Sound Financial Bancorp, Inc.
NASDAQ•SFBC
CEO: Ms. Laura Lee Stewart
板块: Financial Services
行业: Banks - Regional
上市日期: 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.
联系方式
市值
$107.83M
市盈率 (TTM)
15.0
13.9
股息率
1.9%
52周最高
$51.99
52周最低
$42.02
52周范围
排名46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 3.5 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$15.27M-4.06%
近4季度走势
每股收益
$0.88+17.33%
近4季度走势
自由现金流
$0.00+0.00%
近4季度走势
2025 Q3 财报亮点
核心亮点
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%.
关注风险
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.
前瞻展望
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.
同行对比
营业收入 (TTM)
$220.51M
$125.98M
$91.15M
毛利率 (最新季度)
74.8%
71.6%
70.9%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| RBKB | $178.89M | 17.3 | 7.7% | 2.3% |
| EBMT | $171.05M | 11.3 | 8.1% | 3.9% |
| FGBI | $139.30M | -2.4 | -23.3% | 4.6% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
1.0%
温和增长
4季度净利润复合增长率
24.4%
盈利能力强劲提升
现金流稳定性
50%
现金流需要关注
深度研究
下次财报:2026年4月27日
每股收益:-
|营业收入:-
财务数据
电话会议
财务报告
新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
|---|
无数据