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Financial Services

Sound Financial Bancorp, Inc.(SFBC)

Live Price

Offline

$43.83

+3.18% today

1Y Change

-5.07%

Window

Jun 23, 2025 โ†’ Jun 18, 2026

Market Cap
$110.00M
Revenue Growth
-0.7%
EPS Growth
+54.7%
Dividend Yield
1.9%

Coverage: 249 bars ยท Jun 23, 2025 โ†’ Jun 18, 2026

Research Briefing

A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.

Decision context

Research Snapshot

Sound Financial Bancorp, Inc. (SFBC) is a Financial Services stock with a market cap of $110.00M and listed on NASDAQ. The stock last traded around $43.83 and down 5.1% across the available one-year price window (Jun 23, 2025 โ†’ Jun 18, 2026). Baseline metrics include revenue growth of -0.7%, EPS growth of +54.7%, a dividend yield of 1.9%. What stands out right now is revenue -0.7%, EPS +54.7%, free cash flow +144.8% with operating margin 14.7% and ROIC 0.7%. The dividend is present but secondary, with a yield around 1.9%. Valuation is more restrained than many high-expectation growth names at P/E 14.0 and price/sales 1.7. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines SFBC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.

Benchmark Comparison

Normalized Performance vs SPY

Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.

1Y shared range

SFBC

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Normalized return

SPY

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S&P 500

Excess Return

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Relative to SPY

SFBC Max Drawdown

-15.62%

Trailing 1Y

SPY Max Drawdown

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Trailing 1Y

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Calendar-Year Returns

Uses the longest available daily history for SFBC and SPY.

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Financial profile

Sound Financial Bancorp, Inc. (SFBC)

Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.

FY Revenue

$41.2M

-7.1% YoY

FY Net Income

$9.2M

+4.0% YoY

Free Cash Flow

$18.8M

+95.2% YoY

Revenue Growth

-0.7%

EPS Growth

+54.7%

Gross Margin

63.3%

Net Margin

12.2%

Income statement

USD

Annual
Metric20252024202320222021
Revenue62M62M56M44M41M
Gross Profit39M36M39M39M37M
Operating Income9M6M9M11M11M
EBITDA9M7M11M12M13M
Net Income7M5M7M9M9M
EPS (Diluted)โ€”โ€”โ€”โ€”โ€”

Balance sheet

USD

Point-in-time
Metric20252024202320222021
Cash & Equivalents138M44M50M58M184M
Total Assets1.1B994M995M976M920M
Total Liabilities983M890M895M879M826M
Shareholder Equity109M104M101M98M93M
Total Debt25M41M57M60M18M
Net Debt-113M-3M7M2M-166M

Cash flow positioning

Latest Full Year

Operating Cash Flow

19M

+89.7% YoY

Capital Expenditures

225K

+43.5% YoY

Free Cash Flow

19M

+95.2% YoY

Key ratios

  • Gross Margin

    63.3%

  • Operating Margin

    14.7%

  • Net Margin

    12.2%

  • ROE

    7.0%

  • Debt / Equity

    0.19x

Next Step

Turn financials into a decision

Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.