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

$108.80M

P/E (TTM)

15.1

14.1

Dividend Yield

1.8%

52W High

$51.99

52W Low

$42.40

52W Range

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

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

YTD Net Income Surge Net income reached $4.91M YTD, marking an 80.7% increase compared to the prior year period, driven by strong NII performance.

NII and NIM Expansion Q3 Net Interest Income grew 13.6% to $8.94M. NIM expanded 50 basis points to 3.48% due to significantly lower funding costs.

Asset Quality Improvement Nonperforming Assets fell 59.1% to $3.06M. The NPA ratio improved significantly to 0.30% of total loans outstanding as of September 30, 2025.

Loan Portfolio Growth Net loans held-for-portfolio grew 1.1% to $901.15M. Commercial and Multifamily loans were the primary driver, increasing 10.0%.

Risk Factors

Interest Rate Environment Impact Lower market rates compressed cash and equivalent yields to 4.22% in Q3 2025, down from 5.27% in Q3 2024, impacting non-loan income.

MSR Valuation Volatility Mortgage Servicing Rights fair value adjustment showed a $372K quarterly decline due to smaller servicing portfolio and input assumptions.

Loan Mix Composition Shift Construction and land loans declined sharply by 27.8% due to project completions and a slowdown in new financing amid higher rates.

Uninsured Deposit Exposure Uninsured deposits totaled $168.6M, representing 18.8% of total deposits as of September 30, 2025, requiring careful liquidity management.

Outlook

NIM Support from Funding Costs Lower interest rate environment reduced funding costs, positively impacting net interest margin outlook, supporting continued profitability.

Forward-Looking Credit Estimates ACL measured using CECL approach requires forward-looking estimates sensitive to economic uncertainty and potential changes in credit quality.

Strong Capital Adequacy Company CBLR of 10.14% comfortably exceeds the 9% minimum regulatory requirement for well-capitalized status.

Subordinated Debt Reduction $4.0M of subordinated notes were redeemed post-period end on October 1, 2025, reducing future interest obligations.

Peer Comparison

Revenue (TTM)

FGBI

$220.51M

-9.9%

EBMT

$125.98M

+4.6%

SBFG

$91.15M

+12.0%

Gross Margin (Latest Quarter)

EBMT

74.8%

+6.8pp

RVSB

71.6%

+2.7pp

SBFG

70.9%

+3.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RBKB	$177.22M	17.2	7.7%	2.3%
EBMT	$172.88M	11.4	8.1%	3.9%
PNBK	$142.20M	-5.2	-35.9%	1.7%

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

50%

Cash Flow Needs Attention

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