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Sound Financial Bancorp Inc

Sound Financial Bancorp Inc

SFBC · NASDAQ · Financial Services / Banks - Regional

45.95USD+0.45 (+0.99%)

Price History

Full chart

Market Stats

Previous Close45.50
Open45.49
Day Range45.49 – 46.71
52-Week Range40.30 – 48.99
Volume1.65K
Market Cap119.05M
P/E (TTM)13.64
Forward P/E0.00
EPS3.40
Dividend Yield1.97%
Beta0.00
50-Day Avg46.83
200-Day Avg44.20

About

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 provides 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, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Laura Lee Stewart
  • Employees92
  • Headquarters2400 3rd Avenue, Seattle, WA, United States, 98121, USA
  • Websitehttps://www.soundcb.com

Leadership

  • Ms. Laura Lee StewartCEO & Director · b. 1949
  • Mr. Wesley OchsPresident, Chief Strategy Officer & CFO · b. 1979
  • Ms. Heidi J. SextonExecutive VP, Corporate Secretary & COO · b. 1976
  • Ms. Jennifer L. MallonSenior VP, Deputy CFO & Chief Accounting Officer · b. 1984
  • Ms. Patricia L. FloydSenior Vice President and Senior Vice President of Human Resources - Sound Community Bank · b. 1945
  • Mr. David A. RaneyExecutive VP & Chief Banking Officer

Financials

Income Statement

Currency: USD2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue17.06M19.42M22.77M23.34M19.80M22.21M23.50M25.52M27.41M30.16M31.20M37.37M38.57M42.38M41.22M44.38M55.60M62.06M61.62M
Growth (%)-+13.81%+17.27%+2.48%-15.17%+12.20%+5.80%+8.59%+7.39%+10.06%+3.44%+19.77%+3.22%+9.86%-2.73%+7.66%+25.29%+11.61%-0.71%
Cost of Revenue17.06M19.42M22.77M8.94M7.38M6.88M3.66M3.22M3.15M3.37M3.87M5.88M7.49M8.38M4.38M5.66M16.49M26.25M22.76M
Gross Profit---14.40M12.42M15.33M19.84M22.30M24.25M26.79M27.33M31.48M31.08M34.00M36.84M38.72M39.12M35.69M38.86M
Gross Margin---61.70%62.72%69.00%84.42%87.37%88.50%88.82%87.60%84.25%80.58%80.24%89.38%87.25%70.35%57.51%63.07%
Operating Expense---12.52M10.22M11.46M14.09M15.72M17.17M18.71M19.14M22.74M22.75M22.67M25.41M27.84M30.12M30.04M30.19M
Operating Income370.17K591.80K-741.55K1.88M2.20M3.87M5.75M6.58M7.08M8.07M8.19M8.74M8.33M11.33M11.43M10.88M9.00M5.65M8.67M
Operating Margin2.17%3.05%-3.26%8.04%11.11%17.43%24.49%25.78%25.83%26.77%26.26%23.40%21.60%26.73%27.73%24.51%16.19%9.10%14.07%
EBITDA381.12K591.80K-144.35K3.26M3.45M5.33M7.22M7.92M7.70M8.87M9.14M9.73M9.85M13.15M13.02M12.47M10.65M7.22M10.18M
EBITDA Margin2.23%3.05%-0.63%13.96%17.44%23.99%30.74%31.04%28.09%29.40%29.28%26.05%25.54%31.04%31.58%28.11%19.16%11.64%16.52%
Net Income319.14K261.57K-613.80K1.33M1.55M2.64M3.94M4.24M4.79M5.38M5.13M7.04M6.68M8.94M9.16M8.80M7.44M4.64M7.16M
Net Income Margin1.87%1.35%-2.70%5.70%7.83%11.88%16.76%16.61%17.48%17.83%16.43%18.84%17.32%21.09%22.21%19.84%13.38%7.48%11.62%
R&D-----0000000-------
R&D as % of Total Revenue-----0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense1.35M1.27M934.08K4.29M2.78M2.36M2.31M2.42M2.75M2.92M3.37M5.36M7.62M7.45M3.95M4.50M16.76M26.37M22.63M
Interest Expense % of Total Revenue7.89%6.56%4.10%18.37%14.05%10.62%9.84%9.49%10.04%9.68%10.80%14.34%19.75%17.58%9.59%10.14%30.14%42.49%36.72%

Balance Sheet

Currency: USD2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets236.97M293.50M337.81M334.64M339.74M381.04M442.61M495.19M540.76M588.38M645.24M716.74M719.85M861.40M919.69M976.35M995.22M993.63M1.09B
Total Liabilities221.08M267.39M312.74M307.74M311.03M337.59M396.11M444.55M486.24M528.11M580.08M645.11M642.13M775.92M826.33M878.65M894.57M889.97M982.77M
Total Equity15.89M26.10M25.07M26.90M28.71M43.46M46.51M50.65M54.52M60.27M65.16M71.63M77.73M85.48M93.36M97.70M100.65M103.67M109.40M
Cash---9.09M17.03M12.73M15.33M29.29M48.26M54.58M60.68M61.81M55.77M193.83M183.59M57.84M49.69M43.64M138.45M
Total Debt15.87M42.22M20.00M24.85M8.51M21.86M43.22M30.58M40.44M54.79M59.00M84.00M15.51M18.73M17.88M60.12M56.54M40.77M21.47M
Net Debt15.87M42.22M20.00M15.76M-8.53M9.14M27.89M1.29M-7.83M210.00K-1.68M22.19M-40.26M-175.10M-165.71M2.29M6.85M-2.87M-116.98M

Cash Flow

Currency: USD2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.79M812.33K177.27K6.78M7.23M10.21M7.77M6.80M3.75M7.15M6.82M10.32M11.06M-484.00K19.07M10.05M6.89M2.93M7.16M
Investing Cash Flow-18.99M-58.45M-577.20K-9.14M-4.61M-51.77M-61.52M-38.90M-25.63M-42.90M-36.11M-71.50M-5.79M4.50M-77.94M-185.57M-26.32M-3.94M-2.50M
Financing Cash Flow15.66M57.14M10.47M-4.23M5.31M37.26M56.36M46.05M40.85M42.07M35.39M62.30M-11.32M134.05M48.63M49.77M11.29M-5.04M90.15M
Capital Expenditure406.20K12.32M2.47M252.00K187.00K265.00K343.00K3.97M1.11M1.01M2.47M641.00K654.00K407.00K225.00K398.00K444.00K76.00K170.00K
Free Cash Flow3.38M-11.51M-2.29M6.53M7.04M9.94M7.42M2.83M2.64M6.14M4.35M9.68M10.41M-891.00K18.85M9.66M6.44M2.86M6.99M
Dividends Paid-159.19K159.19K26.00K-0388.00K504.00K574.00K745.00K1.50M1.37M1.43M2.07M2.04M2.03M1.91M1.95M1.95M
FCF to OCF89.27%-1416.37%-1293.68%96.28%97.41%97.40%95.58%41.61%70.35%85.91%63.75%93.79%94.09%184.09%98.82%96.04%93.55%97.41%97.63%
Dividend Paid to FCF--1.38%-6.94%0.40%-0.00%5.23%17.80%21.75%12.13%34.60%14.12%13.78%-232.55%10.82%21.03%29.70%68.21%27.85%

Earnings

Report DateMar 31, 2008Jun 30, 2008Nov 6, 2008Feb 25, 2009May 6, 2009Aug 6, 2009Nov 6, 2009Feb 10, 2010May 6, 2010Aug 5, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017May 4, 2017Aug 3, 2017Nov 3, 2017Jan 25, 2018May 3, 2018Jul 26, 2018Nov 9, 2018Jan 25, 2019Apr 26, 2019Jul 26, 2019Nov 8, 2019Jan 28, 2020Apr 27, 2020Jul 24, 2020Oct 28, 2020Jan 28, 2021Apr 23, 2021Jul 28, 2021Oct 26, 2021Jan 29, 2022Apr 26, 2022Jul 27, 2022Oct 25, 2022Jan 27, 2023Apr 24, 2023Jul 25, 2023Oct 24, 2023Jan 26, 2024Apr 29, 2024Jul 29, 2024Oct 24, 2024Jan 29, 2025Apr 29, 2025Jul 28, 2025Oct 29, 2025Jan 29, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate---------------------------------------------------------------------------
EPS Actual0.010.030.09-0.020.03-0.120.03-0.180.020.110.190.170.150.070.160.210.220.230.340.300.430.370.400.370.460.460.330.450.480.440.480.430.490.570.610.540.540.500.480.580.630.790.710.640.560.710.600.720.380.820.901.350.940.870.980.700.650.620.981.120.830.980.450.470.300.310.450.740.450.790.660.870.610.98-
Surprise---------------------------------------------------------------------------
Timing--------------------------------------------------------After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hours

Key Statistics & Ratios

Market Cap119.05M
Enterprise Value9.47M
Trailing P/E13.64
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.96
Price / Book1.08
EPS3.40
Book Value44.00
Revenue (TTM)40.26M
Gross Profit (TTM)40.26M
Profit Margin19.94%
Operating Margin29.01%
Return on Equity7.35%
Return on Assets0.76%
Shares Outstanding2.57M
Shares Float1.74M
Beta0.00
Dividend Yield1.97%
Dividend Rate0.84
Payout Ratio26.31%

Ownership Breakdown

Institutions
45.69%
Insiders
15.89%
Retail / Other
38.42%

Top Institutional Holders

  • Stilwell Value LLC
    410.02K17.22%
  • AllianceBernstein L.P.
    179.87K7.55%
  • GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
    113.26K4.76%
  • Vanguard Capital Management, LLC
    103.16K4.33%
  • BlackRock Inc
    101.30K4.25%
  • Kennedy Capital Management Inc
    51.74K2.17%
  • Geode Capital Management, LLC
    43.27K1.82%
  • Pacific Sage Partners LLC
    36.19K1.52%
  • Oppenheimer & Close Inc
    32.65K1.37%
  • State Street Corp
    21.86K0.92%
  • Dimensional Fund Advisors, Inc.
    19.97K0.84%
  • Millennium Management LLC
    19.53K0.82%
  • Northern Trust Corp
    17.21K0.72%
  • Financial Insights Inc
    14.90K0.63%
  • The Goldman Sachs Group Inc
    14.03K0.59%
  • Vanguard Portfolio Management, LLC
    12.40K0.52%
  • Vanguard Fiduciary Trust Co
    11.27K0.47%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    72.20K2.81%
  • Fidelity Extended Market Index
    9.62K0.37%
  • BSF Systematic US Eq Abs Ret A2 USD
    9.22K0.36%

Dividends

20264×
0.21Nov 6, 20260.21Aug 7, 20260.21May 11, 20260.21Feb 9, 2026
20254×
0.19Nov 7, 20250.19Aug 11, 20250.19May 9, 20250.19Feb 12, 2025
20244×
0.19Nov 12, 20240.19Aug 9, 20240.19May 7, 20240.19Feb 6, 2024
20234×
0.19Nov 7, 20230.19Aug 8, 20230.19May 9, 20230.17Feb 8, 2023
20224×
0.17Nov 8, 20220.17Aug 8, 20220.17May 9, 20220.17Feb 9, 2022
20214×
0.17Nov 9, 20210.17Aug 9, 20210.17May 7, 20210.17Feb 9, 2021

Stock Splits

  • Aug 23, 2012709:811