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Sound Financial Bancorp(NASDAQ) SFBC

Current Price$44.89
Market Cap$115.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2008)+554%
5 Year+10%
1 Year-1%
1 Month+4%
Sound Financial Bancorp last closing stock price
MetricPriceDate
Last closeUSD 45.142026-07-23
Sound Financial Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.57%USD 47.302026-07-16
1 month+4.39%USD 43.242026-06-23
3 month+7.38%USD 42.042026-04-24
Year to date+4.48%USD 43.212025-12-31
1 year-1.17%USD 45.672025-07-23
3 year+30.56%USD 34.572023-07-24
5 year+10.14%USD 40.982021-07-23
Since inception+553.55%USD 6.912008-01-09

Sound Financial Bancorp Financials at a Glance

Market Cap

$115.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$62.25M

Net Income (TTM)

$7.57M

EPS (TTM)

$2.93

P/E Ratio

15.42

Dividend

$0.80

Beta (Volatility)

0.12 (Low)

Price

$44.89

Volume

19

Open

$45.07

Previous Close

$44.89

Daily Range

$44.89 - $45.12

52-Week Range

$40.68 - $48.85

Estimated Earnings Date

Jul 28, 2026

SFBC News

No articles available.

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About Sound Financial Bancorp

Sound Financial Bancorp helps people and businesses manage money and get loans. Its savings accounts and home loans support daily needs and big purchases. The company serves local communities in Washington State with practical banking solutions.

Products and Services

  • Deposit Accounts: Savings, checking, and money market accounts for individuals and businesses (no revenue split disclosed).
  • Residential Loans: Mortgages for buying or improving homes (28.1% of loan portfolio).
  • Commercial Lending: Loans for real estate, construction, and business equipment (45.1% of loan portfolio).
  • Consumer Loans: Financing for vehicles, boats, and manufactured homes (16.1% of loan portfolio).
  • Insurance and Digital Banking: Insurance products and online/mobile banking for convenience (no revenue split disclosed).

Growth and Expansion

  • Opened a loan production office in Madison Park, Seattle, in recent years to reach new clients.
  • Closed the Tacoma branch in April 2026 as part of ongoing strategic consolidation efforts.
  • Expanded commercial and multifamily lending by $38.2 million (+10.3%) in 2025.
  • Invested in digital banking and technology upgrades to improve customer experience.
  • Redeemed $4 million in subordinated notes in 2025 to lower debt costs.

What Makes Sound Financial Stand Out

The company focuses on local markets in Seattle and the Olympic Peninsula, building strong community ties. Its loan portfolio is diversified, including unique products like floating home loans. Sound Financial keeps most mortgage servicing in-house, supporting stable customer relationships and steady noninterest income.

Five Things You Need to Know

  • Interest income was $57.6 million in 2025, up 0.3% from 2024.
  • Net income reached $7.2 million in 2025, up 54.3% year-over-year.
  • Total assets grew to $1.1 billion in 2025, a 9.9% increase from 2024.
  • Deposits rose to $948.9 million in 2025, up 13.3% from 2024.
  • Noninterest income fell 14.8% in 2025 due to lower mortgage servicing revenue.

Bottom Line

Sound Financial has evolved by focusing on local markets and digital banking. Its diversified loan mix and steady growth reflect adaptability in a changing financial landscape.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

122

CEO

Laura Lee Stewart

Website

www.soundcb.com

Headquarters

Seattle, WA 98121, US

SFBC Financials

Key Financial Metrics (TTM)

Gross Margin

63.27%

Operating Margin

14.74%

Net Income Margin

12.16%

Return on Equity

6.99%

Return on Capital

6.63%

Return on Assets

0.68%

Earnings Yield

6.49%

Dividend Yield

1.77%

Payout Ratio

26.44%

Stock Overview

Market Cap

$115.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.57M

Volume

19

Avg. Volume

10.89K

Financials (TTM)

Gross Profit

$39.38M

Operating Income

$9.18M

EBITDA

$11.56M

Operating Cash Flow

$6.81M

Capital Expenditure

-$94.00K

Free Cash Flow

$6.72M

Cash & ST Invst.

$140.27M

Total Debt

$21.18M

Sound Financial Bancorp Performance Analysis

Sound Financial Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 44,377,0007.7%
20232023-12-31USD 55,602,00025.3%
20242024-12-31USD 62,060,00011.6%
20252025-12-31USD 61,621,000-0.7%
Sound Financial Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-308.3%
Q32025-09-30-3.1%
Q42025-12-31-1.6%
Q12026-03-311.0%
Sound Financial Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.37-3.4%
20232023-12-31USD 2.86-15.0%
20242024-12-31USD 1.80-37.3%
20252025-12-31USD 2.7754.1%
Sound Financial Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3075.6%
Q32025-09-30-16.5%
Q42025-12-3131.8%
Q12026-03-31-29.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$15.43M

+4.2%

Gross Profit

$9.88M

+5.5%

Gross Margin

64.08%

N/A

Market Cap

$115.83MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$949.45K

N/A

Employees

122

N/A

Net Income

$1.58M

+35.0%

EBITDA

$2.26M

+22.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$140.27M

+0.8%

Total Debt

$21.18M

-47.8%

Accounts Receivable

$3.89M

+9.8%

Inventory

$0.00

N/A

Long Term Debt

$21.18M

-17.3%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.68%

N/A

Return on Invested Capital

6.41%

N/A

Free Cash Flow

$1.47M

-18.8%

Operating Cash Flow

$1.51M

-18.7%

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Questions About SFBC

What is the current price of Sound Financial Bancorp?

Sound Financial Bancorp is trading at $44.89 per share.

What is the 52-week range for Sound Financial Bancorp?

Over the past 52 weeks, Sound Financial Bancorp has traded between $40.68 and $48.85.

How much debt does Sound Financial Bancorp have?

As of the most recent reporting period, Sound Financial Bancorp reported total debt of $21.18M.

How much cash does Sound Financial Bancorp have on hand?

Sound Financial Bancorp does not have cash on hand data available.

What is Sound Financial Bancorp’s dividend yield?

Sound Financial Bancorp currently has a dividend yield of 1.77%.

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