Sound Financial Bancorp, Inc. (SFBC) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Sound Financial Bancorp reported revenue of $38.9M, up 9.1% from $35.7M the year before. Net income was $7.2M (a 18.4% net margin), or $2.77 per diluted share. Net interest income was $34.9M, and the efficiency ratio (noninterest expense / revenue) was 77.4%. Operating activities generated $7.2M of cash, leaving $7.0M of free cash flow. At fiscal year end, Sound Financial Bancorp held $1.09B in total assets against $982.8M in total liabilities, including $138.5M of cash and equivalents.
Open the full interactive Sound Financial Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Sound Financial Bancorp Key Stats
| Share Price | $42.81 |
|---|---|
| Market Cap | $110.2M |
| P/E Ratio | 15.5 |
| Revenue YoY Growth | +9.1% |
| 52-Week Range | $40.67 – $48.90 |
| Shares Outstanding | 2.6 million (basic, 2026 Q2) |
Sound Financial Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $27.5M | $29.9M | $35.3M | $33.9M | $31.0M | $34.9M |
| Provision for Credit Losses | $925,000 | $425,000 | $1.2M | -$273,000 | -$120,000 | $127,000 |
| Noninterest Income | $7.4M | $7.3M | $4.6M | $5.0M | $4.7M | $4.0M |
| Noninterest Expense | $22.7M | $25.4M | $27.8M | $30.1M | $30.1M | $30.1M |
| Revenue | $34.9M | $37.2M | $39.9M | $38.9M | $35.7M | $38.9M |
| Pre-Tax Income | $11.3M | $11.4M | $10.9M | $9.0M | $5.6M | $8.7M |
| Income Tax | $2.4M | $2.3M | $2.1M | $1.6M | $1.0M | $1.5M |
| Net Income | $8.9M | $9.2M | $8.8M | $7.4M | $4.6M | $7.2M |
| Diluted EPS | $3.42 | $3.46 | $3.35 | $2.86 | $1.80 | $2.77 |
Sound Financial Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $9.8M | $9.5M | $10.0M | $11.0M |
| Net Income | $1.7M | $2.2M | $1.6M | $2.5M |
| Diluted EPS | $0.66 | $0.87 | $0.61 | $0.98 |
Sound Financial Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $193.8M | $183.6M | $57.8M | $49.7M | $43.6M | $138.5M |
| Loans (Net) | — | — | $858.4M | $885.7M | $891.7M | $896.9M |
| Total Assets | $861.4M | $919.7M | $976.4M | $995.2M | $993.6M | $1.09B |
| Deposits | $748.0M | $798.3M | $808.8M | $826.5M | $837.8M | $948.9M |
| Total Long-Term Debt | $11.6M | $11.6M | $54.7M | $51.7M | $36.8M | $17.8M |
| Total Liabilities | $775.9M | $826.3M | $878.6M | $894.6M | $890.0M | $982.8M |
| Shareholders' Equity | $85.5M | $93.4M | $97.7M | $100.7M | $103.7M | $109.4M |
Sound Financial Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$484,000 | $19.1M | $10.1M | $6.9M | $2.9M | $7.2M |
| Cash From Investing | $4.5M | -$77.9M | -$185.6M | -$26.3M | -$3.9M | -$2.5M |
| Cash From Financing | $134.0M | $48.6M | $49.8M | $11.3M | -$5.0M | $90.2M |
| Free Cash Flow | -$891,000 | $18.8M | $9.7M | $6.4M | $2.9M | $7.0M |
Figures from Sound Financial Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Sound Financial Bancorp financials page for every line item.
Sound Financial Bancorp Company Profile
| Ticker | SFBC |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Seattle, Washington |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001541119 |
Frequently Asked Questions
What was Sound Financial Bancorp's revenue in fiscal 2025?
Sound Financial Bancorp (SFBC) reported revenue of $38.9M for fiscal 2025.
What is Sound Financial Bancorp's annual revenue history?
Sound Financial Bancorp's annual revenue by fiscal year: 2020: $34.9M; 2021: $37.2M; 2022: $39.9M; 2023: $38.9M; 2024: $35.7M; 2025: $38.9M.
What was Sound Financial Bancorp's net income in fiscal 2025?
Sound Financial Bancorp reported net income of $7.2M for fiscal 2025.
What was Sound Financial Bancorp's earnings per share (EPS) in fiscal 2025?
Sound Financial Bancorp's diluted EPS was $2.77 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Sound Financial Bancorp generate in fiscal 2025?
Sound Financial Bancorp generated $7.0M of free cash flow in fiscal 2025.
What was Sound Financial Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Sound Financial Bancorp reported revenue of $11.0M.
How much debt does Sound Financial Bancorp have?
Sound Financial Bancorp reported $17.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Sound Financial Bancorp are outstanding?
Sound Financial Bancorp reported a weighted average of 2.6 million basic shares outstanding in 2026 Q2.
What is Sound Financial Bancorp's market cap?
Based on its latest closing price, Sound Financial Bancorp (SFBC) has a market capitalization of about $110.2M.
When does Sound Financial Bancorp's fiscal year end?
Sound Financial Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Sound Financial Bancorp headquartered?
Sound Financial Bancorp lists its business address in Seattle, Washington in its SEC filings.
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