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Sound Financial Bancorp, Inc.

NASDAQ•SFBC
執行長: Ms. Laura Lee Stewart
板塊: Financial Services
行業: 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.
聯絡資訊
2400 3rd Avenue, Suite 150, Seattle, WA, 98121, United States
206-448-0884
www.soundcb.com
市值
$110.35M
本益比 (TTM)
16.5
15.5
股息率
1.7%
52周最高
$51.99
52周最低
$40.68
52周範圍
49%
排名46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 3.5 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$15.27M-4.06%
近4季度走勢

每股收益

$0.88+17.33%
近4季度走勢

自由現金流

$1.91M+0.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
EBMT$174.76M11.58.1%3.9%
RBKB$171.56M16.67.7%2.3%
FGBI$150.83M-2.6-23.3%4.6%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
1.0%
溫和增長
4季度淨利複合增長率
24.4%
盈利能力大幅提升
現金流穩定性
75%
現金流波動較大

深度研究

下次財報:2026年4月27日
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