SFBC
Sound Financial Bancorp Inc
NASDAQ: SFBC · FINANCIAL SERVICES · BANKS - REGIONAL
$41.15
-1.41% today
Updated 2026-04-29
Market cap
$108.50M
P/E ratio
15.25
P/S ratio
2.80x
EPS (TTM)
$2.77
Dividend yield
1.79%
52W range
$41 – $51
Volume
0.0M
Sound Financial Bancorp Inc (SFBC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $17.06M | $19.42M | $22.77M | $23.34M | $19.80M | $22.21M | $23.50M | $25.52M | $27.41M | $30.16M | $31.20M | $37.37M | $38.57M | $42.38M | $41.22M | $44.38M | $55.60M | $62.06M | $61.62M |
| Revenue growth (YoY) | — | +13.8% | +17.3% | +2.5% | -15.2% | +12.2% | +5.8% | +8.6% | +7.4% | +10.1% | +3.4% | +19.8% | +3.2% | +9.9% | -2.7% | +7.7% | +25.3% | +11.6% | -0.7% |
| Cost of revenue | $17.06M | $19.42M | $22.77M | $8.94M | $7.38M | $6.88M | $3.66M | $3.22M | $3.15M | $3.37M | $3.87M | $5.88M | $7.49M | $8.38M | $4.38M | $5.66M | $16.49M | $26.25M | $22.76M |
| Gross profit | — | — | — | $14.40M | $12.42M | $15.33M | $19.84M | $22.30M | $24.25M | $26.79M | $27.33M | $31.48M | $31.08M | $34.00M | $36.84M | $38.72M | $39.12M | $35.69M | $38.86M |
| Gross margin | 0.0% | 0.0% | 0.0% | 61.7% | 62.7% | 69.0% | 84.4% | 87.4% | 88.5% | 88.8% | 87.6% | 84.3% | 80.6% | 80.2% | 89.4% | 87.3% | 70.3% | 57.5% | 63.1% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | — | — | — | $9.78M | $5.00M | $6.01M | $7.21M | $8.28M | $9.22M | $10.51M | $10.73M | $12.78M | $12.40M | $12.08M | $14.26M | $16.41M | $17.14M | $17.59M | $18.45M |
| Operating income | $370173.00 | $591805.00 | $-741555.00 | $1.88M | $2.20M | $3.87M | $5.75M | $6.58M | $7.08M | $8.07M | $8.19M | $8.74M | $8.33M | $11.33M | $11.43M | $10.88M | $9.00M | $5.65M | $8.67M |
| Operating margin | 2.2% | 3.0% | -3.3% | 8.0% | 11.1% | 17.4% | 24.5% | 25.8% | 25.8% | 26.8% | 26.3% | 23.4% | 21.6% | 26.7% | 27.7% | 24.5% | 16.2% | 9.1% | 14.1% |
| EBITDA | $381123.00 | $306665.00 | $-144355.00 | $3.26M | $3.45M | $5.33M | $7.22M | $7.92M | $7.70M | $8.87M | $9.14M | $9.73M | $9.85M | $13.15M | $13.02M | $12.47M | $10.65M | $7.22M | $8.67M |
| EBITDA margin | 2.2% | 1.6% | -0.6% | 14.0% | 17.4% | 24.0% | 30.7% | 31.0% | 28.1% | 29.4% | 29.3% | 26.0% | 25.5% | 31.0% | 31.6% | 28.1% | 19.2% | 11.6% | 14.1% |
| EBIT | $370173.00 | $591805.00 | $-741555.00 | $1.88M | $2.20M | $3.87M | $5.75M | $6.58M | $7.08M | $8.07M | $8.19M | $8.74M | $8.33M | $11.33M | $11.43M | $10.88M | $9.00M | $5.65M | — |
| Interest expense | $1.35M | $1.27M | $934078.00 | $4.29M | $2.78M | $2.36M | $2.31M | $2.42M | $2.75M | $2.92M | $3.37M | $5.36M | $7.62M | $7.45M | $3.95M | $4.50M | $16.76M | $26.37M | $22.63M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $319136.00 | $261575.00 | $-613803.00 | $1.33M | $1.55M | $2.64M | $3.94M | $4.24M | $4.79M | $5.38M | $5.13M | $7.04M | $6.68M | $8.94M | $9.16M | $8.80M | $7.44M | $4.64M | $7.16M |
| Net income growth (YoY) | — | -18.0% | -334.7% | +316.8% | +16.5% | +70.2% | +49.2% | +7.6% | +13.0% | +12.3% | -4.7% | +37.3% | -5.1% | +33.8% | +2.5% | -3.8% | -15.5% | -37.6% | +54.3% |
| Profit margin | 1.9% | 1.3% | -2.7% | 5.7% | 7.8% | 11.9% | 16.8% | 16.6% | 17.5% | 17.8% | 16.4% | 18.8% | 17.3% | 21.1% | 22.2% | 19.8% | 13.4% | 7.5% | 11.6% |