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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 8.67M | 5.65M | 9.00M | 10.88M | 11.43M |
| Net income | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
| Selling general administrative | 18.45M | 17.59M | 17.14M | 16.41M | 23.66M |
| Selling and marketing expenses | - | - | 0.38M | - | - |
| Gross profit | 38.86M | 35.69M | 39.12M | 39.88M | 37.25M |
| Reconciled depreciation | 1.51M | 1.58M | 1.80M | 1.60M | 1.59M |
| Ebit | 8.67M | 5.65M | 9.00M | 14.74M | 11.43M |
| Ebitda | 10.18M | 7.22M | 10.65M | 16.34M | 13.02M |
| Depreciation and amortization | 1.51M | 1.58M | 1.65M | 1.60M | 1.59M |
| Operating income | 8.67M | 5.65M | 9.00M | 14.74M | 11.43M |
| Other operating expenses | 52.95M | 56.41M | 46.60M | -25.13M | -25.82M |
| Interest expense | 22.63M | 26.37M | 16.76M | 4.50M | 3.95M |
| Tax provision | 1.51M | 1.01M | 1.96M | 2.07M | 2.27M |
| Interest income | 57.56M | 57.37M | 49.09M | 39.80M | 33.87M |
| Net interest income | 34.93M | 31.00M | 35.97M | 35.30M | 29.92M |
| Income tax expense | 1.51M | 1.01M | 1.56M | 2.07M | 2.27M |
| Total revenue | 61.62M | 62.06M | 55.60M | 39.88M | 37.25M |
| Total operating expenses | 30.19M | 30.16M | 30.12M | -25.13M | -25.82M |
| Cost of revenue | 22.76M | 26.25M | 16.49M | - | - |
| Total other income expense net | - | 39.24M | -1.65M | -3.87M | -3.95M |
| Net income from continuing ops | 7.16M | 4.64M | 9.15M | 8.80M | 9.16M |
| Net income applicable to common shares | - | - | - | 8.80M | 9.16M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1092.17M | 993.63M | 995.22M | 976.35M | 919.69M |
| Intangible assets | 4.18M | 4.77M | 4.63M | 4.69M | 4.27M |
| Other current assets | 3.77M | - | 53.72M | 3.08M | 701.14M |
| Total liab | 982.77M | 889.97M | 894.57M | 878.65M | 826.33M |
| Total stockholder equity | 109.40M | 103.67M | 100.65M | 97.70M | 93.36M |
| Other current liab | 948.88M | 837.80M | 699.39M | -0.40M | -0.20M |
| Common stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Capital stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Retained earnings | 81.48M | 76.27M | 73.63M | 70.79M | 65.24M |
| Other liab | - | - | - | 9.36M | 9.94M |
| Other assets | 934.59M | 930.31M | - | 894.61M | 701.14M |
| Cash | 138.45M | 43.64M | 49.69M | 57.84M | 183.59M |
| Total current liabilities | 949.55M | 838.56M | 715.49M | 5.45M | 0.20M |
| Current deferred revenue | - | - | -0.82M | - | -6.04M |
| Net debt | -116.98M | -2.87M | 6.85M | 2.29M | -165.71M |
| Short term debt | 3.67M | 4.01M | 16.10M | 5.45M | 6.24M |
| Short long term debt | 0.00M | 0.00M | 15.00M | - | - |
| Short long term debt total | 21.47M | 40.77M | 56.54M | 60.12M | 17.88M |
| Other stockholder equity | 28.74M | 28.41M | 27.99M | 28.00M | 27.96M |
| Property plant equipment | - | - | - | 5.51M | 11.63M |
| Total current assets | 144.59M | 54.90M | 53.72M | 71.13M | 194.23M |
| Long term investments | 9.59M | 9.92M | 10.45M | 12.41M | 8.42M |
| Net tangible assets | - | - | - | 97.70M | 93.36M |
| Short term investments | 2.37M | 7.79M | 8.29M | 10.21M | 8.42M |
| Net receivables | 3.77M | 3.47M | 3.45M | 3.08M | 2.22M |
| Long term debt | 17.80M | 36.76M | 36.72M | 54.68M | 11.63M |
| Inventory | - | - | 46.24M | 0.66M | 0.66M |
| Accounts payable | 0.67M | 0.77M | 0.82M | 0.40M | 0.20M |
| Accumulated other comprehensive income | -0.85M | -1.04M | -0.99M | -1.12M | 0.14M |
| Common stock total equity | - | - | - | 0.03M | - |
| Retained earnings total equity | - | - | - | 70.79M | - |
| Non currrent assets other | 31.04M | 31.25M | 32.56M | -17.09M | -24.32M |
| Non current assets total | 947.58M | 938.73M | 941.50M | 10.62M | 24.32M |
| Capital lease obligations | 3.67M | 4.01M | 4.82M | 5.45M | 6.24M |
| Long term debt total | - | - | - | 11.68M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 0.54M | -3.94M | -23.30M | -185.18M | 1.58M |
| Change to liabilities | - | - | - | -0.06M | 0.00M |
| Total cashflows from investing activities | -2.50M | -3.94M | -26.32M | -185.57M | -77.94M |
| Net borrowings | -19.00M | -15.00M | -3.00M | 43.00M | 43.00M |
| Total cash from financing activities | 90.15M | -5.04M | 11.29M | 49.77M | 48.63M |
| Change to operating activities | - | - | - | -0.54M | 0.53M |
| Net income | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
| Change in cash | 94.81M | -6.05M | -8.15M | -125.75M | -10.24M |
| Begin period cash flow | 43.64M | 49.69M | 57.84M | 183.59M | 193.83M |
| End period cash flow | 138.45M | 43.64M | 49.69M | 57.84M | 183.59M |
| Total cash from operating activities | 7.16M | 2.93M | 6.89M | 10.05M | 19.07M |
| Depreciation | 1.51M | 1.58M | 1.65M | 1.60M | 1.59M |
| Other cashflows from investing activities | -2.87M | -4.29M | -27.96M | -1.79M | -6.06M |
| Dividends paid | 1.95M | 1.95M | 1.91M | -2.03M | -2.04M |
| Change to account receivables | -0.30M | -0.02M | -0.37M | -0.87M | 0.04M |
| Sale purchase of stock | -0.13M | -0.28M | -2.40M | -1.87M | -0.15M |
| Other cashflows from financing activities | 111.08M | 12.20M | 18.61M | 53.44M | 50.99M |
| Change to netincome | - | - | - | 2.65M | 7.77M |
| Capital expenditures | 0.17M | 0.08M | 0.44M | 0.40M | 0.23M |
| Change receivables | - | - | - | -0.87M | - |
| Cash flows other operating | - | - | - | -1.25M | - |
| Cash and cash equivalents changes | - | - | - | -125.75M | - |
| Change in working capital | 0.23M | -1.94M | -0.35M | -2.38M | 0.56M |
| Stock based compensation | 0.30M | 0.39M | 0.45M | 0.47M | 0.36M |
| Other non cash items | -2.23M | -1.62M | -1.91M | 2.03M | 7.25M |
| Free cash flow | 6.99M | 2.86M | 6.44M | 9.66M | 18.85M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SFBC Sound Financial Bancorp Inc |
- -% |
45.00 | 15.29 | - | 3.11 | 1.09 | 3.31 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Ms. Laura Lee Stewart | Interim Chief Credit Officer, Pres, CEO & Director | 1949 |
| Mr. Wesley Ochs | Exec. VP, Chief Strategy Officer & CFO | 1979 |
| Ms. Heidi J. Sexton | Exec. VP & COO | 1976 |
| Ms. Jennifer L. Mallon | Sr. VP & Chief Accounting Officer | 1984 |
| Mr. Brady Robb | VP & Marketing Director | NA |
| Ms. Patricia L. Floyd | Sr. VP and Sr. VP of HR - Sound Community Bank | 1945 |
| Ms. Laura Lee Stewart | Interim Chief Credit Officer, President, CEO & Director | 1949 |
| Mr. Wesley Ochs | Executive VP, Chief Strategy Officer & CFO | 1979 |
| Ms. Heidi J. Sexton | Executive VP & COO | 1976 |
| Ms. Jennifer L. Mallon | Senior VP & Chief Accounting Officer | 1985 |
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Basic Materials
-1.82%
Communication Services
-0.22%
Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
+0.15%
Financial Services
-0.85%
Financials
+2.34%
Healthcare
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Industrials
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Real Estate
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Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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