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Sound Financial Bancorp, Inc. logo

Sound Financial Bancorp, Inc.

SFBC

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$47.31

−$0.44 · -0.92%

Aug 21, 4:00 PM ET

SFBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

84

Deep Value

Momentum

52

Neutral

Sentiment

48

Mixed

Risk resilience

70

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also provides loans secured by first and second mortgages on one-to-four family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats and recreational vehicle loans, and loans secured by deposit accounts, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Laura Lee Stewart
Listed since
Jan 9, 2008
Employees
107

Market position

Day range

Current $47.31

52-week range

Current $47.31

Open
$47.6444
Previous close
$47.75
Volume
1.59K
0.13× average
Average volume
11.93K
Average daily volume
Market cap
112.64M USD
Beta
0
Market reference 1
50-day average
$45.164
+4.75% above average
200-day average
$43.8306
+7.94% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-5.42M USD
EV / EBITDA
-0.53×
Earnings yield
6.42%
Free cash flow yield
6.27%

Profitability & efficiency

Return on equity
6.54%
Return on assets
0.66%
Return on invested capital
5.02%

Financial health

Current ratio
0.15×
Altman Z-score
0.42
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%65%32%-1%Gross margin, FY2021: 89.38%Gross margin, FY2022: 87.25%Gross margin, FY2023: 70.35%Gross margin, FY2024: 57.51%Gross margin, FY2025: 63.07%Operating margin, FY2021: 27.73%Operating margin, FY2022: 24.51%Operating margin, FY2023: 16.19%Operating margin, FY2024: 9.10%Operating margin, FY2025: 14.07%Net margin, FY2021: 22.21%Net margin, FY2022: 19.84%Net margin, FY2023: 13.38%Net margin, FY2024: 7.48%Net margin, FY2025: 11.62%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.38%. Gross margin FY2022 87.25%. Gross margin FY2023 70.35%. Gross margin FY2024 57.51%. Gross margin FY2025 63.07%. Operating margin FY2021 27.73%. Operating margin FY2022 24.51%. Operating margin FY2023 16.19%. Operating margin FY2024 9.10%. Operating margin FY2025 14.07%. Net margin FY2021 22.21%. Net margin FY2022 19.84%. Net margin FY2023 13.38%. Net margin FY2024 7.48%. Net margin FY2025 11.62%.

Income trends

Revenue

61.62M USD-0.71%

Operating income

8.67M USD+53.60%

Net income

7.16M USD+54.27%
Income trends across reported periods67.8M USD44.83M USD21.87M USD−1.1M USDRevenue, FY2021: 41.22M USDRevenue, FY2022: 44.38M USDRevenue, FY2023: 55.6M USDRevenue, FY2024: 62.06M USDRevenue, FY2025: 61.62M USDOperating income, FY2021: 11.43M USDOperating income, FY2022: 10.88M USDOperating income, FY2023: 9M USDOperating income, FY2024: 5.65M USDOperating income, FY2025: 8.67M USDNet income, FY2021: 9.16M USDNet income, FY2022: 8.8M USDNet income, FY2023: 7.44M USDNet income, FY2024: 4.64M USDNet income, FY2025: 7.16M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 41.22M USD. Revenue FY2022 44.38M USD. Revenue FY2023 55.6M USD. Revenue FY2024 62.06M USD. Revenue FY2025 61.62M USD. Operating income FY2021 11.43M USD. Operating income FY2022 10.88M USD. Operating income FY2023 9M USD. Operating income FY2024 5.65M USD. Operating income FY2025 8.67M USD. Net income FY2021 9.16M USD. Net income FY2022 8.8M USD. Net income FY2023 7.44M USD. Net income FY2024 4.64M USD. Net income FY2025 7.16M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue61.62M USD62.06M USD55.6M USD44.38M USD41.22M USD
Cost of goods sold22.76M USD26.25M USD16.49M USD5.66M USD4.38M USD
Gross profit38.86M USD35.69M USD39.12M USD38.72M USD36.84M USD
Selling, general, and administrative18.45M USD17.59M USD17.14M USD16.42M USD14.26M USD
Operating expenses30.19M USD30.16M USD30.12M USD27.85M USD25.41M USD
Interest income57.56M USD57.37M USD50.61M USD39.8M USD33.87M USD
Interest expense22.63M USD26.37M USD16.76M USD4.5M USD3.95M USD
Depreciation and amortization1.51M USD1.58M USD1.65M USD1.6M USD1.59M USD
Operating income8.67M USD5.65M USD9M USD10.88M USD11.43M USD
Net income7.16M USD4.64M USD7.44M USD8.8M USD9.16M USD

Company facts updated Aug 24, 2026.

SFBC news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.76

2025 complete year-2.6% since 2021

2026 partial: $0.63

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 7, 2026

$0.21

Quarterly

Record Aug 7, 2026 · Payment Aug 21, 2026

Dividend

Ex-dividend May 11, 2026

$0.21

Quarterly

Record May 11, 2026 · Payment May 26, 2026

Dividend

Ex-dividend Feb 9, 2026

$0.21

Quarterly

Record Feb 9, 2026 · Payment Feb 23, 2026

Dividend

Ex-dividend Nov 7, 2025

$0.19

Quarterly

Record Nov 7, 2025 · Payment Nov 21, 2025

Dividend

Ex-dividend Aug 11, 2025

$0.19

Quarterly

Record Aug 11, 2025 · Payment Aug 25, 2025

Dividend

Ex-dividend May 9, 2025

$0.19

Quarterly

Record May 9, 2025 · Payment May 23, 2025

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ETFs holding SFBC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
3.41M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.08M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
368.68K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
240K
Weight
0.01%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
164.5K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
55.25K
Weight
0.00%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
33.66K
Weight
0.00%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
Dimensional U.S. Equity ETF logoDimensional U.S. Equity ETFDFUS
Market value
15.09K
Weight
0.00%
AUM
21.52B USD
Expense ratio
0.09%
Price / 1D
$83.64+0.43%

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