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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
$107.83M
本益比 (TTM)
15.0
13.9
股息率
1.9%
52周最高
$51.99
52周最低
$42.02
52周範圍
0%
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

$0.00+0.00%
近4季度走勢

2025 Q3 財報亮點

核心亮點

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%.

關注風險

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.

未來展望

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
$91.15M
+12.0%

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
70.9%
+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
RBKB$178.89M17.37.7%2.3%
EBMT$171.05M11.38.1%3.9%
FGBI$139.30M-2.4-23.3%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
50%
現金流需要關注

深度研究

下次財報:2026年4月27日
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