What is Sound Financial Bancorp, Inc.'s earnings per share (EPS)?

Sound Financial 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 Financial Bancorp, Inc. (SFBC) Financials

SFBC

Trailing 12 months to June 30, 2026

Revenue $40.3M +6.0% YoY

Net Income $8.0M +27.6% YoY

EPS (Diluted) $3.12 +27.9% YoY

Free Cash Flow $7.3M +57.5% YoY

Market Cap $109.9M as of Oct 13, 2026

Price / Sales 2.7x on $40.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.7x on $8.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $112.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SFBC SEC filings page.

Sound Financial Bancorp, Inc. (SFBC) reported $40.3M in revenue over the twelve months to Jun 30, 2026, up 6.0% 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 2026-10-04

2025 earnings rebounded, but the bank remains funded predominantly by liabilities, making asset growth more balance-sheet intensive than profit-led.

The earnings recovery was cash-backed: net income and operating cash flow were both about $7.2M in FY2025, unlike the weaker conversion visible in FY2024. Free cash flow reached nearly $7.0M, indicating that reported profits were not being absorbed by unusually heavy reinvestment.

At FY2025, liabilities totaled $983M against $109M of equity, so a relatively thin equity layer supports the much larger balance sheet. The resulting 9.0x debt-to-equity ratio was near its recent high, while a $90.2M financing inflow helped accompany roughly 10.0% asset growth.

Profitability remains modest relative to balance-sheet scale: return on assets recovered to 0.7% in FY2025 from 0.5% in FY2024. The rebound also coincided with interest expense falling from $26.4M to $22.6M, suggesting funding costs materially influence reported earnings.

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 Financial 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

Sound Financial Bancorp, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Sound Financial Bancorp, Inc. scores 32/100 among other banks.

Growth

Sound Financial Bancorp, Inc. reported revenue of $38.9M in fiscal year 2025, against $35.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Sound Financial Bancorp, Inc. scores 17/100 among other banks.

Capital

Sound Financial Bancorp, Inc. funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $109.4M of equity against $1.1B of assets. Capital ranks banks on that cushion, and Sound Financial Bancorp, Inc. scores 30/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Sound Financial Bancorp, Inc. scores 16/100 on it among other banks.

Credit Quality

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

Stability

Sound Financial Bancorp, Inc. reported net income of $7.2M in fiscal year 2025, against $4.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Sound Financial Bancorp, Inc. scores 56/100 among other banks.

Piotroski F-Score Partial

5/6

Sound Financial 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 Financial 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

$11.0M

YoY+6.2%

QoQ+10.7%

5Y CAGR+4.0%

10Y CAGR+5.2%

Sound Financial Bancorp, Inc. generated $11.0M in revenue in Q2 2026. This represents an increase of 6.2% from the same quarter a year earlier. Against the prior quarter it is up 10.7%.

Net Income

$2.5M

YoY+22.7%

QoQ+59.8%

5Y CAGR+2.3%

10Y CAGR+7.2%

Sound Financial Bancorp, Inc. reported $2.5M in net income in Q2 2026. This represents an increase of 22.7% from the same quarter a year earlier. Against the prior quarter it is up 59.8%.

EPS (Diluted)

$0.98

YoY+24.1%

QoQ+60.7%

5Y CAGR+2.9%

10Y CAGR+7.2%

Sound Financial Bancorp, Inc. earned $0.98 per diluted share (EPS) in Q2 2026. This represents an increase of 24.1% from the same quarter a year earlier. Against the prior quarter it is up 60.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$166K

YoY+132.0%

QoQ-88.7%

5Y CAGR-51.8%

Sound Financial Bancorp, Inc. generated $166K in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 132.0% from the same quarter a year earlier. Against the prior quarter it is down 88.7%.

Cash & Debt

$120.1M

YoY+17.1%

QoQ-13.0%

5Y CAGR-12.7%

10Y CAGR+10.3%

Sound Financial Bancorp, Inc. held $120.1M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.21

YoY+10.5%

QoQ0.0%

5Y CAGR+4.3%

Sound Financial Bancorp, Inc. paid $0.21 per share in dividends in Q2 2026. This represents an increase of 10.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.1%

QoQ+0.1%

5Y CAGR-0.4%

10Y CAGR+0.3%

Sound Financial Bancorp, Inc. had 3M shares outstanding in Q2 2026. This represents an increase of 0.1% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

22.9%

YoY+3.1pp

QoQ+7.0pp

5Y change-2.0pp

10Y change+4.0pp

Sound Financial Bancorp, Inc.'s net profit margin was 22.9% in Q2 2026, showing the share of revenue converted to profit. This is up 3.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 7.0 percentage points.

Return on Equity

2.2%

YoY+0.3pp

QoQ+0.8pp

5Y change-0.3pp

10Y change0.0pp

Sound Financial Bancorp, Inc.'s ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$58K

YoY+141.7%

QoQ+81.3%

5Y CAGR-6.5%

10Y CAGR-21.8%

Sound Financial Bancorp, Inc. invested $58K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 141.7% from the same quarter a year earlier. Against the prior quarter it is up 81.3%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SFBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$40.3M	$38.9M+9.1%	$35.7M-8.2%	$38.9M-2.6%	$39.9M+7.1%	$37.2M+6.6%	$34.9M+12.7%	$31.0M-3.4%	$32.1M+14.9%	$27.9M+2.5%	$27.2M+9.1%	$25.0M+7.1%	$23.3M+4.9%	$22.2M+7.0%	$20.8M+13.3%	$18.3M
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 (Basic)	N/A	$2.79+54.1%	$1.81-37.2%	$2.88-15.0%	$3.39-3.7%	$3.52+1.7%	$3.46+31.6%	$2.63-6.7%	$2.82+37.6%	$2.05-5.1%	$2.16+12.5%	$1.92+13.6%	$1.69+11.2%	$1.52+50.5%	$1.01+68.3%	$0.60
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
Diluted Shares (Avg)	N/A	3M+0.4%	3M-0.6%	3M-1.2%	3M-0.5%	3M+1.3%	3M+0.4%	3M+0.6%	3M0.0%	3M0.0%	3M-0.5%	3M-0.9%	3M-0.9%	3M+0.3%	3M+0.4%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$11.0M+6.2%	$10.0M+8.6%	$9.5M+1.5%	$9.8M+7.8%	$10.4M+20.5%	$9.2M+7.2%	$9.4M+8.7%	$9.1M-1.5%
SG&A Expenses	$1.6M+12.1%	$1.5M+10.0%	$1.7M+26.7%	$1.5M-3.7%	$1.4M-8.0%	$1.4M-6.3%	$1.3M-13.7%	$1.5M-5.2%
Interest Expense	$5.3M-7.2%	$5.4M-3.9%	$5.6M-13.7%	$5.7M-18.0%	$5.7M-14.1%	$5.6M-10.6%	$6.5M+12.9%	$7.0M+54.2%
Income Tax	$597K+22.3%	$384K+32.0%	$340K-12.6%	$395K+47.9%	$488K+161.0%	$291K+78.5%	$389K+173.9%	$267K-9.5%
Net Income	$2.5M+22.7%	$1.6M+35.0%	$2.2M+16.8%	$1.7M+46.9%	$2.1M+158.1%	$1.2M+51.6%	$1.9M+58.8%	$1.2M-1.3%
EPS (Basic)	$0.98+22.5%	$0.61+35.6%	$0.87+16.0%	$0.66+46.7%	$0.80+158.1%	$0.45+50.0%	$0.75+59.6%	$0.450.0%
EPS (Diluted)	$0.98+24.1%	$0.61+35.6%	$0.87+16.0%	$0.66+46.7%	$0.79+154.8%	$0.45+50.0%	$0.75+59.6%	$0.450.0%
Diluted Shares (Avg)	3M-0.1%	3M-0.2%	N/A	3M+0.2%	3M+0.7%	3M+0.8%	N/A	3M-0.1%

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

SFBC Balance Sheet

SFBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.1B+0.7%	$1.1B+4.0%	$1.1B+9.9%	$1.1B-3.7%	$1.1B-1.5%	$1.1B-1.6%	$993.6M-0.2%	$1.1B+6.9%
Cash & Equivalents	$120.1M+17.1%	$138.0M+4.9%	$138.5M+217.3%	$101.2M-32.1%	$102.5M-24.1%	$131.5M-4.7%	$43.6M-12.2%	$148.9M+46.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$777K0.0%	N/A	N/A	N/A	$777K0.0%	N/A
Total Liabilities	$953.2M+0.1%	$1.0B+3.8%	$982.8M+10.4%	$952.7M-4.6%	$952.2M-2.2%	$964.8M-2.1%	$890.0M-0.5%	$998.7M+7.4%
Total Equity	$112.6M+6.2%	$110.4M+5.7%	$109.4M+5.5%	$107.5M+5.1%	$106.0M+4.6%	$104.4M+3.4%	$103.7M+3.0%	$102.2M+2.0%
Retained Earnings	$84.5M+7.6%	$82.5M+7.2%	$81.5M+6.8%	$79.7M+6.5%	$78.5M+5.9%	$77.0M+4.1%	$76.3M+3.6%	$74.8M+1.9%

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

SFBC Cash Flow Statement

SFBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$491K-20.7%	$619K-13.7%	$717K+1.8%	$704K+4.1%	$676K-25.3%	$905K-2.8%	$931K-5.9%	$989K+4.9%	$943K+18.9%	$793K+27.9%	$620K+11.7%	$555K+20.4%	$461K+17.0%	$394K+5.3%	$374K
Stock-Based Compensation	N/A	$303K-22.3%	$390K-13.3%	$450K-5.3%	$475K+31.9%	$360K+6.5%	$338K+26.6%	$267K-2.2%	$273K-47.8%	$523K-0.4%	$525K+25.6%	$418K+25.5%	$333K+98.2%	$168K+0.6%	$167K+26.5%	$132K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$224K+145.3%	$1.5M-18.7%	$2.0M+1210.5%	$3.8M+16.0%	-$494K+87.7%	$1.9M-47.4%	$153K-92.8%	$3.3M+10.5%
Depreciation & Amortization	$99K-15.4%	$103K-28.5%	$115K-15.4%	$115K-17.9%	$117K-29.1%	$144K-19.1%	$136K-25.7%	$140K-22.2%
Stock-Based Compensation	N/A	$57K-29.6%	N/A	N/A	N/A	$81K-14.7%	N/A	$98K+11.4%
Capital Expenditures	$58K+141.7%	$32K-15.8%	$70K+169.2%	$38K-7.3%	$24K-98.5%	$38K-97.7%	$26K-88.1%	$41K-34.9%
Free Cash Flow	$166K+132.0%	$1.5M-18.8%	$1.9M+1423.6%	$3.8M+16.3%	-$518K+90.8%	$1.8M-4.3%	$127K-93.3%	$3.2M+11.5%
Investing Cash Flow	$30.0M+275.7%	-$21.1M-251.3%	$4.8M+176.3%	-$4.2M+66.3%	-$17.1M-244.8%	$13.9M+372.9%	$1.8M+109.2%	-$12.4M+37.9%
Financing Cash Flow	-$48.2M-323.4%	$19.1M-73.5%	$30.5M+128.4%	-$1.0M-104.4%	-$11.4M-6.8%	$72.1M-19.8%	-$107.2M-204.7%	$22.9M+22.5%
Dividends Paid	$1K-50.0%	$541K+11.1%	$485K-0.8%	$2K-33.3%	$2K-33.3%	$487K+0.2%	$489K+0.2%	$3K0.0%
Share Buybacks	N/A	N/A	$0	$0-100.0%	$0-100.0%	$0-100.0%	$0-100.0%	$1K-99.6%

SFBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SFBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	18.4%+5.4pp	13.0%-6.1pp	19.1%-2.9pp	22.1%-2.5pp	24.6%-1.0pp	25.6%+4.0pp	21.6%-0.4pp	21.9%+3.6pp	18.3%-1.4pp	19.7%+0.6pp	19.2%+1.0pp	18.2%+0.5pp	17.7%+5.0pp	12.7%+4.3pp	8.5%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	18.0%+10.0pp	8.0%-8.6pp	16.6%-7.6pp	24.2%-26.4pp	50.6%+53.1pp	-2.5%-36.1pp	33.6%+3.4pp	30.2%+14.6pp	15.6%-7.0pp	22.5%+12.0pp	10.6%-1.6pp	12.2%-21.3pp	33.4%-14.5pp	47.9%+9.4pp	38.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	22.9%+3.1pp	15.8%+3.1pp	23.6%+3.1pp	17.3%+4.6pp	19.8%+10.6pp	12.7%+3.7pp	20.5%+6.5pp	12.7%0.0pp
Return on Equity	2.2%+0.3pp	1.4%+0.3pp	2.1%+0.2pp	1.6%+0.5pp	1.9%+1.2pp	1.1%+0.4pp	1.8%+0.6pp	1.1%0.0pp
Return on Assets	0.2%0.0pp	0.1%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.2%+0.1pp	0.1%0.0pp
Debt-to-Equity	8.47-0.5x	9.07-0.2x	8.98+0.4x	8.87-0.9x	8.98-0.6x	9.24-0.5x	8.58-0.3x	9.77+0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	1.5%+6.5pp	14.8%-5.0pp	20.3%+19.0pp	38.3%+2.8pp	-5.0%+60.4pp	19.8%-2.4pp	1.4%-20.7pp	35.5%+4.2pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Sound Financial Bancorp, Inc. SFBC	FY2025	$38.9M	$7.2M	18.4%	$109.9M	25/100
Magyar Bancorp, Inc. MGYR	FY2025	$54.7M	$9.8M	17.8%	$121.0M	56/100
Bogota Financial Corp. BSBK	FY2025	$17.2M	$2.1M	12.1%	$117.0M	40/100
Riverview Bancorp Inc RVSB	FY2026	$43.1M	-$4.3M	-10.1%	$119.9M	25/100
Provident Financial Hldgs PROV	FY2026	$40.1M	$6.7M	16.6%	$112.5M	30/100
Lake Shore Bancorp, Inc. LSBK	FY2025	$27.8M	$7.3M	26.1%	$141.1M	63/100

Where Sound Financial Bancorp, Inc. Ranks

Frequently Asked Questions

What is Sound Financial Bancorp, Inc.'s annual revenue?

Sound Financial Bancorp, Inc. (SFBC) reported $38.9M in total revenue for fiscal year 2025. This represents a 9.1% 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 Financial Bancorp, Inc.'s revenue growing?

Sound Financial Bancorp, Inc. (SFBC) revenue grew by 9.1% year-over-year, from $35.7M to $38.9M in fiscal year 2025.

Is Sound Financial Bancorp, Inc. profitable?

Yes, Sound Financial Bancorp, Inc. (SFBC) reported a net income of $7.2M in fiscal year 2025, with a net profit margin of 18.4%.

What is Sound Financial Bancorp, Inc.'s net profit margin?

Sound Financial Bancorp, Inc. (SFBC) had a net profit margin of 18.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Sound Financial Bancorp, Inc. pay dividends?

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

What is Sound Financial Bancorp, Inc.'s return on equity (ROE)?

Sound Financial 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 Financial Bancorp, Inc.'s free cash flow?

Sound Financial 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 Financial Bancorp, Inc.'s operating cash flow?

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

What are Sound Financial Bancorp, Inc.'s total assets?

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

What are Sound Financial Bancorp, Inc.'s capital expenditures?

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

How many shares does Sound Financial Bancorp, Inc. have outstanding?

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

What is Sound Financial Bancorp, Inc.'s debt-to-equity ratio?

Sound Financial 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 Financial Bancorp, Inc.'s return on assets (ROA)?

Sound Financial 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 Financial Bancorp, Inc.'s P/E ratio?

Sound Financial Bancorp, Inc. (SFBC) trades at 13.7x earnings, its market capitalization divided by net income of $8.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $109.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Sound Financial Bancorp, Inc.'s price-to-sales ratio?

Sound Financial Bancorp, Inc. (SFBC) trades at 2.7x sales, its market capitalization divided by revenue of $40.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $109.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Sound Financial Bancorp, Inc.'s Piotroski F-Score?

Sound Financial 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 Financial Bancorp, Inc.'s earnings high quality?

Sound Financial 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 Financial Bancorp, Inc.?

Sound Financial 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.