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Sound Financial Bancorp, Inc.

NASDAQ•SFBC
CEO: Ms. Laura Lee Stewart
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
2400 3rd Avenue, Suite 150, Seattle, WA, 98121, United States
206-448-0884
www.soundcb.com
時価総額
$107.92M
PER (TTM)
16.1
15.5
配当利回り
1.7%
52週高値
$51.99
52週安値
$40.68
52週レンジ
40%
順位46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$15.27M-4.06%
直近4四半期の推移

EPS

$0.88+17.33%
直近4四半期の推移

フリーCF

$1.91M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

FGBI stock ticker logoFGBI
$220.51M
-9.9%
EBMT stock ticker logoEBMT
$125.98M
+4.6%
SBFG stock ticker logoSBFG
$91.03M
+11.9%

粗利益率 (最新四半期)

EBMT stock ticker logoEBMT
74.8%
+6.8pp
RVSB stock ticker logoRVSB
71.6%
+2.7pp
SBFG stock ticker logoSBFG
70.6%
+3.1pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
EBMT$175.00M11.68.1%3.9%
RBKB$174.24M16.97.7%2.3%
FGBI$153.67M-2.7-23.3%4.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.0%
緩やかな成長
4四半期純利益CAGR
24.4%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月27日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし