SFBC

MKT CAP:$108M

Sound Financial Bancorp, Inc.

Market Cap

$108M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$43.30-$0.20 (-0.46%)

Apr 22, 2026

Company Details

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 mark...

CEO

Laura Lee Stewart

IPO Date

Jan 9, 2008

Website

www.soundcb.com

Key Metrics TTM

Revenue

$62M

-0.7% YoY

Net Income

$7M

EPS (Diluted)

$2.77

Free Cash Flow

$7M

Revenue / Share

$23.94

Gross Margin

63.1%

Operating Margin

14.1%

Net Margin

11.6%

FCF Margin

11.5%

P/S

1.8x

P/E

15.1x

Earnings Reports

Q1 2026

Apr 28, 2026

PENDING

FY 2025

Mar 18, 2026

$62M-0.7%EPS $2.78

Q4 2025

Mar 18, 2026

$15M-4.1%EPS $0.87

Q3 2025

Nov 10, 2025

$16M-3.4%EPS $0.66

Q2 2025

Aug 11, 2025

$16M+5.3%EPS $0.79

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$10M	$9M	$2M
Q2 22	$10M	$9M	$2M
Q3 22	$12M	$10M	$3M
Q4 22	$13M	$11M	$3M
Q1 23	$13M	$10M	$3M
Q2 23	$14M	$11M	$3M
Q3 23	$14M	$9M	$1M
Q4 23	$14M	$9M	$1M
Q1 24	$15M	$9M	$933.0K
Q2 24	$15M	$9M	$982.0K
Q3 24	$16M	$9M	$1M
Q4 24	$16M	$9M	$2M
Q1 25	$15M	$9M	$1M
Q2 25	$16M	$10M	$3M
Q3 25	$16M	$10M	$2M
Q4 25	$15M	$10M	$3M

Valuation

Quarter	P/S	P/E
Q1 22	2.7x	12.8x
Q2 22	2.7x	13.9x
Q3 22	2.6x	14.0x
Q4 22	2.4x	12.3x
Q1 23	2.3x	11.7x
Q2 23	2.1x	10.3x
Q3 23	2.0x	11.8x
Q4 23	1.9x	14.6x
Q1 24	1.9x	17.9x
Q2 24	1.9x	27.4x
Q3 24	1.8x	27.5x
Q4 24	1.7x	23.3x
Q1 25	1.7x	21.5x
Q2 25	1.7x	17.2x
Q3 25	1.7x	15.8x
Q4 25	1.8x	15.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$3M	$3M
Q2 22	$3M	$3M
Q3 22	-$58.0K	-$116.0K
Q4 22	$5M	$4M
Q1 23	$2M	$2M
Q2 23	-$161.0K	-$288.0K
Q3 23	$3M	$3M
Q4 23	$2M	$2M
Q1 24	$4M	$2M
Q2 24	-$4M	-$2M
Q3 24	$3M	$3M
Q4 24	$153.0K	$127.0K
Q1 25	$2M	$2M
Q2 25	-$494.0K	-$518.0K
Q3 25	$4M	$4M
Q4 25	$2M	$2M

Capital Expenditures

Quarter	CapEx
Q1 22	$84.0K
Q2 22	$83.0K
Q3 22	$58.0K
Q4 22	$173.0K
Q1 23	$35.0K
Q2 23	$127.0K
Q3 23	$63.0K
Q4 23	$219.0K
Q1 24	$2M
Q2 24	$2M
Q3 24	$41.0K
Q4 24	$26.0K
Q1 25	$38.0K
Q2 25	$24.0K
Q3 25	$62.0K
Q4 25	$100.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-9.2%	-1.1%
Q2 22	-1.2%	+9.3%
Q3 22	+12.0%	+18.0%
Q4 22	+30.5%	+23.8%
Q1 23	+34.1%	+36.9%
Q2 23	+43.7%	+36.7%
Q3 23	+16.6%	+43.2%
Q4 23	+12.2%	+39.2%
Q1 24	+13.7%	+34.5%
Q2 24	+5.9%	+30.5%
Q3 24	+16.8%	+19.1%
Q4 24	+10.5%	+4.3%
Q1 25	-0.3%	-4.1%
Q2 25	+5.3%	-5.3%
Q3 25	-3.4%	-8.3%
Q4 25	-4.1%	-6.8%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$203.0K	2.1%
Q2 22	$91.0K	0.9%
Q3 22	$90.0K	0.8%
Q4 22	$91.0K	0.7%
Q1 23	$192.0K	1.5%
Q2 23	$87.0K	0.6%
Q3 23	$89.0K	0.6%
Q4 23	$82.0K	0.6%
Q1 24	$95.0K	0.6%
Q2 24	$98.0K	0.6%
Q3 24	$98.0K	0.6%
Q4 24	$99.0K	0.6%
Q1 25	$81.0K	0.5%
Q2 25	$75.0K	0.5%
Q3 25	$75.0K	0.5%
Q4 25	$72.0K	0.5%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$4M	—
Q2 22	$4M	—
Q3 22	$4M	—
Q4 22	$4M	—
Q1 23	$4M	—
Q2 23	$5M	—
Q3 23	$4M	—
Q4 23	$4M	—
Q1 24	$5M	—
Q2 24	$5M	—
Q3 24	$4M	—
Q4 24	$4M	—
Q1 25	$5M	—
Q2 25	$1M	$5M
Q3 25	$4M	—
Q4 25	$4M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$197M	$10M	$207M
Q2 22	$80M	$9M	$89M
Q3 22	$76M	$10M	$86M
Q4 22	$58M	$10M	$68M
Q1 23	$82M	$9M	$90M
Q2 23	$100M	$8M	$109M
Q3 23	$102M	$8M	$110M
Q4 23	$50M	$8M	$58M
Q1 24	$138M	$8M	$146M
Q2 24	$135M	$8M	$143M
Q3 24	$149M	$8M	$157M
Q4 24	$44M	$8M	$51M
Q1 25	$131M	$8M	$139M
Q2 25	$103M	$2M	$105M
Q3 25	$101M	$2M	$103M
Q4 25	$138M	$8M	$146M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	3M	+0.3%	+1.1%
Q2 22	3M	-0.9%	-0.5%
Q3 22	3M	-0.7%	-1.4%
Q4 22	3M	+0.1%	-1.2%
Q1 23	3M	+0.1%	-1.4%
Q2 23	3M	-0.5%	-0.9%
Q3 23	3M	-0.7%	-1.0%
Q4 23	3M	-0.4%	-1.5%
Q1 24	3M	-0.1%	-1.8%
Q2 24	3M	+0.1%	-1.2%
Q3 24	3M	+0.4%	-0.1%
Q4 24	3M	0.0%	+0.3%
Q1 25	3M	+0.4%	+0.8%
Q2 25	3M	-0.0%	+0.7%
Q3 25	3M	-0.1%	+0.2%
Q4 25	3M	-0.0%	+0.2%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$77.9K	125
Q2 22	$80.0K	125
Q3 22	$94.4K	125
Q4 22	$98.8K	130
Q1 23	$100.5K	130
Q2 23	$110.6K	130
Q3 23	$105.9K	130
Q4 23	$112.5K	128
Q1 24	$116.0K	128
Q2 24	$118.9K	128
Q3 24	$125.6K	128
Q4 24	$147.4K	108
Q1 25	$137.0K	108
Q2 25	$148.4K	108
Q3 25	$143.8K	108
Q4 25	$166.0K	92

Revenue / Employee