SFBCNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Sound Financial Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$44.13+0.96 (+2.22%)
Close on Oct 19, 2026
- Market cap
- $113.62M
- P/E (TTM)
- 14.1
- Dividend yield
- 1.72%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
18.4%−7.2 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.1% | -0.8% | +2.2% | +4.5% | |
| Net income | +54.3% | -6.7% | -4.3% | +4.1% | |
| EPS, diluted | +53.9% | -6.1% | -4.1% | +4.1% | |
| Free cash flow | +144.8% | -10.2% | – | +10.2% | |
| Dividend per share | 0.0% | -0.9% | -1.0% | +14.3% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.4% | 11.0% | 6.7% | |
| Return on assets | 1.0% | 1.1% | 0.7% | |
| Capex to revenue | 3.7% | 1.2% | 0.4% | |
| Diluted shares | 3M | 3M | 3M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Sound Financial Bancorp generated $46.11M from operations and spent $15.28M on capital expenditure, dividends and share buybacks. 9% of that went back into the business.
Generated
$46.11M
Used
$15.28M
Capital expenditure$1.31M9%Dividends$9.88M65%Share buybacks$4.09M27%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin18.4%
×Asset turnover0.04×
×Equity multiplier9.79×
=Return on equity, FY20256.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 18.4% | 0.04× | 9.79× | 6.7% |
| FY2024 | 13.0% | 0.04× | 9.73× | 4.5% |
| FY2023 | 19.1% | 0.04× | 9.94× | 7.5% |
| FY2022 | 22.1% | 0.04× | 9.92× | 9.2% |
| FY2021 | 24.6% | 0.04× | 9.96× | 10.2% |
| FY2020 | 25.6% | 0.04× | 9.69× | 11.0% |
| FY2019 | 21.6% | 0.04× | 9.62× | 8.9% |
| FY2018 | 21.9% | 0.05× | 9.96× | 10.3% |
| FY2017 | 18.3% | 0.05× | 9.83× | 8.2% |
| FY2016 | 19.7% | 0.05× | 9.84× | 9.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$7.16M
- Cash generatingOperating cash flow above zero$7.16M
- Return on assets improvedROA up on the prior year0.5% → 0.7%
- Earnings backed by cashOperating cash flow above net income$7.16M vs $7.16M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04