What is Sound Finl Bancorp Inc's earnings per share (EPS)?

Sound Finl Bancorp Inc (SFBC) reported diluted earnings per share of $2.77 for fiscal year 2025. This represents a 53.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Sound Finl Bancorp Inc Financials

SFBC

Trailing 12 months to June 30, 2026

Revenue $58.2M +0.1% YoY

Net Income $8.0M +27.6% YoY

EPS (Diluted) $3.12 +27.9% YoY

Free Cash Flow $7.3M +57.5% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Sound Finl Bancorp Inc (SFBC) reported $58.2M in revenue over the twelve months to Jun 30, 2026, up 0.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SFBC FY2025 2026-08-29

Earnings recovery is being driven by lower funding-cost pressure, while balance-sheet expansion keeps the bank structurally highly leveraged.

Revenue held near $57.6M in FY2025, while net income recovered to $7.2M. The rebound coincided with interest expense falling from $26.4M to $22.6M, making funding-cost movements a more visible earnings driver than top-line growth.

In FY2025, operating cash flow nearly matched net income at $7.2M, an improvement in cash conversion. In FY2024, operating cash flow was $2.9M against $4.6M of net income, so reported earnings were less fully reflected in cash.

Assets expanded to $1.1B while liabilities reached $982.8M in FY2025, indicating that growth was funded predominantly through obligations rather than equity. Debt-to-equity was 9.0x versus 8.6x in FY2024, confirming leverage remained the defining balance-sheet feature.

Financial Health Signals

Financial Health Score 25/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Sound Finl Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Sound Finl Bancorp Inc, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/6

Sound Finl Bancorp Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.00x

For every $1 of reported earnings, Sound Finl Bancorp Inc generates $1.00 in operating cash flow ($7.2M OCF vs $7.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$57.6M

YoY+0.3%

5Y CAGR+10.5%

10Y CAGR+9.9%

Sound Finl Bancorp Inc generated $57.6M in revenue in fiscal year 2025. This represents an increase of 0.3% from the prior year.

Net Income

$7.2M

YoY+54.3%

5Y CAGR-4.3%

10Y CAGR+4.1%

Sound Finl Bancorp Inc reported $7.2M in net income in fiscal year 2025. This represents an increase of 54.3% from the prior year.

EPS (Diluted)

$2.77

YoY+53.9%

5Y CAGR-4.1%

10Y CAGR+4.1%

Sound Finl Bancorp Inc earned $2.77 per diluted share (EPS) in fiscal year 2025. This represents an increase of 53.9% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$7.0M

YoY+144.8%

10Y CAGR+10.2%

Sound Finl Bancorp Inc generated $7.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 144.8% from the prior year.

Cash & Debt

$138.5M

YoY+217.3%

5Y CAGR-6.5%

10Y CAGR+11.1%

Sound Finl Bancorp Inc held $138.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.76

YoY0.0%

5Y CAGR-1.0%

10Y CAGR+14.3%

Sound Finl Bancorp Inc paid $0.76 per share in dividends in fiscal year 2025. That is unchanged from the prior year.

Shares Outstanding

YoY0.0%

5Y CAGR-0.3%

10Y CAGR+0.3%

Sound Finl Bancorp Inc had 3M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

Net Margin

12.4%

YoY+4.3pp

5Y CAGR-13.1pp

10Y CAGR-8.9pp

Sound Finl Bancorp Inc's net profit margin was 12.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.3 percentage points from the prior year.

Return on Equity

6.5%

YoY+2.1pp

5Y CAGR-3.9pp

10Y CAGR-2.3pp

Sound Finl Bancorp Inc's ROE was 6.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

YoY-100.0%

Sound Finl Bancorp Inc repurchased no shares in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$170K

YoY+123.7%

5Y CAGR-16.0%

10Y CAGR-17.1%

Sound Finl Bancorp Inc invested $170K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 123.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

SFBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SFBC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$58.2M	$57.6M+0.3%	$57.4M+13.4%	$50.6M+27.2%	$39.8M+17.5%	$33.9M-3.0%	$34.9M+1.0%	$34.6M+4.3%	$33.2M+20.8%	$27.4M+9.6%	$25.1M+11.6%	$22.5M+5.1%	$21.4M+8.8%	$19.6M+8.0%	$18.2M-1.9%	$18.5M
SG&A Expenses	$6.3M	$6.0M+1.3%	$5.9M-3.3%	$6.1M+3.6%	$5.9M+2.0%	$5.8M+5.6%	$5.5M-7.5%	$5.9M+7.9%	$5.5M+25.9%	$4.3M-0.3%	$4.4M+9.2%	$4.0M-1.2%	$4.0M+2.4%	$4.0M+41.7%	$2.8M+10.2%	$2.5M
Interest Expense	$22.0M	$22.6M-14.2%	$26.4M+57.4%	$16.8M+272.4%	$4.5M+13.8%	$4.0M-46.9%	$7.5M-2.2%	$7.6M+42.1%	$5.4M+59.1%	$3.4M+15.4%	$2.9M+6.1%	$2.8M+13.6%	$2.4M+4.8%	$2.3M-2.0%	$2.4M-15.1%	$2.8M
Income Tax	$1.7M	$1.5M+50.5%	$1.0M-35.6%	$1.6M-24.7%	$2.1M-8.8%	$2.3M-5.0%	$2.4M+44.8%	$1.7M-3.2%	$1.7M-44.4%	$3.1M+13.8%	$2.7M+17.7%	$2.3M-2.1%	$2.3M+28.8%	$1.8M+47.4%	$1.2M+90.0%	$648K
Net Income	$8.0M	$7.2M+54.3%	$4.6M-37.6%	$7.4M-15.5%	$8.8M-3.8%	$9.2M+2.5%	$8.9M+33.8%	$6.7M-5.1%	$7.0M+37.3%	$5.1M-4.7%	$5.4M+12.3%	$4.8M+13.0%	$4.2M+7.6%	$3.9M+49.2%	$2.6M+70.2%	$1.6M
EPS (Diluted)	$3.12	$2.77+53.9%	$1.80-37.1%	$2.86-14.6%	$3.35-3.2%	$3.46+1.2%	$3.42+33.1%	$2.57-6.2%	$2.74+37.0%	$2.00-4.3%	$2.09+12.4%	$1.86+14.1%	$1.63+9.4%	$1.49+49.0%	$1.00+69.5%	$0.59

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$14.8M+2.6%	$14.5M+1.3%	$14.3M-2.5%	$14.7M-1.8%	$14.9M+8.8%	$13.7M-7.0%	$14.7M-0.7%	$14.8M
SG&A Expenses	$1.6M+7.7%	$1.5M-10.8%	$1.7M+13.4%	$1.5M+2.8%	$1.4M+5.7%	$1.4M+2.8%	$1.3M-13.8%	$1.5M
Interest Expense	$5.3M-3.0%	$5.4M-3.6%	$5.6M-1.6%	$5.7M+0.9%	$5.7M+0.4%	$5.6M-13.5%	$6.5M-6.4%	$7.0M
Income Tax	$597K+55.5%	$384K+12.9%	$340K-13.9%	$395K-19.1%	$488K+67.7%	$291K-25.2%	$389K+45.7%	$267K
Net Income	$2.5M+59.8%	$1.6M-29.8%	$2.2M+32.4%	$1.7M-17.4%	$2.1M+75.8%	$1.2M-39.3%	$1.9M+66.5%	$1.2M
EPS (Diluted)	$0.98+60.7%	$0.61-29.9%	$0.87+31.8%	$0.66-16.5%	$0.79+75.6%	$0.45-40.0%	$0.75+66.7%	$0.45

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

SFBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SFBC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$1.1B+9.9%	$993.6M-0.2%	$995.2M+1.9%	$976.4M+6.2%	$919.7M+6.8%	$861.4M+19.7%	$719.9M+0.4%	$716.7M+11.1%	$645.2M+9.7%	$588.4M+8.8%	$540.8M+9.2%	$495.2M+11.9%	$442.6M+16.2%	$381.0M+12.2%	$339.7M
Cash & Equivalents	$138.5M+217.3%	$43.6M-12.2%	$49.7M-14.1%	$57.8M-68.5%	$183.6M-5.3%	$193.8M+247.5%	$55.8M-9.8%	$61.8M+1.9%	$60.7M+11.2%	$54.6M+13.1%	$48.3M+64.8%	$29.3M+91.0%	$15.3M+20.5%	$12.7M-25.3%	$17.0M
Goodwill	$777K0.0%	$777K0.0%	$777K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$982.8M+10.4%	$890.0M-0.5%	$894.6M+1.8%	$878.6M+6.3%	$826.3M+6.5%	$775.9M+20.8%	$642.1M-0.5%	$645.1M+11.2%	$580.1M+9.8%	$528.1M+8.6%	$486.2M+9.4%	$444.5M+12.2%	$396.1M+17.3%	$337.6M+8.5%	$311.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$40.4M	N/A	N/A	N/A	N/A
Total Equity	$109.4M+5.5%	$103.7M+3.0%	$100.7M+3.0%	$97.7M+4.7%	$93.4M+9.2%	$85.5M+10.0%	$77.7M+8.5%	$71.6M+9.9%	$65.2M+8.1%	$60.3M+10.6%	$54.5M+7.7%	$50.6M+8.9%	$46.5M+7.0%	$43.5M+51.3%	$28.7M
Retained Earnings	$81.5M+6.8%	$76.3M+3.6%	$73.6M+4.0%	$70.8M+8.5%	$65.2M+12.0%	$58.2M+13.3%	$51.4M+11.4%	$46.2M+14.0%	$40.5M+9.8%	$36.9M+14.4%	$32.2M+15.0%	$28.0M+15.4%	$24.3M+17.1%	$20.7M+14.6%	$18.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.1B-4.2%	$1.1B+1.8%	$1.1B+3.0%	$1.1B+0.2%	$1.1B-1.0%	$1.1B+7.6%	$993.6M-9.7%	$1.1B
Cash & Equivalents	$120.1M-13.0%	$138.0M-0.3%	$138.5M+36.9%	$101.2M-1.4%	$102.5M-22.0%	$131.5M+201.3%	$43.6M-70.7%	$148.9M
Goodwill	N/A	N/A	$777K	N/A	N/A	N/A	$777K	N/A
Total Liabilities	$953.2M-4.8%	$1.0B+1.9%	$982.8M+3.2%	$952.7M0.0%	$952.2M-1.3%	$964.8M+8.4%	$890.0M-10.9%	$998.7M
Total Equity	$112.6M+2.0%	$110.4M+0.9%	$109.4M+1.8%	$107.5M+1.4%	$106.0M+1.5%	$104.4M+0.7%	$103.7M+1.4%	$102.2M
Retained Earnings	$84.5M+2.4%	$82.5M+1.3%	$81.5M+2.2%	$79.7M+1.5%	$78.5M+2.0%	$77.0M+0.9%	$76.3M+1.9%	$74.8M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

SFBC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

SFBC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$7.5M	$7.2M+144.2%	$2.9M-57.4%	$6.9M-31.5%	$10.1M-47.3%	$19.1M+4040.7%	-$484K-104.4%	$11.1M+7.1%	$10.3M+51.3%	$6.8M-4.5%	$7.1M+90.6%	$3.8M-44.9%	$6.8M-12.4%	$7.8M-23.9%	$10.2M+41.2%	$7.2M
Capital Expenditures	$198K	$170K+123.7%	$76K-82.9%	$444K+11.6%	$398K+76.9%	$225K-44.7%	$407K-37.8%	$654K+2.0%	$641K-74.1%	$2.5M+145.7%	$1.0M-9.4%	$1.1M-72.0%	$4.0M+1058.0%	$343K+29.4%	$265K+41.7%	$187K
Free Cash Flow	$7.3M	$7.0M+144.8%	$2.9M-55.7%	$6.4M-33.3%	$9.7M-48.8%	$18.8M+2215.4%	-$891K-108.6%	$10.4M+7.5%	$9.7M+122.6%	$4.3M-29.2%	$6.1M+132.7%	$2.6M-6.8%	$2.8M-61.9%	$7.4M-25.4%	$9.9M+41.1%	$7.0M
Investing Cash Flow	$9.6M	-$2.5M+36.7%	-$3.9M+85.0%	-$26.3M+85.7%	-$183.8M-135.3%	-$78.1M-1837.3%	$4.5M+177.7%	-$5.8M+91.9%	-$71.5M-98.0%	-$36.1M+15.8%	-$42.9M	N/A	N/A	-$61.5M-18.8%	-$51.8M-1023.8%	-$4.6M
Financing Cash Flow	$374K	$90.2M+1890.1%	-$5.0M-144.6%	$11.3M-76.5%	$48.0M-1.7%	$48.8M-63.6%	$134.0M+1284.5%	-$11.3M-118.2%	$62.3M+76.1%	$35.4M-15.9%	$42.1M	N/A	N/A	$56.4M+51.2%	$37.3M+601.2%	$5.3M
Dividends Paid	$1.0M	$1.9M-0.1%	$1.9M+1.8%	$1.9M-5.8%	$2.0M-0.4%	$2.0M-1.6%	$2.1M+44.5%	$1.4M+4.9%	$1.4M-9.2%	$1.5M+102.0%	$745K+29.8%	$574K+13.9%	$504K+29.9%	$388K	$0	N/A
Share Buybacks	N/A	$0-100.0%	$65K-97.0%	$2.1M+23.2%	$1.7M+1040.8%	$152K+108.2%	$73K	$0	N/A	N/A	$0-100.0%	$1.3M+39.5%	$904K-24.8%	$1.2M	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$224K-85.1%	$1.5M-24.9%	$2.0M-47.2%	$3.8M+868.8%	-$494K-126.7%	$1.9M+1110.5%	$153K-95.3%	$3.3M
Capital Expenditures	$58K+81.3%	$32K-54.3%	$70K+84.2%	$38K+58.3%	$24K-36.8%	$38K+46.2%	$26K-36.6%	$41K
Free Cash Flow	$166K-88.7%	$1.5M-23.9%	$1.9M-48.5%	$3.8M+825.9%	-$518K-128.6%	$1.8M+1328.3%	$127K-96.1%	$3.2M
Investing Cash Flow	$30.0M+242.5%	-$21.1M-535.2%	$4.8M+215.9%	-$4.2M+75.6%	-$17.1M-222.7%	$13.9M+694.5%	$1.8M+114.1%	-$12.4M
Financing Cash Flow	-$48.2M-352.3%	$19.1M-37.3%	$30.5M+3118.0%	-$1.0M+91.1%	-$11.4M-115.8%	$72.1M+167.2%	-$107.2M-567.3%	$22.9M
Dividends Paid	$1K-99.8%	$541K+11.5%	$485K+24150.0%	$2K0.0%	$2K-99.6%	$487K-0.4%	$489K+16200.0%	$3K
Share Buybacks	N/A	N/A	$0	$0	$0	$0	$0-100.0%	$1K

SFBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

SFBC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	12.4%+4.3pp	8.1%-6.6pp	14.7%-7.4pp	22.1%-4.9pp	27.0%+1.4pp	25.6%+6.3pp	19.3%-1.9pp	21.2%+2.5pp	18.7%-2.8pp	21.5%+0.1pp	21.3%+1.5pp	19.9%-0.2pp	20.1%+5.5pp	14.5%+6.2pp	8.4%
Return on Equity	6.5%+2.1pp	4.5%-2.9pp	7.4%-1.6pp	9.0%-0.8pp	9.8%-0.6pp	10.4%+1.9pp	8.6%-1.2pp	9.8%+2.0pp	7.9%-1.0pp	8.9%+0.1pp	8.8%+0.4pp	8.4%-0.1pp	8.5%+2.4pp	6.1%+0.7pp	5.4%
Return on Assets	0.7%+0.2pp	0.5%-0.3pp	0.8%-0.1pp	0.9%-0.1pp	1.0%0.0pp	1.0%+0.1pp	0.9%-0.1pp	1.0%+0.2pp	0.8%-0.1pp	0.9%0.0pp	0.9%0.0pp	0.9%0.0pp	0.9%+0.2pp	0.7%+0.2pp	0.5%
Debt-to-Equity	8.98+0.4x	8.58-0.3x	8.89-0.1x	8.99+0.1x	8.85-0.2x	9.08+0.8x	8.26-0.7x	9.01+0.1x	8.90+0.1x	8.76+8.0x	0.74-8.0x	8.78+0.3x	8.52+0.7x	7.77-3.1x	10.83
FCF Margin	12.2%+7.2pp	5.0%-7.8pp	12.7%-11.5pp	24.3%-31.4pp	55.6%+58.2pp	-2.5%-32.6pp	30.1%+0.9pp	29.2%+13.3pp	15.8%-8.7pp	24.5%+12.8pp	11.8%-1.5pp	13.3%-24.6pp	37.8%-16.9pp	54.7%+16.7pp	38.0%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	17.0%+6.1pp	10.9%-4.8pp	15.7%+4.1pp	11.6%-2.2pp	13.8%+5.3pp	8.5%-4.5pp	13.0%+5.3pp	7.8%
Return on Equity	2.2%+0.8pp	1.4%-0.6pp	2.1%+0.5pp	1.6%-0.4pp	1.9%+0.8pp	1.1%-0.7pp	1.8%+0.7pp	1.1%
Return on Assets	0.2%+0.1pp	0.1%-0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%-0.1pp	0.2%+0.1pp	0.1%
Debt-to-Equity	8.47-0.6x	9.07+0.1x	8.98+0.1x	8.87-0.1x	8.98-0.3x	9.24+0.7x	8.58-1.2x	9.77
FCF Margin	1.1%-9.1pp	10.2%-3.4pp	13.6%-12.1pp	25.7%+29.1pp	-3.5%-16.7pp	13.2%+12.4pp	0.9%-20.9pp	21.8%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Sound Finl Bancorp Inc Ranks

Frequently Asked Questions

What is Sound Finl Bancorp Inc's annual revenue?

Sound Finl Bancorp Inc (SFBC) reported $57.6M in total revenue for fiscal year 2025. This represents a 0.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Sound Finl Bancorp Inc's revenue growing?

Sound Finl Bancorp Inc (SFBC) revenue grew by 0.3% year-over-year, from $57.4M to $57.6M in fiscal year 2025.

Is Sound Finl Bancorp Inc profitable?

Yes, Sound Finl Bancorp Inc (SFBC) reported a net income of $7.2M in fiscal year 2025, with a net profit margin of 12.4%.

What is Sound Finl Bancorp Inc's net profit margin?

Sound Finl Bancorp Inc (SFBC) had a net profit margin of 12.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Sound Finl Bancorp Inc pay dividends?

Yes, Sound Finl Bancorp Inc (SFBC) paid $0.76 per share in dividends during fiscal year 2025.

What is Sound Finl Bancorp Inc's return on equity (ROE)?

Sound Finl Bancorp Inc (SFBC) has a return on equity of 6.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Sound Finl Bancorp Inc's free cash flow?

Sound Finl Bancorp Inc (SFBC) generated $7.0M in free cash flow during fiscal year 2025. This represents a 144.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Sound Finl Bancorp Inc's operating cash flow?

Sound Finl Bancorp Inc (SFBC) generated $7.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Sound Finl Bancorp Inc's total assets?

Sound Finl Bancorp Inc (SFBC) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Sound Finl Bancorp Inc's capital expenditures?

Sound Finl Bancorp Inc (SFBC) invested $170K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Sound Finl Bancorp Inc have outstanding?

Sound Finl Bancorp Inc (SFBC) had 3M shares outstanding as of fiscal year 2025.

What is Sound Finl Bancorp Inc's debt-to-equity ratio?

Sound Finl Bancorp Inc (SFBC) had a debt-to-equity ratio of 8.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Sound Finl Bancorp Inc's return on assets (ROA)?

Sound Finl Bancorp Inc (SFBC) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Sound Finl Bancorp Inc's Piotroski F-Score?

Sound Finl Bancorp Inc (SFBC) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Sound Finl Bancorp Inc's earnings high quality?

Sound Finl Bancorp Inc (SFBC) has an earnings quality ratio of 1.00x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Sound Finl Bancorp Inc?

Sound Finl Bancorp Inc (SFBC) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.