SOUND FINANCIAL BANCORP INC

SFBCNASDAQ

🏆 #4005 by market capUS Equity

$45.76▼ $1.63 (−3.57%)

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24h▼ 3.6%

7d▼ 3.6%

14d▼ 3.6%

30d▼ 3.2%

ytd▲ 4.6%

1y▲ 0.5%

🏦Market Cap

$118M

Small Cap

📈Revenue Growth (YoY)

+35.1%

High Growth

📊Gross Margin

—

💵FCF Margin

13.6%

Healthy

⚖️P/S Ratio

2.3x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $45.35 – $46.21
52-Week Range: $40.68 – $49.21
Volume: $3.84B
Avg Volume: $2.60B
Shares Outstanding: 2.6M
Next Earnings: Oct 24, 2026

Fundamentals Snapshot

Annual Revenue: $62M
Last Q Revenue: $16M
P/E Ratio: 15.7
P/S Ratio: 2.3x
EPS (TTM): $2.94
Dividend Yield: 1.68%
Dilution (1yr): +0.2%

Why Investors Own SFBC

✓High-growth profile — revenue up -0.7% YoY with expanding US Equity exposure.
✓Healthy economics — 28% gross margin and 29% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

SOUND FINANCIAL BANCORP INC

SFBC

Financial Trends

Revenue

$62M▼ −0.7% YoY

Gross Margin

63.1%▲ +9.7% YoY

Operating Income

$9M▲ +53.6% YoY

Free Cash Flow

$7M▲ +144.8% YoY

Shares Outstanding

2.6M▲ +0.2% YoY

Net Cash

$117M▲ +$114M YoY

StockOtter · stockotter.space

About SOUND FINANCIAL BANCORP INC

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.

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