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%
Sound Financial Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Market Cap | $113.33M | $679.86M |
| Enterprise Value | -$6.74M | $408.94M |
| PE Ratio | 14.14 | 12.00 |
| PS Ratio | 2.81 | 3.61 |
| PB Ratio | 1.01 | 1.18 |
| P/TBV Ratio | 1.01 | 1.41 |
| P/FCF Ratio | 15.45 | 10.93 |
| P/OCF Ratio | 15.05 | 10.04 |
Enterprise value
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| EV / Sales | -0.17 | 2.78 |
| EV / FCF | -0.92 | 8.25 |
Income (trailing twelve months)
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Revenue | $40.33M | $170.85M |
| Pretax Income | $9.75M | $70.12M |
| Net Income | $8.03M | $54.33M |
| EPS (Diluted) | $3.12 | $2.90 |
Margins
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 24.2% | 36.4% |
| Profit Margin | 19.9% | 29.1% |
| FCF Margin | 18.2% | 33.0% |
Returns
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 7.35% | 10.5% |
| Return on Assets (ROA) | 0.76% | 1.12% |
Growth
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 6.03% | 11.8% |
| Net Income Growth (YoY) | 27.6% | 23.1% |
| EPS Growth (YoY) | 28.4% | 22.7% |
| FCF Growth (YoY) | 57.5% | 27.1% |
| Revenue Growth (3Y CAGR) | -0.83% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.17% | 6.17% |
| EPS Growth (3Y CAGR) | -6.14% | 1.26% |
| EPS Growth (5Y CAGR) | -4.13% | 8.24% |
Balance sheet
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $120.07M | $205.54M |
| Net Cash (Debt) | $120.07M | $164.40M |
| Net Cash Per Share | $46.76 | $8.13 |
| Equity (Book Value) | $112.57M | $560.44M |
| Book Value Per Share | $43.83 | $28.47 |
| Tangible Book Value | $112.57M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $7.53M | $61.20M |
| Capital Expenditures | -$198.00K | -$4.02M |
| Free Cash Flow | $7.33M | $52.43M |
| FCF Per Share | $2.86 | $3.07 |
Efficiency
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $438.32K | $353.78K |
| Profits Per Employee | $87.32K | $107.28K |
| Employee Count | 92 | 489 |
Dividends and yields
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 7.09% | 8.07% |
| FCF Yield | 6.47% | 8.89% |
| Dividend Yield | 1.72% | 2.48% |
| Shareholder Yield | 1.72% | 3.13% |
| Dividend Per Share | $0.76 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 25.5% | 29.4% |
| FCF Payout Ratio | 28.0% | 26.0% |
Shares
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 2,568,040 | 18,839,100 |
| Shares Change (YoY) | -0.05% | 0.39% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 2,383,360 | 17,061,900 |
| Shares Held by Insiders | 7.19% | 5.89% |
| Shares Held by Institutions | 45.6% | 61.9% |
Taxes
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Income Tax | $1.72M | $14.50M |
| Effective Tax Rate | 17.6% | 21.1% |
Scores
| Measure | Sound Financial Bancorp | Industry median |
|---|---|---|
| Graham Number | $55.47 | $45.31 |
| Graham Upside | 25.7% | 21.6% |
| Altman Z-Score | 0.22 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Sound Financial Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.