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

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Sound Finl Bancorp Inc (SFBC) financial statements, including the 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 2026-05-12

FY2025 profit recovery came from a lighter interest burden and rebuilt liquidity, not from meaningful revenue growth.

With revenue essentially flat from FY2024 to FY2025, net income rose from $4.6M to $7.2M while interest expense fell from $26.4M to $22.6M; that pattern points to spread repair rather than asset growth as the main driver of the earnings rebound. At the same time, cash jumped to $138.5M from $43.6M because financing inflows were $90.2M, so the stronger liquidity position was externally funded, not created by profit alone.

Even after the rebound, return on assets was only 0.7% and return on equity 6.5%, both still below FY2023, while leverage stayed near 9.0x debt-to-equity. That means relatively small shifts in funding cost or asset yield can move shareholder returns materially without much change in reported revenue.

Cash generation looked cleaner in FY2025 because operating cash flow of $7.2M almost matched net income and capex was just $170K, leaving free cash flow at $7.0M. The business is not physically capital-intensive; the main operating pressure visible here is funding economics, not heavy reinvestment.

Financial Health Signals

Financial Profile 20/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Sound Finl Bancorp Inc's revenue grew a modest 0.3% year-over-year to $57.6M. This slow but positive growth earns a score of 44/100.

Leverage

Sound Finl Bancorp Inc has elevated debt relative to equity (D/E of 8.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Sound Finl Bancorp Inc has a free cash flow margin of 12.2%, earning a moderate score of 50/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Sound Finl Bancorp Inc generates a 6.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is up from 4.5% the prior year.

Piotroski F-Score Neutral

4/9

Sound Finl Bancorp Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 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.

EBITDA

N/A

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.

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 against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.76

YoY+0.0%

5Y CAGR-1.0%

10Y CAGR+14.3%

Sound Finl Bancorp Inc paid $0.76 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.1%

5Y CAGR-0.2%

10Y CAGR+0.4%

Sound Finl Bancorp Inc had 3M shares outstanding in fiscal year 2025. This represents an increase of 0.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Sound Finl Bancorp Inc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. 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.

SFBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$57.6M+0.3%	$57.4M+13.4%	$50.6M+27.2%	$39.8M+17.5%	$33.9M-3.0%	$34.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$6.0M+1.3%	$5.9M-3.3%	$6.1M+3.6%	$5.9M+2.0%	$5.8M+5.6%	$5.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.6M-14.2%	$26.4M+57.4%	$16.8M+272.4%	$4.5M+13.8%	$4.0M-46.9%	$7.5M
Income Tax	$1.5M+50.5%	$1.0M-35.6%	$1.6M-24.7%	$2.1M-8.8%	$2.3M-5.0%	$2.4M
Net Income	$7.2M+54.3%	$4.6M-37.6%	$7.4M-15.5%	$8.8M-3.8%	$9.2M+2.5%	$8.9M
EPS (Diluted)	$2.77+53.9%	$1.80-37.1%	$2.86-14.6%	$3.35-3.2%	$3.46+1.2%	$3.42

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+5.7%	$14.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$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-1.8%	$1.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+5.7%	$6.6M
Income Tax	$384K+12.9%	$340K-13.9%	$395K-19.1%	$488K+67.7%	$291K-25.2%	$389K+45.7%	$267K+42.8%	$187K
Net Income	$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+45.2%	$795K
EPS (Diluted)	$0.61	N/A	$0.66-16.5%	$0.79+75.6%	$0.45	N/A	$0.45+45.2%	$0.31

SFBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.1B+9.9%	$993.6M-0.2%	$995.2M+1.9%	$976.4M+6.2%	$919.7M+6.8%	$861.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$138.5M+217.3%	$43.6M-12.2%	$49.7M-14.1%	$57.8M-68.5%	$183.6M-5.3%	$193.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$777K0.0%	$777K0.0%	$777K	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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	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
Retained Earnings	$81.5M+6.8%	$76.3M+3.6%	$73.6M+4.0%	$70.8M+8.5%	$65.2M+12.0%	$58.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+2.4%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+10.2%	$135.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$777K	N/A	N/A	N/A	$777K	N/A	N/A
Total Liabilities	$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+2.6%	$973.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$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+0.9%	$101.3M
Retained Earnings	$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+0.9%	$74.2M

SFBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$7.2M+144.2%	$2.9M-57.4%	$6.9M-31.5%	$10.1M-47.3%	$19.1M+4040.7%	-$484K
Capital Expenditures	$170K+123.7%	$76K-82.9%	$444K+11.6%	$398K+76.9%	$225K-44.7%	$407K
Free Cash Flow	$7.0M+144.8%	$2.9M-55.7%	$6.4M-33.3%	$9.7M-48.8%	$18.8M+2215.4%	-$891K
Investing Cash Flow	-$2.5M+36.7%	-$3.9M+85.0%	-$26.3M+85.7%	-$183.8M-135.3%	-$78.1M-1837.3%	$4.5M
Financing Cash Flow	$90.2M+1890.1%	-$5.0M-144.6%	$11.3M-76.5%	$48.0M-1.7%	$48.8M-63.6%	$134.0M
Dividends Paid	$1.9M-0.1%	$1.9M+1.8%	$1.9M-5.8%	$2.0M-0.4%	$2.0M-1.6%	$2.1M
Share Buybacks	$0-100.0%	$65K-97.0%	$2.1M+23.2%	$1.7M+1040.8%	$152K+108.2%	$73K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.5M-24.9%	$2.0M-47.2%	$3.8M+868.8%	-$494K-126.7%	$1.9M+1110.5%	$153K-95.3%	$3.3M+181.6%	-$4.0M
Capital Expenditures	$32K-54.3%	$70K+84.2%	$38K+58.3%	$24K-36.8%	$38K+46.2%	$26K-36.6%	$41K+102.5%	-$1.6M
Free Cash Flow	$1.5M-23.9%	$1.9M-48.5%	$3.8M+825.9%	-$518K-128.6%	$1.8M+1328.3%	$127K-96.1%	$3.2M+157.5%	-$5.6M
Investing Cash Flow	-$21.1M-535.2%	$4.8M+215.8%	-$4.2M+75.5%	-$17.1M-222.7%	$13.9M+694.5%	$1.8M+114.1%	-$12.4M-205.1%	$11.8M
Financing Cash Flow	$19.1M-37.3%	$30.5M+3130.0%	-$1.0M+91.2%	-$11.4M-115.8%	$72.1M+167.2%	-$107.2M-567.3%	$22.9M+315.4%	-$10.7M
Dividends Paid	$541K+11.5%	$485K+24150.0%	$2K0.0%	$2K-99.6%	$487K-0.4%	$489K+16200.0%	$3K0.0%	$3K
Share Buybacks	N/A	$0	$0	$0	$0	$0-100.0%	$1K-98.3%	$59K

SFBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.4%+4.3pp	8.1%-6.6pp	14.7%-7.4pp	22.1%-4.9pp	27.0%+1.4pp	25.6%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.98+0.4	8.58-0.3	8.89-0.1	8.99+0.1	8.85-0.2	9.08
FCF Margin	12.2%+7.2pp	5.0%-7.8pp	12.7%-11.5pp	24.3%-31.4pp	55.6%+58.2pp	-2.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	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%+2.1pp	5.7%
Return on Equity	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%+0.3pp	0.8%
Return on Assets	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%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.07+0.1	8.98+0.1	8.87-0.1	8.98-0.3	9.24+0.7	8.58-1.2	9.77+0.2	9.61
FCF Margin	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%+61.9pp	-40.1%

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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 4 out of 9, indicating neutral financial health. 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 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.