Shareholder returns
- Dividends have been paid for 14 consecutive years, consuming 27.2% of earnings and 27.9% of free cash flow.
- The dividend has declined 1.2% per year over the past 5 years.
SFBC Financials Sound Financial Bancorp, Inc.
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $7M | — | — | 6.5% | 0.7% | $7M | — | $138M |
| 2024 | — | $5M | — | — | 4.5% | 0.5% | $3M | — | $44M |
| 2023 | — | $7M | — | — | 7.4% | 0.7% | $6M | — | $50M |
| 2022 | — | $9M | — | — | 9.0% | 0.9% | $10M | — | $58M |
| 2021 | — | $9M | — | — | 9.8% | 1.0% | $19M | — | $184M |
| 2020 | — | $9M | — | — | 10.5% | 1.0% | -$891000 | — | $194M |
| 2019 | — | $7M | — | — | 8.6% | 0.9% | $10M | — | $56M |
| 2018 | — | $7M | — | — | 9.8% | 1.0% | $10M | — | $62M |
| 2017 | — | $5M | — | — | 7.9% | 0.8% | $4M | — | $61M |
| 2016 | — | $5M | — | — | 8.9% | 0.9% | $6M | — | $55M |
| 2015 | — | $5M | — | — | 8.8% | 0.9% | — | $40M | $48M |
| 2014 | — | $4M | — | — | 8.4% | 0.9% | — | — | $29M |
| 2013 | — | $4M | — | — | 8.5% | 0.9% | $7M | — | $15M |
| 2012 | — | $3M | — | — | 6.1% | 0.7% | $10M | — | $13M |
| 2011 | — | $2M | — | — | 5.4% | 0.5% | $7M | — | $17M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $3M | — | — | 2.2% | 0.2% | $166000 | — | $120M |
| Mar '26 | — | $2M | — | — | 1.4% | 0.1% | $1M | — | $138M |
| Dec '25 | — | $2M | — | — | 2.1% | 0.2% | $2M | — | $138M |
| Sep '25 | — | $2M | — | — | 1.6% | 0.2% | $4M | — | $101M |
| Jun '25 | — | $2M | — | — | 1.9% | 0.2% | -$518000 | — | $103M |
| Mar '25 | — | $1M | — | — | 1.1% | 0.1% | $2M | — | $131M |
| Dec '24 | — | $2M | — | — | 1.9% | 0.2% | $127000 | — | $44M |
| Sep '24 | — | $1M | — | — | 1.1% | 0.1% | $3M | — | $149M |
| Jun '24 | — | $795000 | — | — | 0.8% | 0.1% | -$2M | — | $135M |
| Mar '24 | — | $770000 | — | — | 0.8% | 0.1% | $2M | — | $138M |
| Dec '23 | — | $1M | — | — | 1.2% | 0.1% | $2M | — | $50M |
| Sep '23 | — | $1M | — | — | 1.2% | 0.1% | $3M | — | $102M |
| Jun '23 | — | $3M | — | — | 2.9% | 0.3% | -$288000 | — | $100M |
| Mar '23 | — | $2M | — | — | 2.2% | 0.2% | $2M | — | $82M |
| Dec '22 | — | $3M | — | — | 3.0% | 0.3% | $4M | — | $58M |
| Sep '22 | — | $3M | — | — | 2.7% | 0.3% | -$116000 | — | $76M |
| Jun '22 | — | $2M | — | — | 1.7% | 0.2% | $3M | — | $80M |
| Mar '22 | — | $2M | — | — | 1.8% | 0.2% | $3M | — | $197M |
| Dec '21 | — | $2M | — | — | 2.0% | 0.2% | $7M | — | $184M |
| Sep '21 | — | $3M | — | — | 2.8% | 0.3% | -$2M | — | $207M |
Valuation over time
How the market has priced SFBC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 10.9× (Mar '23) to 16.9× (Sep '26).
- The dividend yield has fallen from 2.1% (Mar '23) to 1.6% (Sep '26).
P/E
Dividend yield %
Frequently asked questions
Is SFBC growing its revenue and profit?
See the revenue and net-income charts above for Sound Financial Bancorp, Inc.'s multi-year trend.
How much debt does SFBC have?
As of FY2025, Sound Financial Bancorp, Inc. reported — of total debt against $138M of cash.
What is SFBC's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is SFBC's P/E ratio?
As of Sep '26, Sound Financial Bancorp, Inc. traded at a price-to-earnings ratio of about 16.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.