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Sound Financial Bancorp, Inc.

SFBC

$47.07 ▲ +0.57 (+1.23%) at close

16 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Sound Financial Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $120.3M

Dividend Yield 1.61%

Revenue Growth 9.1% ↗

Op. Margin 22.3% ↗

ROIC None

FCF / Share None

Trailing P/E 16.9x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$38.89M

↑ +9.1% —

Net Income Profit after all expenses

$7.16M

↑ +54.3% —

Operating Margin Operating profit as % of sales

22.3%

↑ +40.8% 78th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.76 Latest / share

+0.0% YoY

+12.9% 12-yr CAGR

$0.20

FY 2014

$0.23

FY 2015

$0.30

FY 2016

$0.60

FY 2017

$0.54

FY 2018

$0.56

FY 2019

$0.80

FY 2020

$0.78

FY 2021

$0.78

FY 2022

$0.74

FY 2023

$0.76

FY 2024

$0.76

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue Growth YoY (%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	-8.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-237%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	6.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	12.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+112%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	14.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+148%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	7.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	13.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+122%)	—	—
EPS Growth YoY (%)	54.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-37.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-15.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	37.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	11.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	50.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	68.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	54.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-37.6% Weak ↓ Weak Declining Year-over-year change in net income	-15.5% Weak ↓ Weak Declining Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	2.5% Caution ↓ Caution Declining Year-over-year change in net income	33.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.1% Weak ↓ Weak Declining Year-over-year change in net income	37.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	12.3% Fair ↓ Fair Declining Year-over-year change in net income	13.0% Fair ↓ Fair Declining Year-over-year change in net income	7.6% Fair ↓ Fair Declining Year-over-year change in net income	49.2% Excellent Excellent Year-over-year change in net income	70.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.0% Fair → Fair Stable Compound annual revenue growth over 3 years	6.3% Fair Fair Compound annual revenue growth over 3 years	8.3% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.1% Fair Fair Compound annual revenue growth over 5 years	8.3% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-6.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-19.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.7% Good → Good Stable Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	12.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	23.9% Excellent Excellent Compound annual EPS growth over 3 years	41.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Operating Margin (%) (%)	22.3% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	15.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	23.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	27.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	30.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	32.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	13.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	19.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	22.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	25.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	12.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	8.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	8.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	6.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	0.74x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue per Share (USD)	$15.21	$14.02	$15.17	$15.47	$14.42	$13.63	$12.26	$12.85	$11.16	$10.96	$10.02	$9.27	$8.65	$8.03	$7.10	—
Basic EPS, GAAP (USD)	$2.79	$1.81	$2.88	$3.39	$3.52	$3.46	$2.63	$2.82	$2.05	$2.16	$1.92	$1.69	$1.52	$1.01	$0.60	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.76	$0.76	$0.74	$0.78	$0.78	$0.80	$0.56	$0.54	$0.60	$0.30	$0.23	$0.20	$0.15	—	—	—
Book Value per Share (USD)	$42.60	$40.42	$39.48	$37.82	$35.72	$32.97	$30.27	$28.15	$25.95	$24.12	$22.08	$20.06	$18.52	$16.79	$9.70	—
Tangible Book Value per Share (USD)	$42.30	$40.11	$39.18	$37.82	$35.72	$32.97	$30.27	$28.15	$25.95	$24.12	$22.08	$20.06	$18.52	$16.79	$9.70	—
Basic Weighted Avg Shares (shares)	2.56M	2.54M	2.56M	2.58M	2.58M	2.56M	2.53M	2.50M	2.50M	2.49M	2.49M	2.51M	2.57M	2.59M	2.58M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	$40.44M	—	—	—	—	—
Total Equity (USD)	$109.40M	$103.67M	$100.65M	$97.70M	$93.36M	$85.48M	$77.73M	$71.63M	$65.16M	$60.27M	$54.52M	$50.64M	$46.50M	$43.46M	$28.71M	$26.90M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$38.89M	$35.66M	$38.86M	$39.88M	$37.25M	$34.93M	$30.99M	$32.09M	$27.94M	$27.25M	$24.96M	$23.30M	$22.23M	$20.77M	$18.33M	—
Net Income, GAAP (USD)	$7.16M	$4.64M	$7.44M	$8.80M	$9.16M	$8.94M	$6.68M	$7.04M	$5.12M	$5.38M	$4.79M	$4.24M	$3.94M	$2.64M	$1.55M	—
Operating Cash Flow (USD)	$7.16M	$2.93M	$6.89M	$10.05M	$19.07M	$-484.00K	$11.06M	$10.32M	$6.82M	$7.15M	—	—	$7.77M	$10.21M	$7.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.1%	3.4%	3.6%	3.3%	3.2%	3.7%	3.9%	3.7%	3.8%	3.6%	3.8%	3.9%	4.2%	4.6%	—
Efficiency Ratio (%) (%)	77.4%	84.5%	77.5%	69.8%	68.2%	64.9%	73.5%	71.1%	68.9%	68.7%	70.0%	68.3%	68.0%	59.6%	62.9%	—

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Synced 1 week ago 16 years · 60 quarters

Sound Financial Bancorp, Inc.

Analytical Summary

16-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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