Sound Financial Bancorp, Inc.

NASDAQ•SFBC

CEO: Ms. Laura Lee Stewart

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2008-01-09

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 market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. The company was founded in 1953 and is headquartered in Seattle, Washington.

Contact Information

2400 3rd Avenue, Suite 150, Seattle, WA, 98121, United States

206-448-0884

www.soundcb.com

Market Cap

$107.92M

P/E (TTM)

16.1

15.5

Dividend Yield

1.7%

52W High

$51.99

52W Low

$40.68

52W Range

40%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$15.27M-4.06%

4-Quarter Trend

EPS

$0.88+17.33%

4-Quarter Trend

FCF

$1.91M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises Significantly Net income grew 54.3% to $7.2M, driven by strong NII growth and improved asset quality metrics year-over-year.

Net Interest Margin Expansion NIM expanded 45 basis points to 3.45% due to higher loan yields offsetting increased deposit costs during 2025.

Loan Portfolio Composition Shift Total loans grew slightly to $907.6M; Commercial/Multifamily loans increased 10.3% while one-to-four family loans declined 5.9%.

Asset Quality Shows Improvement Nonperforming assets decreased 18.2% to $6.1M, resulting in an improved NPA ratio of 0.56% compared to 0.75% last year.

Risk Factors

Credit Risk Concentration Concerns Commercial real estate loans represent 45.1% of the portfolio, exceeding the 300% CBLR threshold, requiring heightened risk management focus.

Interest Rate Sensitivity Exposure The portfolio remains liability sensitive; rapid interest rate shifts could compress NIM or negatively affect EVE projections significantly.

Deposit Cost Management Pressure Total deposits grew 13.3% to $948.9M, but managing the cost of funding, especially money market accounts, remains critical.

Cybersecurity and Technology Reliance High reliance on IT infrastructure and third-party vendors exposes the bank to significant operational disruption from cyber threats.

Outlook

Focus on Core Deposit Growth Strategy emphasizes total relationship banking to fund loan growth, aiming to reduce reliance on potentially more volatile wholesale funding sources.

Adapting to Economic Uncertainty Management monitors inflation, unemployment, and housing price trends closely, adjusting ACL assumptions based on evolving macroeconomic forecasts.

Continued Loan Portfolio Diversification Intent to prudently maintain higher-yielding commercial loans while selectively adding consumer products to diversify revenue streams.

Maintaining Strong Capital Position Bank aims to maintain 'well-capitalized' status (CBLR 10.91% in 2025) despite potential regulatory capital impacts from CECL adoption.

Peer Comparison

Revenue (TTM)

FGBI

$220.51M

-9.9%

EBMT

$125.98M

+4.6%

SBFG

$91.03M

+11.9%

Gross Margin (Latest Quarter)

EBMT

74.8%

+6.8pp

RVSB

71.6%

+2.7pp

SBFG

70.6%

+3.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
EBMT	$175.00M	11.6	8.1%	3.9%
RBKB	$174.24M	16.9	7.7%	2.3%
FGBI	$153.67M	-2.7	-23.3%	4.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.0%

Moderate Growth

4Q Net Income CAGR

24.4%

Profitability Improved

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data