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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
2400 3rd Avenue, Suite 150, Seattle, WA, 98121, United States
206-448-0884
www.soundcb.com
市值
$107.92M
市盈率 (TTM)
16.1
15.5
股息率
1.7%
52周最高
$51.99
52周最低
$40.68
52周范围
40%
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

$1.91M+0.00%
近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (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%

毛利率 (最新季度)

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

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
EBMT$175.00M11.68.1%3.9%
RBKB$174.24M16.97.7%2.3%
FGBI$153.67M-2.7-23.3%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
75%
现金流波动较大

深度研究

下次财报:2026年4月27日
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营业收入:-
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