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Sound Financial Bancorp, Inc.

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
$113.68M
PER (TTM)
15.8
15
配当利回り
1.8%
52週高値
$52.13
52週安値
$42.75
52週レンジ
17%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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%.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Eagle Bancorp Montana, Inc.EBMT
$125.98M
+4.6%
SB Financial Group, Inc.SBFG
$91.03M
+11.9%

粗利益率 (最新四半期)

Eagle Bancorp Montana, Inc.EBMT
74.8%
+6.8pp
Riverview Bancorp, Inc.RVSB
71.6%
+2.7pp
Provident Financial Holdings, Inc.PROV
67.3%
+6.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
EBMT$179.24M11.98.1%3.9%
RBKB$172.42M16.77.7%2.3%
PNBK$147.58M-5.4-35.9%1.7%

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
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月27日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月12日|
    売上高: $15.53M-3.4%
    |
    EPS: $0.66+46.7%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月12日|
    売上高: $16.03M+5.3%
    |
    EPS: $0.80+158.1%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月13日|
    売上高: $14.80M-0.3%
    |
    EPS: $0.45+50.0%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月18日|
    売上高: $62.06M+11.6%
    |
    EPS: $1.81-37.4%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月13日|
    売上高: $16.07M+16.8%
    |
    EPS: $0.45+0.0%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月13日|
    売上高: $15.22M+5.9%
    |
    EPS: $0.31-72.3%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月14日|
    売上高: $14.85M+13.7%
    |
    EPS: $0.30-64.3%
    不明

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月22日|
    売上高: $55.60M+25.3%
    |
    EPS: $2.89-15.2%
    不明