
Dividend Yield		 1.99% 1.94% 1.91% 1.80% 1.45% 1.45% 1.55% 1.66% 1.66% 0.88% 1.79%
Earnings Yield		 9.85% 7.59% 5.92% 3.66% 2.92% 3.45% 4.00% 5.35% 5.81% 6.46% 6.78%
Enterprise Value to Invested Capital (EV/IC)		 0.28 0.66 0.10 0.16 0.24 0.91 0.22 0.36 0.37 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.04 2.58 0.43 0.70 1.07 3.58 0.86 1.36 1.38 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 3.29 9.32 1.76 3.79 5.84 17.46 3.99 5.55 5.34 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.84 11.12 2.18 5.17 7.97 22.60 5.05 6.70 6.35 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 4.67 13.45 2.61 6.20 9.51 27.50 6.19 8.23 7.80 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.56 14.53 1.87 5.33 7.62 43.53 24.64 10.82 10.04 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.13 13.44 0.00 1.09 19.81 7.69 1.88 3.12 3.22 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.52 0.51 0.51 0.51 0.51 0.35 0.35 0.35 0.34 0.16 0.16
Long-Term Debt to Equity		 0.52 0.51 0.51 0.51 0.51 0.35 0.35 0.35 0.34 0.16 0.16
Financial Leverage		 0.55 0.54 0.49 0.61 0.51 0.43 0.43 0.43 0.42 0.26 0.25
Leverage Ratio		 10.31 9.94 10.48 10.36 10.53 9.73 10.49 10.29 10.31 9.79 10.15
Compound Leverage Factor		 10.31 9.94 10.48 10.36 10.53 9.73 10.49 10.29 10.31 9.79 10.15
Debt to Total Capital		 34.03% 33.94% 33.87% 33.80% 33.61% 26.18% 26.04% 25.76% 25.51% 13.99% 13.89%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 34.03% 33.94% 33.87% 33.80% 33.61% 26.18% 26.04% 25.76% 25.51% 13.99% 13.89%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 65.97% 66.06% 66.13% 66.20% 66.39% 73.82% 73.96% 74.24% 74.49% 86.01% 86.11%
Debt to EBITDA		 3.98 4.82 5.78 8.01 8.10 5.03 4.71 3.94 3.68 1.73 1.67
Net Debt to EBITDA		 -3.87 0.19 -9.63 -12.90 -15.20 -0.94 -12.13 -7.04 -6.44 -11.76 -11.26
Long-Term Debt to EBITDA		 3.98 4.82 5.78 8.01 8.10 5.03 4.71 3.94 3.68 1.73 1.67
Debt to NOPAT		 5.65 6.95 8.56 13.12 13.17 7.92 7.30 5.84 5.38 2.49 2.35
Net Debt to NOPAT		 -5.48 0.27 -14.28 -21.14 -24.73 -1.48 -18.81 -10.45 -9.42 -16.86 -15.88
Long-Term Debt to NOPAT		 5.65 6.95 8.56 13.12 13.17 7.92 7.30 5.84 5.38 2.49 2.35
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.35 1.22 -6.66 19 -0.89 14 13 12 11 15 15
Operating Cash Flow to CapEx		 4,703.17% 968.95% 216.82% 0.00% 7,987.80% 588.46% 4,873.68% -2,058.33% 9,994.74% 2,864.29% 4,703.13%
Free Cash Flow to Firm to Interest Expense		 0.08 0.21 -1.06 2.93 -0.13 2.13 2.25 2.18 2.00 2.75 2.69
Operating Cash Flow to Interest Expense		 0.66 0.37 0.56 -0.61 0.47 0.02 0.33 -0.09 0.66 0.36 0.28
Operating Cash Flow Less CapEx to Interest Expense		 0.64 0.33 0.30 -0.36 0.46 0.02 0.32 -0.09 0.66 0.34 0.27
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.03 0.03 0.04 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.64 7.23 6.15 6.85 6.97 7.18 6.43 8.09 8.40 8.70 9.06
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 152 152 153 153 154 140 141 143 144 127 128
Invested Capital Turnover		 0.27 0.26 0.25 0.22 0.23 0.24 0.25 0.26 0.26 0.29 0.29
Increase / (Decrease) in Invested Capital		 0.82 -0.01 7.43 -19 2.04 -12 -12 -10 -9.75 -13 -13
Enterprise Value (EV)		 43 100 16 24 37 128 31 52 53 -9.78 -8.57
Market Capitalization		 93 98 102 108 135 134 126 118 118 111 112
Book Value per Share		 $38.99 $39.18 $39.47 $39.63 $39.87 $40.43 $40.70 $41.31 $41.87 $42.63 $43.03
Tangible Book Value per Share		 $38.99 $39.18 $39.47 $39.63 $39.87 $40.43 $40.70 $41.31 $41.87 $42.63 $43.03
Total Capital		 152 152 153 153 154 140 141 143 144 127 128
Total Debt		 52 52 52 52 52 37 37 37 37 18 18
Total Long-Term Debt		 52 52 52 52 52 37 37 37 37 18 18
Net Debt		 -50 2.03 -86 -83 -97 -6.88 -95 -66 -64 -121 -120
Capital Expenditures (CapEx)		 0.06 0.22 1.62 -1.61 0.04 0.03 0.04 0.02 0.04 0.07 0.03
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 52 52 52 52 52 37 37 37 37 18 18
Total Depreciation and Amortization (D&A)		 0.43 0.44 0.44 0.42 0.40 0.40 0.41 0.40 0.39 0.39 0.32
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.45 $0.47 $0.30 $0.31 $0.45 $0.75 $0.45 $0.80 $0.66 $0.88 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 2.55M 2.56M 2.54M 2.54M 2.54M 2.54M 2.55M 2.56M 2.56M 2.56M 2.56M
Adjusted Diluted Earnings per Share		 $0.45 $0.47 $0.30 $0.31 $0.45 $0.74 $0.45 $0.79 $0.66 $0.87 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 2.57M 2.58M 2.56M 2.56M 2.57M 2.57M 2.58M 2.58M 2.58M 2.58M 2.57M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 2.57M 2.56M 2.56M 2.56M 2.56M 2.57M 2.57M 2.57M 2.57M 2.57M 2.57M
Normalized Net Operating Profit after Tax (NOPAT)		 1.17 1.21 0.77 0.80 1.15 1.92 1.17 2.05 1.70 2.24 1.58
Normalized NOPAT Margin		 12.64% 14.02% 9.00% 9.23% 12.67% 20.47% 12.73% 19.78% 17.26% 23.56% 15.83%
Pre Tax Income Margin		 15.83% 15.66% 10.90% 11.41% 15.60% 24.62% 15.90% 24.48% 21.28% 27.13% 19.68%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.32 0.23 0.15 0.15 0.20 0.35 0.26 0.45 0.37 0.46 0.36
NOPAT to Interest Expense		 0.26 0.21 0.12 0.12 0.17 0.29 0.21 0.36 0.30 0.40 0.29
EBIT Less CapEx to Interest Expense		 0.31 0.20 -0.11 0.39 0.20 0.35 0.25 0.44 0.36 0.45 0.36
NOPAT Less CapEx to Interest Expense		 0.24 0.17 -0.14 0.37 0.16 0.29 0.20 0.36 0.29 0.39 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 20.38% 25.72% 32.40% 49.42% 49.55% 41.98% 38.69% 30.98% 28.54% 27.20% 26.44%
Augmented Payout Ratio		 35.67% 54.44% 67.70% 75.56% 69.99% 43.38% 38.69% 31.00% 28.54% 27.20% 26.44%

Financials Breakdown Chart

Sound Financial Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Sound Financial Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Sound Financial Bancorp's net income appears to be on an upward trend, with a most recent value of $7.16 million in 2025, rising from $4.79 million in 2015. The previous period was $4.64 million in 2024. Find out what analysts predict for Sound Financial Bancorp in the coming months.

Over the last 10 years, Sound Financial Bancorp's total revenue changed from $24.96 million in 2015 to $38.89 million in 2025, a change of 55.8%.

Sound Financial Bancorp's total liabilities were at $982.77 million at the end of 2025, a 10.4% increase from 2024, and a 102.1% increase since 2015.

In the past 10 years, Sound Financial Bancorp's cash and equivalents has ranged from $43.64 million in 2024 to $193.83 million in 2020, and is currently $138.45 million as of their latest financial filing in 2025.

Over the last 10 years, Sound Financial Bancorp's book value per share changed from 22.11 in 2015 to 42.63 in 2025, a change of 92.8%.


Related Companies

Financial statements for NASDAQ:SFBC last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
Buy this stock today
Marc Chaikin, founder of Chaikin Analytics, is sharing a strategy he calls 'Sell This, Buy That' - a way to mo...
Chaikin Analytics | Sponsoredtc pixel
From the man who predicted 2008 crash…
Porter Stansberry, founder of one of the largest financial research firms in the world, says he's breaking the...
Porter & Company | Sponsoredtc pixel
Ray Dalio: Buy Gold. Get Paid.
Ray Dalio, founder of Bridgewater Associates, is urging investors to hold 15% of their portfolio in gold and c...
Investors Alley | Sponsoredtc pixel
This remarkable new power source will ignite America's next energy revolution
A 328-year supply of a clean, abundant energy resource was just confirmed beneath New England - the largest de...
Banyan Hill Publishing | Sponsoredtc pixel
Elon’s New Currency (BUY NOW)
Elon Musk is reportedly launching a currency system that analysts say could target a $480 trillion market disr...
InvestorPlace | Sponsoredtc pixel
Your book attached
Bill Poulos is giving away his 'Simple Options Trading For Beginners' book at no cost - normally $29.97. It ou...
Profits Run | Sponsoredtc pixel
Three companies about to leapfrog Nvidia [And transform the entire industry]
Tech forecaster George Gilder - who identified Amazon when it was still just an online bookstore and predicted...
Eagle Publishing | Sponsoredtc pixel
ALT SL: New Patent Reveals Elon Musk’s Next Breakthrough: M.A.G.I.
Jeff Brown and Marc Chaikin - two investors who spotted Nvidia a decade ago - are now pointing to Elon Musk's ...
Brownstone Research | Sponsoredtc pixel